New Delhi, Dec 15: Galaxy Health Insurance, India’s youngest standalone health insurer promoted by TVS Family Mr Venu Srinivasan and the family of industry veteran Mr V. Jagannathan, today announced the launch of Galaxy Twin 360, a first-of-its-kind engaging health insurance programme for young adults aged 18–45 years. The product comes with three plans: Core, Max & Ultra, which integrates comprehensive inpatient (IPD) protection, high-value outpatient (OPD) benefits and wellness services, addressing a key challenge in long-term health insurance adoption and retention.

Urban Indians spend an average of ₹15,000 to ₹20,000 annually on OPD services such as doctor consultations, pharmacy, and diagnostics. At the same time, a significant number of young adults lapse their policies after the first year, largely because hospitalisation events are rare and premiums are perceived as money spent without tangible return.

Galaxy Twin 360 addresses this behavioural gap by allowing policyholders to use OPD benefits equal to the premium paid, ensuring real value every year, regardless of hospitalisation. This approach is designed to boost policy renewal, long-term adoption, and overall healthcare engagement.

Mr. G. Srinivasan, MD & CEO, Galaxy Health Insurance, said, “Galaxy Twin 360 is built on a simple idea – health insurance should be useful every day, not only during hospitalisation. Young adults often discontinue health insurance because they do not see value when they do not make a claim. Galaxy Twin 360 changes that narrative. By combining IPD protection, OPD benefits, preventive wellness services and digital health tools, the plan ensures insurance is useful every day, making coverage relevant, practical, and financially efficient.”

Key features of Galaxy Twin 360

Eligibility & Coverage Structure

• Designed for adults aged 18–45 years and children 91 days–25 years.
• Available as Individual or Floater (up to 2 adults + 3 children)
• Guaranteed renewal beyond 45 years

OPD Benefits Equal to Premium Paid

• A first-of-its-kind structure where OPD entitlement matches the premium amount

Coverage includes:

• Unlimited teleconsultations
• In-clinic Doctor consultations and Prescribed diagnostics
• Prescribed pharmacy, dental, vision and vaccinations
• Physiotherapy, mental wellbeing, diet and nutrition
• Annual health check-ups

Wellness & Value-Added Services

• Free physical gym access via partner networks
• Online fitness and health sessions
• Vitals monitoring via facial scan
• Condition management programmes for declared PEDs

Comprehensive IPD Protection

• Fixed sum insured options ranging from Rs 7.5 Lakh to Rs 35 Lakh
• No pre-acceptance medical screening
• Any room
• 71 Consumables, including Admission charges, Record charges and Insurance Processing charges
• Cumulative bonus maximum up to 200%
• No co-payment
• AYUSH coverage, bariatric surgery, organ transplantation and modern treatments
• Delivery benefit
• Automatic restoration
• New-born cover
• Gala Fit-Pro Active Care (Engaging Wellness Program): Discount allowed up to 20%

Premium Flexibility & Discounts

• Instalment options: Monthly, Quarterly, Half-yearly or Annual
• Long-term discounts up to 15%
• 5% online discount
• Up to 20% renewal discount through the Gala Fit-Pro Active Care wellness programme

Waiting Periods

• Initial: 30 days
• PED and Specified Diseases: 24 months

Within its first year of operations, Galaxy Health Insurance has built a network of more than 15,000+ agents and insured over 3.47 Lakh lives across India. Product portfolio includes Galaxy Promise, a comprehensive family health plan, and Galaxy Marvel, a customisable plan.

The company aims to deliver accessible, technology-driven and affordable healthcare solutions while contributing to the national vision of ‘Health Insurance for All by 2047’.