Liberty Health Insurance Top Up & Super Top up Plan

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      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 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.

      FAQs

      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*
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      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. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *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:- http://bit.ly/3J20bXZ

      ##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.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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