*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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Liberty health insurance claim settlement ratio for FY 2021-22 is 90.5%. The claim settlement ratio (CSR) indicates Liberty General Insurance’s ability to pay off your claim requests. Since the CSR is more than 85%, it implies that the insurer settles most of the claims it receives.
Liberty General Insurance (LGI) is known for its quick and smooth settlement of claims. This has been made possible due to Liberty Health 360 – the in-house claim processing unit of the insurer.
With Liberty General Insurance, you can claim your medical expenses through both cashless and reimbursement procedures. Take a look at the process to file a Liberty health insurance claim:
For cashless claims, the insured must take the treatment at a network hospital of Liberty General Insurance. To register a cashless claim with Liberty Health Insurance, follow the steps given below:
Step 1: You need to inform Liberty General Insurance about your emergency hospitalization within 24 hours and planned hospitalization at least 72 hours in advance
Step 2: Go to the TPA helpdesk at the hospital, fill out the pre-authorization form and submit it.
Step 3: The hospital will send the pre-authorization form to Liberty Health 360 for approval.
Step 4: Liberty Health 360 will verify the details and send an authorization letter to the hospital. The insurer can also ask for additional documents if required.
Step 5: Avail the treatment and pay for items & services not covered by the insurer during discharge. Make sure to verify all the bills and sign them.
Step 6: Once you are discharged, Liberty Health 360 will verify the documents shared by the hospital and pay the claim amount.
To file a health insurance reimbursement claim with Liberty General Insurance, you need to follow the procedure given below:
Step 1: Notify the insurance company about your planned hospitalization at least 72 hours in advance and emergency hospitalization within 24 hours.
Step 2: Obtain the treatment and settle all the bills with the hospital while getting discharged from the hospital.
Step 3: Submit all the required documents to Liberty Health 360 within 7 days.
Step 4: Liberty Health 360 will crosscheck the documents and process the claim within 7 days of receiving all the documents. The payment will be made to you within 3 banking days.
Given below is the list of documents required to file a Liberty health insurance claim:
Apart from in-patient treatment documents, you must also submit:
Apart from in-patient treatment documents, you must also submit:
In addition to in-patient hospitalization documents, you need to furnish the following:
For any claim assistance, you can speak to Policybazaar’s health insurance customer support team and get your claims settled quickly.
For claim intimation, you need to provide the following information to Liberty General Insurance Company
When you get discharged from the hospital, you need to file your reimbursement claim with Liberty Health 360 within 7 days.
Yes, you can check Liberty health insurance claim status online on the insurance company’s website. Policybazaar customers can also call or write to us at care@policybazaar.com to know your claim status.