Dailymirror.news,Chennai,March 7th,2025: Galaxy Health Insurance, India’s youngest standalone health insurer, has introduced Galaxy Top-up, an innovative and cost-effective solution to enhance health insurance coverage. This plan is designed to provide additional financial protection at an affordable cost, ensuring policyholders can access quality healthcare with ease.

A key highlight of Galaxy Top-up is its Premium Promise-a unique feature that guarantees no premium hikes until a policyholder files a claim or reaches 55 years of age, whichever comes first. This makes it India’s first top-up plan to offer such a benefit, available as an optional cover.

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Unlike conventional health plans, Galaxy Top-up offers a higher sum insured ranging from ₹5 Lakhs to ₹2 crores. The plan provides comprehensive coverage, including hospitalization, surgeries, and advanced treatments, with a minimal waiting period of just one year.

Industry-First Features of Galaxy Top-up:

Nanotechnology Coverage: First in the industry, covering up to 25% of the sum insured. This feature supports targeted drug delivery, cancer treatment, neurodegenerative disorders, and tissue regeneration for improved treatment outcomes.

Consumables Coverage: Covers 71 essential consumables, including admission, record, and insurance processing charges, reducing out-of-pocket expenses.

ICU & Digital ICU: Covers technologically advanced ICUs integrated with modern medical expertise for superior patient care.

Durable Medical Equipment/CAPD: Covers up to 10% of the sum insured or ₹1 Lakh (whichever is lower). Available as an optional cover.

Room Rent Enhancement: Allows policyholders to opt for any room type. Available as an optional cover.

Maternity Coverage: Includes coverage for normal and C-section deliveries, antenatal scans, and maternal health support.

Modern Treatment Coverage: Covers advanced medical procedures, including organ transplantation and bariatric surgery.

With medical inflation in India rising at 14% (as per the Health Report for Corporate India 2023), healthcare costs continue to impact millions. Galaxy Top-up acts as a financial shield, offering extensive coverage at an affordable price.

“Health insurance is no longer a luxury-it is a necessity as healthcare expenses continue to rise. Top-up plans like Galaxy Top-up offer a budget-friendly alternative with enhanced benefits, ensuring access to advanced medical care without financial burden,” said Mr. G. Srinivasan, MD & CEO of Galaxy Health Insurance.

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Since the launch of its flagship Galaxy Promise product, Galaxy Health Insurance has already covered over 10,000 lives and continues to expand its presence across Andhra Pradesh, Telangana, Karnataka, and Tamil Nadu, with its headquarters in Chennai.