Galaxy Health Insurance Premium Chart

Quick Overview

The Galaxy Health Insurance premium chart helps you understand how premiums change based on factors like age, sum insured, location, and plan type. The company provides downloadable charts for each plan for easy reference.

The charts give a clear starting point to compare different coverage options before making a decision. These premium rates are filed with and approved by IRDAI as part of the product approval process, ensuring transparency and standardized pricing across insurers. However, your final premium may vary depending on your medical history, add-ons, and underwriting.

Health insurance premiums can be confusing, especially when you’re evaluating a new insurer like Galaxy, which started operations in March 2024.

To compete with established insurers, Galaxy’s plans are priced competitively and look attractive on paper. However, claims experience and service quality will become clearer over time. In the meantime, the premium chart can help you understand how the insurer prices its plans and what you’re likely to pay.

In this article, we discuss the Galaxy Health Insurance premium chart PDF, what it shows, how to calculate your premium, and the factors affecting it.

What the Galaxy Health Insurance Premium Chart Shows?

Here’s a sample premium from the Galaxy Marvel (Neo variant) policy and what it tells you.

Individual Premium Chart

Family Floater Premium Chart

Age Brackets: The chart shows pricing across age bands. For example, the premium for a 55-year-old buying the same plan can be four times higher than that for a 25-year-old.

Zone-Based Pricing: Galaxy uses a three-zone structure that affects your payment based on your place of residence.

Zones	Districts
Zone A	Gujarat, Haryana, Rajasthan, Punjab, Chandigarh, NCR of Delhi, Mumbai, Thane, Ghaziabad, and Noida.
Zone B	Hyderabad, including K V Ranga Reddy and Medchal Malkajgiri, Secunderabad, Patna, Goa, Himachal Pradesh, Bengaluru, Thiruvananthapuram, Ernakulam, Bhopal, Indore, Pune, Nashik, and Chennai
Zone C	Rest of India

Individual vs Family Floater Premiums: The chart also shows pricing for individual plans and family floater options (2 adults, or 2 adults + 1 child), helping you compare costs across different family structures.

How to Calculate Galaxy Health Insurance Premium?

You can estimate your premium in two ways: by referring to the premium chart PDF for base pricing, or by requesting a personalized quote from the insurer. Here’s how both methods work.

Galaxy Health Insurance Premium Chart PDF Download

1) Visit the official website and check the product options.

2) Select the policy you want to explore.

3) Navigate to the premium chart tab on the product page.

4) Scroll down and find a downloadable PDF for the plan.

Notes

There's no standalone premium calculator tool on the Galaxy website. If you fill in your basic details, their health advisors will reach out to give you a personalized quote.
Always download the Galaxy health insurance premium chart PDFs from the company's official website, as information on third-party websites may be outdated or inaccurate.

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Popular Galaxy Health Insurance Plans With Their Premium Charts

You can also refer to the product prospectus, which includes premium charts for different profiles along with detailed plan features.

For easier understanding, here's an illustrative comparison between two of Galaxy's popular plans, Galaxy Promise (Signature) and Galaxy Marvel (Neo), for healthy individuals residing in Delhi (110010).

Profiles	Galaxy Promise	Galaxy Marvel
Individual, Age 25	₹13,972	₹10,904
Family Floater (2A), Ages (31, 32)	₹25,634	₹17,226
Family Floater, (2A 1C), Ages (35, 34, 5)	₹31,704	₹21,839
Family Floater (2A), Ages (62, 63)	₹87,797	₹81,933

Note: Add-ons included in Galaxy Marvel are consumables and an annual health checkup. Galaxy Promise (Signature) includes room rent enhancement. Premiums are illustrative and can vary based on channel discounts, add-ons, and underwriting.

Factors That Affect Galaxy Health Insurance Premium

Age: Premiums are dependent on age. Buying at a young age helps you start at a much lower rate, and some Galaxy plans, like Galaxy Promise, even offer a premium lock-in feature until age 55.
Sum Insured and Add-ons: A higher sum insured increases your premium, but the cost doesn’t rise proportionately with coverage. Add-ons like maternity or personal accident cover also increase the premium, so choose only those that add real value.
Discounts: Galaxy Insurance offers several discounts that can meaningfully reduce your premium. It currently offers a 10% discount on 2-year policies, a 12.5% discount on 3-year policies, a 5% discount on online purchases, and up to a 20% wellness discount.
Medical History and Underwriting: Pre-existing diseases like diabetes and hypertension can increase your premium through loading or lead to exclusions after underwriting. It’s important to disclose your medical history honestly, as non-disclosure can result in a claim being rejected later.

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Conclusion

The Galaxy health insurance premium chart can tell you how a plan is priced, but not whether it’s the right fit for you. With a newer insurer like Galaxy, understanding the structure behind the pricing becomes even more important than just looking at the numbers.

Instead of focusing only on the lowest premium, look at what you’re getting in return, including coverage, add-ons, and long-term protection.

So, check the latest charts, compare them with similar plans, and choose a policy that actually suits your requirements. As a starting point, you can refer to our guide on the best health insurance plans in India.

Disclosure: Galaxy Health Insurance is not a partner insurer of Ditto. Our assessment is independent and based only on publicly available information and the evaluation framework we apply to all insurers.

Frequently Asked Questions

Are premium charts the same every year?

No, insurers can revise them over time due to medical inflation, subject to IRDAI approval. It’s important to check the latest version before making a decision.

Is it better to buy a higher sum insured from the start?

Ideally, yes. We generally recommend a cover of ₹15 lakh to ₹25 lakh, taking into account medical inflation and bills. This also helps reduce the need to increase coverage later, as any increase is subject to medical underwriting and waiting periods for the incremental amount.

Does the Galaxy health insurance premium chart PDF include all plan details?

No, it mainly shows pricing. You’ll need to check the policy brochure or wording document for detailed coverage, exclusions, and conditions.

Can I use the Galaxy health insurance premium chart PDF to compare with other insurers?

Yes, it helps you compare base pricing, but comparisons should also include coverage, features, and claim experience.

Do premiums change if I switch cities after buying a policy?

Your renewal premium may change if you move to a different zone, especially from a lower-cost city (Zone B or C) to a metro (Zone A). This is because the cost of treatment in metros is comparatively higher than in smaller towns.

Last updated on: 23 Mar, 2026