Liberty Hospital Cash Insurance Policy

(22 Reviews)
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*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 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

      Criteria

      Specifications

      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

      Coverage

      Individual/Family

      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

      Renewability

      Lifelong

      Discounts

      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.

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