Liberty Health Insurance
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*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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Liberty Health Insurance
Liberty Health Insurance is the health segment of Liberty General Insurance Limited. It offers a variety of impressive health insurance plans to cover all healthcare and hospitalization needs of different people. These comprehensive plans are reasonably priced and offer cashless treatment at all network hospitals of the company.
Liberty General Insurance Company Limited is a joint venture between US-based Liberty Mutual Insurance Group, DP Jindal Group and Enam Securities. It came into existence in the year 2013 with an aim to provide comprehensive insurance solutions to people. It offers multiple insurance products, such as health insurance, car insurance, two wheeler insurance, commercial insurance, etc. It has more than 1200 employees working across 110 offices in 95 cities. Moreover, Liberty General Insurance Company enjoys a claim settlement ratio of 94% as of the financial year 2019-20.
Liberty Health Insurance Plans
Liberty Health Insurance Company offers a comprehensive range of health insurance plans to the customers. The list of various health insurance plans offered by Liberty Health is given below:
How to Buy Liberty Health Insurance Online at Policybazaar?
Follow the steps given below to buy a Liberty Health Insurance policy online at Policybazaar:
- Visit the official website of Policybazaar.com
- Click on the ‘Health Insurance’ icon
- Fill up the form with the requested details, such as age, phone number, city, etc.
- Provide details of any existing or previous medical condition
- Select the Liberty Health Insurance plan as per your health needs
- Choose any add-on covers if you desire
- Pay the premium amount online
- Liberty Health Insurance policy will be issued within a few minutes
The Liberty Health Connect policy is a comprehensive plan that offers optimum coverage at a pocket-friendly price. It can be purchased by individuals as well as families. It comes with unique coverage benefits, such as second opinion, restoration of the sum insured, nursing allowance, recovery benefit, etc.
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Plan Variants |
E-Connect, Basic, Elite, Supreme |
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Coverage Type |
Individual/Floater |
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Sum Insured |
Rs 2 to 15 lakh |
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Eligibility (Entry Age) |
18 years 91 days (child) |
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Pre-policy health check-up |
Not required for up to 55 years |
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Policy Term |
1 year/ 2 years |
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Co-payment |
Not applicable |
Features & Benefits:
- It covers pre and post-hospitalization expenses for up to 60 days and 90 days respectively.
- It offers a hospital daily cash allowance of Rs 500/1000 per day.
- In addition, it also covers day care treatment, road ambulance charges, domiciliary hospitalization, etc.
- It offers recovery benefit and nursing allowance under the Supreme plan.
- It comes with the option of restoring the basic sum insured and availing a second opinion.
- It also offers a cashless health check-up facility during renewals.
The Liberty Health Connect Supra policy allows the insured to claim medical expenses even after exhausting the sum insured of the basic health insurance policy. But it involves paying a deductible amount for every claim. It also comes with optional benefits, such as sum insured reload, worldwide coverage, wellness & assistance program, preventive care, etc.
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Plan Variants |
Top Up, Super Top Up |
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Coverage Type |
Individual/Floater |
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Sum Insured |
Rs 3 lakh to 1 crore |
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Eligibility (Entry Age) |
18 years 91 days (child) |
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Pre-policy health check-up |
Not required for up to 65 years |
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Policy Term |
1 year/ 2 years/ 3 years |
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Deductible |
Up to Rs 40 lakh |
Features & Benefits:
- It provides coverage for in-patient hospitalization, including room rent and ICU charges.
- It covers pre and post-hospitalization expenses for up to 60 days and 90 days respectively.
- It provides coverage for 405 day care procedures.
- It comes with the option of worldwide coverage and AYUSH treatment.
- It offers a loyalty perk that increases the sum insured by 10% for every claim-free year.
The Liberty Secure Health Connect policy is a family health insurance plan that offers medical coverage to each member of the family at an affordable price. It comes with impressive coverage benefits, such as reload of the sum insured, enhanced cumulative bonus, claim assurance and stay fit perks. Besides, it allows the policyholder to pay the premium in instalments.
|
Plan Variants |
Basic, Elite, Supreme, Complete |
|
Coverage Type |
Individual/Floater |
|
Sum Insured |
Rs 2 to 15 lakh |
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Eligibility (Entry Age) |
18 years 91 days (child) |
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Pre-policy health check-up |
Not required for up to 55 years |
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Policy Term |
1 year/ 2 years/ 3 years |
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Co-payment |
10% for applicants above 60 years and non-network hospitals |
Features & Benefits:
- It provides coverage for in-patient treatment expenses androad ambulance charges.
- It covers pre and post-hospitalization expenses for up to 30 days and 45 days respectively.
- It provides coverage for 405 day care procedures.
- It offers a hospital daily cash allowance for a maximum of 10 days.
- It comes with a cumulative bonus that enhances the sum insured by up to 25%.
- It offers a health check-up facility after every two claim-free years.
The Liberty Individual Personal Accident plan provides financial coverage against medical emergencies resulting from an accident. It provides compensation in case of accidental death or disability of the insured. It also pays compensation for the loss of income and offers optional coverage for accidental hospitalization.
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Coverage Type |
Individual/Floater |
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Sum Insured |
Rs 1 lakh to Rs 1 crore |
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Eligibility (Entry Age) |
18 years 5 years (child) |
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Policy Term |
1 year/ 2 years/ 3 years |
Features & Benefits:
- It pays compensation in case of accidental death or disability.
- It comes with value-added covers, such as child education benefit, funeral expenses, etc.
- It provides optional covers, such as accidental hospitalization, ambulance charges, hospital daily cash, life support benefit, etc
- It comes with six plan options to choose from.
- It offers global coverage against personal accident.
The Liberty Janta Personal Accident policy provides financial support to the family of the insured in case of accidental death. It is specially designed to provide personal accident cover to people living in rural areas.
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Coverage Type |
Individual |
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Eligibility (Entry Age) |
18 years 5 years (child) |
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Policy Term |
1 year |
Features & Benefits:
- It provides coverage for accidental death and disability.
- It allows the policyholder to restore the exhausted sum insured during the policy year.
- It comes withworldwide coverage.
The Liberty Hospi-Cash policy safeguards the insured against the increased financial burden resulting from hospitalization due to an illness or accident. It provides fixed daily hospital cash to cover incidental expenses incurred during hospitalization for up to 30 days. It also comes with an optional Flexi cover where coverage can be customized as per the insurer’s needs.
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Plan Variants |
Sure, Sure Optima, Sure Ultima, Sure Supreme, Sure Excel |
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Coverage Type |
Individual/Family |
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Sum Insured |
Rs 2 lakh to Rs 10 lakh |
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Eligibility (Entry Age) |
18 years 91 days (child) |
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Pre-policy health check-up |
Required only for people with a medical history |
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Policy Term |
1 year/ 2 years/ 3 years |
Features & Benefits:
- Itprovides a lump sum hospital cash daily during hospitalization.
- It provides double ICU and accident benefit.
- It offers recovery benefit and special care on major/minor surgeries under certain plan variants.
- It offers sum insured restore benefit under the Hospi Sure Excel plan.
- It covers pre-existing diseases after the first renewal in case of the 3-year policy tenure.
- It also offers double critical illness benefit and day care procedure cash under the Flexi plan.
The Liberty Critical Connect policy is a customized policy designed to cover the insured against critical illnesses. It provides a lump sum benefit to pay for the treatment of covered critical illnesses along with those arising out of HIV/AIDS. It comes with Health 360 cover that includes Delight Healthcare, Concierge Healthcare, dedicated medical professional and wellness rewards.
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Plan Variants |
Plan A, Plan B |
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Coverage Type |
Individual/Floater |
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Sum Insured |
Rs 1 lakh to Rs 1 crore |
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Eligibility (Entry Age) |
18 years 5 years (child) |
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Policy Term |
1 year/ 2years/ 3 years |
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Co-payment |
Not applicable |
Features & Benefits:
- It pays compensation to cover 59 critical illnesses.
- It offers coverage for second & third events and multiple claims as per the plan variant.
- It covers the cost of second opinion/teleconsultation
- It offers a cashless medical check-up facility after every 2 years.
- It comes with the optional cover of loan protector and survival period waiver.
The Arogya Sanjeevani policy by Liberty Health Insurance is a standard policy that offers comprehensive coverage against medical expenses. It covers hospitalization expenses along with modern treatments, such as oral chemotherapy, deep brain stimulation, stem cell therapy, etc.
|
Coverage Type |
Individual/Floater |
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Sum Insured |
Rs 1 lakh to Rs 5 lakh |
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Eligibility (Entry Age) |
18 years 91 days (child) |
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Pre-policy health check-up |
Not required up to 45 years |
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Policy Term |
1 year |
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Co-payment |
5% on all claims |
Features & Benefits:
- It provides coverage for hospitalization expenses along with day care procedures and road ambulance charges.
- It covers pre and post-hospitalization expenses for30 days and 60 days respectively.
- It provides coverage for AYUSH treatment and 12 modern treatments.
- It also covers cataract treatment for up to Rs 40,000 or 25% of the sum insured.
- It comes with a cumulative bonus benefit for every claim-free year.
The Liberty HealthPrime Connect Policy is a comprehensive policy that provides coverage for a wide range of medical and hospitalization expenses. It comes with unique covers, such as an animal bite vaccination cover and laser eye surgery. It also allows the insured to opt for maternity expenses, obesity, treatment and infertility treatment amongst others.
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Plan Variants |
Essential, Optimum, Optimum Plus |
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Coverage Type |
Individual/Floater |
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Sum Insured |
Rs 10 lakh to Rs 1 crore |
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Eligibility (Entry Age) |
18 years 91 days (child) |
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Policy Term |
1 year/ 2 years |
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Co-payment |
Not applicable |
Features & Benefits:
- It provides coverage for in-patient hospitalization expenses, domiciliary hospitalization, organ donor expenses, etc.
- It covers pre and post-hospitalization expenses for up to 90days and 120 days respectively.
- It covers the cost of laser eye surgery, second opinion and animal bite vaccination.
- It also provides a hospital daily cash allowance of up to Rs 4000 per day.
- It offers a cashless health check-up facility annually or after every 2 years as per the plan variant.
- It comes with option covers, such as obesity treatment, sum insured enhancement, maternity expenses, etc.
The Corona Kavach policy by Liberty Health Insurance is an indemnity policy that provides coverage for the medical expenses incurred during the treatment of COVID-19. It covers hospitalization expenses, home care treatment expenses along with the cost of consumables, such as PPE kits, masks, oxygen, etc.
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Coverage Type |
Individual/Floater |
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Sum Insured |
Rs 50,000 to Rs 5 lakh |
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Eligibility (Entry Age) |
18 years 1 day (child) |
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Policy Term |
3.5 months, 6.5 months and 9.5 months |
Features & Benefits:
- It covers the cost of COVID hospitalization and home treatment.
- It covers pre and post-hospitalization expenses for 15days and 30 days respectively.
- It also covers the cost of AYUSH treatment taken to cure coronavirus.
- It comes with the optional cover of Hospital Daily Cash.
The Corona Rakshak policy by Liberty Health Insurance provides coverage for the hospitalization expenses incurred during the treatment of COVID-19. It provides a lump sum benefit if the insured is diagnosed with coronavirus in a test conducted by a government-authorized diagnostic centre. The policy gets activated after continuous hospitalization of 72 hours.
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Coverage Type |
Individual |
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Sum Insured |
Rs 50,000 to Rs 2.5 lakh |
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Eligibility (Entry Age) |
18 years |
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Policy Term |
3.5 months, 6.5 months and 9.5 months |
Features & Benefits:
- It provides a one-time benefit to cover hospitalization expenses due to COVID-19.
- It pays a lump sum amount if the insured is tested COVID-19 positive.
- It requires a minimum hospitalization of 72 hours to avail policy benefits.
The Liberty Secure Future Connect policy provides coverage for a variety of medical expenses arising out of hospitalization. It covers the cost of 25 critical illnesses diagnosed for the first time during the policy tenure. It also comes with personal accident cover and involuntary loss of job cover.
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Coverage Type |
Individual |
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Eligibility (Entry Age) |
18 years |
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Policy Term |
1 year/ 2 years/ 3 years |
Features & Benefits:
- It provides a lump sum benefit to cover the treatment cost of 25 critical diseases.
- It pays compensation in case of accidental death or disability.
- It pays a one-time compensation for involuntary loss of a job equivalent to three EMIs of the insured’s loan.
The Saral Suraksha Bima by Liberty Health Insurance is a personal accident policy that compensates for the losses resulting from accidental death & disability. It allows the insured to opt for optional covers such as temporary total disablement, education grant and accidental hospitalization expenses.
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Coverage Type |
Individual |
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Eligibility (Entry Age) |
18 years |
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Policy Term |
1 year |
|
Co-payment |
Not applicable |
Features & Benefits:
- It provides compensation for the accidental death of the insured.
- It provides coverage for permanent total/partial disability.
- It comes with optional covers, including accidental hospitalization cover and education grant.
- It offers a 5% cumulative bonus for every claim-free year.
How to File a Claim with Liberty Health Insurance?
Liberty Health insurance covers two kinds of claims - cashless claims and reimbursement claims. Take a look at the process to file a cashless and reimbursement claim:
Cashless Claim Process
- Inform the insurer of the planned hospitalization at least 72 hours before getting admitted
- Visit a network hospital of Liberty General Insurance Company Limited
- Go to the third party administrator desk and fill up a pre-authorization form
- Submit the form to the TPA who will send it to Liberty Health 360
- Liberty Health 360 will verify the claim with the policy coverage and send an authorization letter to the hospital
- Receive the treatment at the hospital
- During discharge, pay for the services that are not covered by Liberty health insurance plan
- Verify and sign the hospital bills
- Collect a copy of all the documents, including hospital discharge summary, test reports, etc.
- Liberty Health 360 will settle the claim with the hospital
Reimbursement Claim Process
- Inform the Liberty General Insurance Company about the claim within 7 days of hospitalization by calling or through an email
- Receive the treatment at the non-network hospital
- At the time of discharge, collect all the documents from the hospital
- Submit all the required documents to the insurer
- The documents will be verified by the insurer as per the policy coverage
- The insurer will pay the claim amount within 7 days
Exclusions of Liberty Health Insurance
Liberty Health Insurance plans do not cover medical expenses arising out of the following:
- OPD treatment
- Dental treatment and surgery (unless resulting from an accident)
- Cosmetic/plastic surgery and aesthetic treatment
- Self-inflicted injury, suicide or any attempt to suicide
- Mental illness, stress or psychological/psychiatric disorders
- Artificial life maintenance
- HIV AIDS
- Injuries due to participation in hazardous or adventure sports
- Sexually transmitted disease
- External congenital anomaly
Check out the complete list of exclusions as per the chosen plan by referring to its policy wordings.
How to Renew Liberty Health Insurance Online?
The following procedure must be followed to renew a Liberty Health Insurance policy online:
- Visit policybazaar.com to renew Liberty health insurance policy
- Go to the ‘Renew Your Policy’ option and click on ‘Health Renewal’
- Enter the registered mobile number or the policy number
- Review the details of the Liberty health insurance policy to be renewed
- Add or remove any cover from the policy if you want
- Pay the renewal premium online
- Policybazaar will renew the policy within a couple of minutes
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.
Documents Required for Liberty Health Insurance Reimbursement Claim
Submit the following documents to file a reimbursement claim under Liberty Health Insurance:
- Duly filed Liberty health insurance claim form
- Copy of the policy document or ID card
- Doctor consultation and prescriptions
- Original doctor’s note recommending medical tests/investigations
- Original medical investigation/test bills and reports
- Surgeon certificate mentioning the nature of the operation
- Attending doctor/specialists/anaesthetist/consultants certificate
- Copy of Police FIR (in case of road accident claims)
- Original hospital discharge or day care surgery
- Original consolidated hospital bill with item breakup
- Original hospital bill payment receipt with the receipt number
- Original implant bill and payment receipts
- Hospital registration number and PAN details
- Doctor’s qualification and registration number
Liberty Health Insurance - FAQs
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Q1. How to pay Liberty Health Insurance? What are the modes of payment available?
Ans: The premium for a Liberty Health Insurance policy can be paid online and offline. It offers the following modes of premium payment namely:
- Credit/Debit Card
- Net banking
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Q2. How can I check the policy status for Liberty health insurance?
Ans: You can either contact the nearest branch to check the policy status or call the toll-free number of the insurer. You can also send an email to know the policy status.
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Q3. Do I get any benefits while renewing my Liberty Health Insurance policy?
Ans: Yes. You can get renewal benefits, such as cumulative bonus, loyalty perks, etc. while renewing your Liberty Health Insurance policy.
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Q4. Do I need to undergo a medical check-up every year during Liberty Health Insurance policy renewals?
Ans: No. You do not need to undergo a medical check-up every year while renewing your Liberty Health Insurance policy as long as there is no break in the policy.
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Q5. What is the policy cancellation process for Liberty Health Insurance?
Ans: You can cancel your Liberty Health Insurance policy anytime during the policy year by calling on the toll-free number of the insurer or by sending an email. You can also get your policy cancelled by visiting the nearest branch of Liberty General Insurance Company.
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