Liberty Hospital Cash Insurance Policy

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      Liberty Hospital Cash Insurance Policy

      Liberty Hospital Cash policy covers unaccounted expenses resulting from an accidental or sickness hospitalization that are mostly excluded by regular health insurance plans. It provides financial support to the policyholder to reduce out of pocket expenses incurred during hospitalization.

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      Liberty Hospital Cash Policy Overview

      Liberty Hospi-Cash Connect policy provides a fixed daily hospital cash benefit to the insured during hospitalization. It offers twice the daily hospital cash benefit amount in case of accidental hospitalization and ICU admission. It offers a recovery benefit if hospitalized for more than 15 days. It also provides a lump sum benefit in case of minor and major surgical procedures if a threshold limit is crossed.

      The Liberty Hospital Cash policy offers a sum insured ranging from Rs 2 lakh to Rs 10 lakh. It provides coverage for a maximum of 30 hospital cash days.

      The Liberty Hospi-Cash Connect policy also comes with Flexi covers, which allows the insured to customize the coverage as per his/her preference. The covers include critical illness benefit, day care procedure cash and convalescence benefit amongst others.

      Liberty Hospital Cash Policy Eligibility Criteria



      Minimum Entry Age

      18 years

      91 days (children)

      Maximum Entry Age

      65 years

      18 years (children)

      Plans Offered

      Sure, Sure Optima, Sure Ultima, Sure Supreme, Sure Excel



      Hospital Cash Amount/ Sum Insured

      Rs 2/3/4/5/7.5/10 lakh

      Rs 10 to 15 lakh (in case of Hospital Cash Flexi)

      Number of Hospital Cash Days

      30 days

      Pre-policy health check-up

      Not required in case of no medical history

      Policy Term

      1 year/ 2 years/ 3 years

      Pre-existing diseases waiting period

      3 years




      Family discount, loyalty discount, long term policy discount, Direct policy purchase discount

      Key Features of Liberty Hospital Cash Policy

      Here are the key features and benefits of Liberty Hospi-Cash Connect policy:

      • It provides a hospital cash allowance for every day of hospitalization.
      • It provides double accident benefit and ICU benefit.
      • It comes with a one-time recovery benefit.
      • It provides lump sum benefit for minor & major surgical procedures.
      • It comes with the Hospital Cash Connect Flexi plan with the option to customize policy coverage.
      • It covers pre-existing diseases from first renewal in case of 3 years policy tenure.
      • It provides tax benefits under the Income Tax Act, section 80D.

      Inclusions of Liberty Hospital Cash Policy

      The Liberty General Insurance Company provides the following coverage under the Hospi-Cash Connect policy:

      • Daily Hospital Cash- Offers daily cash allowance in case of hospitalization due to an illness
      • Daily Hospital Cash - Accident- Offers daily cash benefit if hospitalized due to an accidental injury
      • Double Accident Benefit- Offers twice the daily hospital cash benefit amount if hospitalized due to an accidental injury for more than 3 days
      • Double ICU Benefit- Offers double the daily cash benefit amount if admitted to an ICU
      • Recovery Benefit- Offers a one-time lump sum benefit equivalent to five times the hospital cash benefit amount if hospitalized for more than 15 consecutive days
      • Special Care on Minor Surgeries- Offers a one-time fixed benefit equivalent to three times the hospital cash benefit amount if incurred more than Rs 50,000 on minor surgical procedures
      • Special Care on Major Surgeries-  Offers a one-time lump sum benefit equivalent to five times the hospital cash benefit amount if incurred more than Rs 2,00,000 on major surgical procedures
      • Restore Benefit- Provides restoration of the sum insured if it has been exhausted during the policy year

      Optional Covers:

      • Flexi Cover - Offers the option to choose policy covers, including double ICU benefit, day care procedure cash, convalescence benefit, recovery benefit, etc.
      • Wellness Program- Offers coverage, such as emergency medical evacuation, compassionate visit, medial consultation, evaluation & referral, etc.

      Exclusions of Liberty Hospital Cash Policy

      The following medical expenses are not covered under the Liberty Hospi-Cash Connect policy:

      • Cosmetic surgery/ plastic surgery
      • OPD treatment
      • Self-inflicted injury, including suicide or an attempt to suicide
      • HIV AIDS
      • External congenital anomaly
      • Alternative treatment
      • Abuse of intoxicating substances, such as alcohol and drugs
      • Pregnancy and infertility treatments
      • Injuries due to participation in hazardous sports
      • Treatments taken outside India

      The above list of exclusions is not exhaustive. Check out the complete list by referring to the Liberty Hospital Cash policy brochure.


      Policybazaar exclusive benefits
      • 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*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:-

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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