Liberty HealthPrime Connect Plan

Liberty HealthPrime Connect is a comprehensive health insurance plan designed to cover the medical expenses of individuals and families. It provides coverage for hospitalization expenses, maternity expenses, OPD treatment, AYUSH treatment, pre-post hospitalization expenses, etc. It also comes with several attractive benefits, including worldwide cover, preventive health check-up facility, laser eye surgery and infertility treatment.

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Liberty HealthPrime Connect Plan

*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 HealthPrime Connect Plan: Key Highlights

    Categories Specifications
    Sum Insured Rs 10 lakh to Rs 1 crore
    Policy Tenure 1 year, 2 years
    Network Hospitals 5800+
    Claim Settlement Ratio (2021-22) 94%
    Incurred Claim Ratio (2020-21) 76.98%
    Pre-existing Diseases Waiting Period 3 years/ 4 years
    Discount 10% family discount
    7.5% multi-year policy discount

    Benefits of Liberty HealthPrime Connect Plan

    Take a look at some of the key benefits of buying the Liberty HealthPrime Connect plan:

    1. Restoration of Sum Insured

    In case the policyholder exhausts the entire sum insured, the amount gets restored once during a policy year up to 100% as part of the restoration of the sum insured benefit.

    2. Annual Health Check-up Facility

    The insured is eligible for a free health check-up every year as part of this Liberty Health Insurance policy.

    3. Cumulative Bonus

    The sum insured of the Liberty HealthPrime Connect policy can be enhanced by 10% for up to a maximum of 100% on every claim-free year with the cumulative bonus benefit. The policy also comes with the cumulative bonus enhancer benefit that can increase the sum insured by 25% up to a maximum of 150% on every claim-free year.

    4. Worldwide Cover

    Under this policy, the insured can avail coverage for emergency medical expenses incurred outside India by opting for worldwide cover.

    5. Extended Policy Tenure

    In case the insured is travelling outside India for more than 15 days to up to 180 days, then Liberty General Insurance extends the policy tenure by the number of days he/she was travelling abroad.

    6. No Co-payments, No Sub-limits

    This Liberty health insurance policy does not come with any co-payment or sub-limits that the insured will have to pay.

    7. Cashless Hospitalization

    Liberty General Insurance offers cashless hospitalization facilities to the insured at over 5800 network hospitals across India.

    8. Preventive Care

    The insurance company will provide additional benefits, such as a first medical opinion, live health talk, electronic medical record management and fortnightly newsletters to the insured for preventive healthcare and improving existing health conditions.

    9. Stay Fit Perks

    On every two consecutive claim-free years, Liberty General Insurance will provide a lump sum amount to the insured as part of the Stay Fit benefit. This amount can be used to pay non-medical expenses at the time of claim settlement.

    10. Health 360°

    This policy provides a range of health & wellness benefits to the insured to maintain a healthy lifestyle, including a disease management program, dedicated health professional, etc.

    11. Tax Benefits

    Policyholders can avail tax benefits on the premium paid towards the Liberty HealthPrime Connect plan under Sec 80D of the Income Tax Act.

    Liberty HealthPrime Connect Plan Eligibility Criteria

    Here are the eligibility criteria to buy a Liberty HealthPrime Connect Plan:

    Parameters Eligibility Criteria
    Minimum Entry Age Adult – 18 years
    Child – 91 days
    Maximum Entry Age Adult – 65 years
    Child – 25 years
    Coverage Type Individual/ family floater
    No. of Relationships 5 (2 adults and 3 children)
    Relationships Covered Self, spouse, children, parents, parents-in-law, siblings, son-in-law, daughter-in-law, grandchildren and grandparents
    Renewability Lifelong

    Types of Liberty HealthPrime Connect Plan

    The Liberty HealthPrime Connect plan comes in three different types:

    • Essential – This plan offers basic medical coverage and is available for a sum insured of Rs 10 lakh to Rs 50 lakh.
    • Optimum – This plan offers a wider coverage to the insured and comes with a sum insured option ranging from Rs 10 lakh to Rs 50 lakh.
    • Optimum Plus – This plan offers comprehensive coverage to the insured and is available for a sum insured of Rs 75 lakh and Rs 1 crore only.

    Inclusions of Liberty HealthPrime Connect Plan

    A Liberty HealthPrime Connect plan includes the following coverage:

    • In-patient Hospitalization Expenses
    • Day Care Procedures
    • Pre-hospitalization Expenses
    • Post-hospitalization Expenses
    • Domiciliary Hospitalization Treatment
    • Hospital Daily Cash Allowance
    • Emergency Local Road Ambulance Charges
    • Organ Donor Expenses
    • Second Opinion
    • Nursing Allowance
    • Laser Eye Surgery
    • Vaccination for Animal Bite
    • AYUSH Treatment
    • Obesity Treatment Cover
    • Infertility Treatment Cover
    • Maternity and Child Care
    • Emergency Assistance Services

    Optional Covers:

    • Cumulative Bonus Enhancer
    • Out Patient Treatment (OPD) Cover
    • Critical Illness & Personal Accident Cover
    • Worldwide Coverage

    Exclusions of Liberty HealthPrime Connect Plan

    The Liberty HealthPrime Connect plan excludes the following medical coverage:

    • AYUSH Treatment
    • Dental treatment or surgery
    • External congenital anomaly
    • Cosmetic surgery or plastic surgery
    • Self-inflicted injuries
    • Unproven treatments
    • Treatment for alcohol or drug addiction
    • Artificial life maintenance

    Liberty HealthPrime Connect Plan Waiting Periods

    Check out the waiting periods applicable to the Liberty HealthPrime Connect plan:

    Category Waiting Period
    Initial Waiting Period 30 days
    Specific Illness Waiting Period 1 year/ 2 years
    Pre-existing Diseases Waiting Period 3 years/ 4 years
    Mental Illness 4 years
    HIV AIDS 4 years


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