Liberty Health Insurance for Senior Citizens
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Liberty Health Insurance for Senior Citizens
Liberty Health Insurance for senior citizens offers comprehensive medical coverage to individuals aged 60 years and above. The Health Connect plan by Liberty General Insurance Limited covers senior citizens against hospitalization costs as well as other kinds of medical expenses. It is available in four variants – E-Connect, Basic, Elite and Supreme plans.
Key Benefits of Liberty Health Insurance for Senior Citizens
Check out the key benefits of Liberty Health Insurance plans for senior citizens:
- Multiple sum insured options ranging from Rs 2 lakh to Rs 15 lakh available
- Both individual and floater coverage available
- Free health check-up facilities after every 2 years
- No capping on room rent
- No sub-limits are applicable
- 10% automatic increase in sum insured for every claim-free year up to 100%
- Cashless treatment facilities at more than 5000 network hospitals in India
- Restoration of the sum insured in case of exhaustion
- Policy extension if travelling outside India for more than 15 days
- Avail tax benefits under Sec 80D of the Income Tax Act
Liberty Health Insurance Plans for Senior Citizens
The following table showcases the Liberty Health Insurance plans for senior citizens:
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Plan Name |
Sum Insured (Rs) |
Co-Payment |
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Liberty Health Connect E-Connect Plan |
3 lakh to 7.5 lakh |
Not Applicable |
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Liberty Health Connect Basic Plan |
2 lakh to 10 lakh |
Not Applicable |
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Liberty Health Connect Elite Plan |
3 lakh to 15 lakh |
Not Applicable |
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Liberty Health Connect Supreme Plan |
2 to 15 lakh |
Not Applicable |
Eligibility Criteria for Liberty Health Insurance for Senior Citizens
Take a look at the eligibility criteria to buy a Liberty Health Insurance plan for senior citizens:
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Categories |
Eligibility Criteria |
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Minimum Entry Age |
18 years |
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Maximum Entry Age |
65 years |
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Family Members Covered |
Self, spouse |
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Renewability |
Lifelong |
Choose Health Insurance Company for Senior Citizens
Inclusions of Liberty Health Insurance for Senior Citizens
Liberty Health Insurance plans for senior citizens come with the following coverage:
- In-patient Treatment Expenses
- Pre-hospitalization Expenses
- Post-hospitalization Expenses
- Day Care Treatment
- Domiciliary Hospitalization Treatment
- Hospital Daily Cash Allowance
- Emergency Local Road Ambulance Charges
- Organ Donor Expenses
- Second Opinion
- Recovery Benefit (Only under the Supreme plan)
- Nursing Allowance (Only under the Supreme plan)
Exclusions of Liberty Health Insurance for Senior Citizens
The following medical expenses are excluded under the Liberty Health Insurance for senior citizens:
- Intentional self-inflicted injuries
- Abuse of intoxicants including alcohol and drugs
- HIV AIDS
- Unproven treatment
- Plastic surgery or cosmetic surgery
- Non-allopathic treatment
- OPD treatment
FAQs
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Q1. Do I need to undergo a pre-policy medical check-up to buy Liberty Health Insurance for senior citizens?
Ans: Yes. Senior citizens need to undergo a pre-policy medical check-up to buy a Liberty Health Connect policy.
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Q2. Does Liberty Health Insurance for senior citizens come with any waiting periods?
Ans: Yes. The Liberty Health Connect insurance policy comes with the following waiting periods:
- Initial Waiting Period – 30 days
- Specific Illnesses Waiting Period – 1 year/ 2 years
- Pre-existing Diseases Waiting Period – 2/3/4 years (as per the plan variant)
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Q3. Where can I find the premium chart of Liberty Health Insurance for senior citizens?
Ans: You can find the Liberty Health Connect policy’s premium chart on the insurance company’s website. You can also use a health calculator premium calculator on the website of Policybazaar Insurance Broker Private Limited to know the premium of your policy.
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