Liberty Health Insurance Top Up & Super Top up Plan

Liberty Health Connect Supra is a Top-up and Super top-up health insurance plan that enhances your sum insured amount at a lower premium over the specified deductible amount applied on aggregate for each policy term. Liberty Health Top-up and Super top-up policy offer higher sum insured options up to Rs 20 lakh and Rs 1 Crore respectively.

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Liberty Health Insurance Top Up & Super Top up 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 Health Top-up & Super Top-up Plans

    Liberty Health Top-up and Super Top-up products are designed to enhance the base sum insured to enable the policyholder to pay off huge hospitalization expenses that may require more than the coverage amount.

    For instance, if you have a Liberty Health top-up plan of Rs 20 lakh, a deductible limit of Rs 2 lakh, and the hospital bill is Rs 15 lakh then the insurance company will pay off the amount over and above Rs 3 lakh i.e. Rs 13 lakh.

    Eligibility Criteria:

    Criteria

    Specifications

    Minimum Entry Age

    Adults: 18 years

    Children: 91 days

    Maximum Entry Age

    Adults: 65 years

    Children: 25 days

    Plan Variants

    Top-up and Super Top-up

    Sum Insured

    Top-up Plan: up to Rs 20 lakh
    Super Top-up Plan: up to Rs 1 Crore

    Deductibles

    Top-up: Rs 2 lakh- Rs 10 lakh
    Super Top-up: Rs 2 lakh- Rs 40 lakh

    Renewability

    Lifelong

    Waiting period for pre-existing diseases

    36 months

    The Liberty health insurance plans for individuals and families come in two categories as given below.

    • Health Connect Supra Top-up plan- Plan 1, Plan 2, Plan 3.
    • Health Connect Supra Super Top-up plan- Plan 1, Plan 2

    Liberty Health Connect Supra Top-up Plan

    Liberty Health Connect Supra top-up plan enhances the Sum Insured at an affordable cost. The policyholder has the benefit of receiving the Sum insured up to Rs 20 lakh. The Top-up plans come in three variants: Plan 1, Plan 2, and Plan 3 for individuals and families. The Sum Insured is calculated on the basis of every claim made along with the deductible specified.

    Liberty Health Connect Supra Super Top-up Plan

    Liberty Health Connect Super Top-up plan increases the Sum insured receivable up to Rs1 Crore. The super top-up plan also comes in three variants as Plan 1, Plan 2, and Plan 3 for individuals and families. The sum insured is calculated based on an aggregate for every policy year basis along with the deductible specified.

    Key Benefits of Liberty Top-up and Super Top-up Health Insurance Plans

    The benefits and features of Liberty Health Top-up and Super Top-up Plans are given below:

    • A wide range of sum insured options are available up to Rs 20 lakh in the Liberty Health top-up policy
    • A wide range of sum insured options are available up to Rs 1 Crore in the Liberty Health Super top-up policy
    • The deductibles in the policy range from Rs 2 lakh to Rs 20 lakh
    • Does not require a health check-up before the policy purchase
    • Some of the additional benefits include preventive health checks, medical opinions, digitally managed medical records, live chat concerning health-related issues, and health news bulletins.
    • Cashless claims can be made from over 5000 network hospitals
    • Tax benefits for the premium paid in accordance with the Income Tax Act
    • Round-the-clock medical consultations and evaluation services are offers

    Inclusions of Liberty Top-up and Super Top-up Health Plans

    Liberty Supra Connect Top-up and Super Top-up plans cover the following medical expenses during the policy term:

    • Liberty Super Top-up and the top-up policy covers the in-patient hospitalization expenses such as room, boarding, ICU expenses, doctor’s fees, and nursing expenses
    • The policy also compensates the expenses incurred on prescribed drugs and medicines during the hospitalization
    • The insurer also pays for the cost of prosthetics and other devices used during a surgical procedure
    • 405 day care procedures are also payable under this health insurance plan
    • The expenses incurred on investigation services such as laboratory, X-Ray, and diagnostic tests are also covered
    • Pre and post hospitalization expenses are covered as well
    • The policy also offers additional coverage benefits such as  worldwide coverage, Ayush treatment, Reload of Sum Insured when it gets exhausted, and Wellness & Assistance Program

    You can refer to the Liberty Health Connect Supra Premium Chart to establish the amount of premium payable. You can also refer to Liberty Health Supra Top-up and Super Top-up Health Insurance Plan Brochure for detailed list of the exclusions.

    Exclusions of Liberty Top-up and Super Top-up Health Insurance Plans

    Liberty Supra Connect Top-up and Super Top-up plans do not cover expenses related to:

    • Pregnancy such as miscarriage, voluntary termination and complications related to childbirth
    • Treatments related to birth control procedures such as sterility, fertility and complications related to Assisted Reproductive Technology
    • Sexually transmitted diseases such as Genital Warts, Syphilis, HIV/AIDS, etc.
    • Dental treatment and surgery
    • Self-medication practices
    • Treatments related to the cost of spectacles, contact lenses, laser treatment for eyesight corrections are out of the scope of the policy
    • Weight management services and treatments related to obesity and overweight
    • Medical expenses arising out of mental illness and stress are also excluded

    *You can also refer to the Liberty health Connect Supra policy brochure to get the complete list of exclusions.

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