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Galaxy Health · GHIHLIP25035V012425

Galaxy Promise - Premier Plan

Galaxy Health Galaxy Promise - Premier Plan (IRDAI UIN GHIHLIP25035V012425) is an individual and family floater health insurance plan with sum insured from 3 lakh to 25 lakh (8 options). Pre-existing diseases are covered after 3 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Galaxy Promise - Premier Plan is a health insurance plan from Galaxy Health. Key specifications: plan type Individual and family floater, room rent 1% of SI per day (max Rs 7,500 for SI Rs 5-10 lakh; max Rs 10,000 for SI Rs 15 lakh and above), pre-existing disease waiting 36 months.

Sample premium ₹7,722 a year*

*For: 1 adult (1A), age band 26-30, Sum Insured Rs 10,00,000, Premier Plan, Zone A; tax treatment not stated on the chart. Your premium will differ.

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Plan type
Individual and family floater
Room rent
1% of SI per day (max Rs 7,500 for SI Rs 5-10 lakh; max Rs 10,000 for SI Rs 15 lakh and above)
Pre-existing disease waiting
36 months
Sample annual premium
₹7,722

Pros

  • No co-payment on claims

Cons

  • Shorter pre-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (30 days)
  • Shorter post-hospitalisation cover than 85% of the 49 health insurance plans on Comparezi that state it (60 days)

Who should avoid it

  • Not ideal for Longer pre- and post-hospital cover · What matters most? (pick any) #43 of 53
  • Not ideal for High sum insured available · What matters most? (pick any) #41 of 53

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh
Highest sum insured 25 lakh
Entry age 16 days (individual / dependent children); 18 years (floater adults) to 65 years
Room rent 1% of SI per day (max Rs 7,500 for SI Rs 5-10 lakh; max Rs 10,000 for SI Rs 15 lakh and above)
Co-payment No Co-payment

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months
Specific illness waiting 24 months

Benefits

Pre-hospitalisation 30 days
Post-hospitalisation 60 days
Day-care treatment Yes
AYUSH treatment Yes
No-claim bonus Cumulative Bonus 25% of SI after first claim-free year, 10% for every subsequent claim-free year, maximum 100%
Maternity Not covered (delivery expenses only in Signature plan)
OPD Not covered

Premium

Sample annual premium ₹7,722
Sample premium is for 1 adult (1A), age band 26-30, Sum Insured Rs 10,00,000, Premier Plan, Zone A; tax treatment not stated on the chart

Insurer

IRDAI UIN GHIHLIP25035V012425

About the Galaxy Promise - Premier Plan

Galaxy Health Galaxy Promise - Premier Plan (IRDAI UIN GHIHLIP25035V012425) is an individual and family floater health insurance plan with sum insured from 3 lakh to 25 lakh (8 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from Galaxy Health.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Individual and family floater
  • Sum insured options: 3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh
  • Entry age: 16 days (individual / dependent children); 18 years (floater adults) to 65 years
  • Room rent: 1% of SI per day (max Rs 7,500 for SI Rs 5-10 lakh; max Rs 10,000 for SI Rs 15 lakh and above)
  • Co-payment: No Co-payment

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years
  • Specific illnesses: 2 years

Benefits

  • Pre-hospitalisation: 30 days
  • Post-hospitalisation: 60 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • No-claim bonus: Cumulative Bonus 25% of SI after first claim-free year, 10% for every subsequent claim-free year, maximum 100%
  • Maternity: Not covered (delivery expenses only in Signature plan)
  • OPD: Not covered

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, 42 have a longer one and 6 have the same.

Premium

It depends on your age, cover, city and options. Galaxy Health's own published premium table gives ₹7,722 a year for this profile: 1 adult (1A), age band 26-30, Sum Insured Rs 10,00,000, Premier Plan, Zone A; tax treatment not stated on the chart. Your premium will differ; get a quote from the insurer.

Similar plans from other insurers

Other health insurance plans from Galaxy Health

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Galaxy Promise - Premier Plan

All health insurance →

New India Assurance

Arogya Sanjeevani Policy

  • Individual and family floater Plan type
  • 2% of sum insured subject to maximum of Rs.5000/- per day Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹8,836 a year*

SBI General

Super Health - Elite

  • Individual and family floater Plan type
  • Actuals up to Sum Insured Room rent
  • 24 months Pre-existing disease waiting
Premium depends on your profile

Tata AIG

MediCare

  • Individual and family floater Plan type
  • No room rent sub-limit stated (In-patient Treatment up to Sum Insured; room category as per Policy Schedule) Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile
  • Individual and family floater Plan type
  • Standard Single Private Room; no capping on ICU accommodation Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Similar cover

Similar health insurance plans

  • Individual and family floater Plan type
  • SI Rs 5-20 lakh: up to Deluxe room; SI Rs 25 lakh and above: any room Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹11,573 a year*

Head to head

Compare the Galaxy Promise - Premier Plan

Questions

Galaxy Promise - Premier Plan FAQs

It depends on your age, cover, city and options. Galaxy Health's own published premium table gives ₹7,722 a year for this profile: 1 adult (1A), age band 26-30, Sum Insured Rs 10,00,000, Premier Plan, Zone A; tax treatment not stated on the chart. Your premium will differ; get a quote from the insurer.

GHIHLIP25035V012425. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

3 years, as stated by the insurer.

Room rent as stated by the insurer: 1% of SI per day (max Rs 7,500 for SI Rs 5-10 lakh; max Rs 10,000 for SI Rs 15 lakh and above).

Co-payment as stated by the insurer: No Co-payment.

Maternity as stated by the insurer: Not covered (delivery expenses only in Signature plan).

30 days before and 60 days after hospitalisation.

3 lakh, 4 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh.

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

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