Liberty Health Insurance for Family
*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 for Family
Liberty Health Insurance for family is a medical insurance plan that covers the health needs of the entire family. This plan by Liberty General Insurance Company Limited offers coverage for a variety of medical expenses incurred by the insured members of the family on a floater sum insured basis.
Key Benefits of Liberty Health Insurance for Family
Liberty Health Insurance for family comes with the following key benefits:
- High sum insured options ranging from Rs 2 lakh to Rs 1 crore
- No capping on hospital room rent
- Free health check-up facilities available
- No pre-policy medical check-up for people up to 55 years
- Cashless hospitalization services at over 5000 network hospitals
- Restoration of the sum insured in case of exhaustion up to 100%
- Cumulative bonus up to 100% available after every claim-free year
- 15-day policy extension if travelling abroad
- Avail tax benefits under Section 80D of the IT Act, 1961
- 5% multi-year policy discount on opting for a 2-year term
Liberty Health Insurance Plans for Family
Take a look at the various Liberty Health Insurance plans for families available in the market:
|
Plan Name |
Sum Insured (Rs) |
Pre-existing Diseases Waiting Period |
|
|
Liberty Health Connect Plan |
E-Connect – 3 lakh to 7.5 lakh |
24 months/ 36 months/ 48 months |
View Plan |
|
Liberty Secure Health Connect Plan |
Basic – 2 lakh to 5 lakh |
48 months |
View Plan |
|
Liberty Health Prime Connect Plan |
Essential – 10 lakh to 50 lakh |
36 months/ 48 months |
View Plan |
Eligibility Criteria for Liberty Health Insurance for Family
Check out the eligibility criteria to buy a Liberty Health Insurance plan for a family below:
|
Categories |
Eligibility Criteria |
|
|
Adult |
Child |
|
|
Minimum Entry Age |
18 years |
91 days |
|
Maximum Entry Age |
65 years |
25 years |
|
No of Family Members Covered |
Self, spouse, dependent children, parents and parents-in-law |
|
|
Renewability |
Lifelong |
|
Choose Health Insurance Company for Family
Inclusions of Liberty Health Insurance for Family
Liberty Health Insurance for family provides the following coverage:
- In-patient Treatment
- Day Care Procedures
- Pre-hospitalization Medical Expenses
- Post-hospitalization Medical Expenses
- Emergency Local Road Ambulance Charges
- Hospital Daily Cash Allowance (under Secure Health Connect Complete & Health Prime Connect plans)
- Domiciliary Hospitalization Treatment (excluded in Secure Health Connect Complete plan)
- Organ Donor Expenses (excluded in Health Connect plan)
- Second Opinion (excluded in Health Connect plan)
- Nursing Benefit (excluded in Health Connect plan)
- AYUSH Treatment (under Health Prime Connect plan)
- Maternity & Child Care (under Health Prime Connect plan)
- Obesity Treatment Cover (under Health Prime Connect plan)
- Infertility Treatment (under Health Prime Connect plan)
Optional Covers:
- Enhanced Cumulative Bonus (excluded in Health Connect plan)
- Critical Illness & Personal Accident Cover (under Health Prime Connect plan)
- OPD Cover (under Health Prime Connect plan)
- Worldwide Coverage (under Health Prime Connect plan)
- Waiver of Medical Expenses Sub-limits (excluded in Secure Health Connect Complete plan)
The coverage level may vary from one Liberty Health Insurance plan for family to another.
Exclusions of Liberty Health Insurance for Family
Here are the various exclusions under Liberty Health Insurance for family:
- Self-inflicted injury treatment
- Sexually transmitted diseases
- Treatment for abuse of alcohol or drugs
- HIV AIDS
- Cosmetic surgery
- Mental illnesses
Get the complete list of exclusions by referring to the brochure of Liberty Health Insurance plans for a family.
FAQs
-
Q1. What are the waiting periods applicable to Liberty Health Insurance for family?
Ans: The following waiting periods apply to Liberty Health Insurance plans for a family:
- Initial Waiting Period – 30 days
- Specific Diseases Waiting Period – 12/24 months
- Pre-existing Diseases Waiting Period – 24/36/48 months
-
Q2. Do I need to pay any co-payment under Liberty Health Insurance for family?
Ans: Yes, you need to pay a co-payment of 10% on all claims under Liberty Secure Health Connect plan if you are above 60 years old, except for the Supreme variant.
-
Q3. Does Liberty Health Insurance for family comes with any sub-limits?
Ans: Yes. The Liberty Secure Health Connect plan comes with certain sub-limits that can be checked by going through the policy documents.
- 30 minutes claim support*(In 120+ cities)
- Relationship manager For every customer
- 24*7 claims assistance In 30 mins. guaranteed*
- Instant policy issuance No medical tests*
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