Liberty Health Insurance

When it comes to offering comprehensive health insurance coverage, Liberty Health insurance meets the demand eminently. The policies offered by the insurer fulfill the requirement with the right kind of solution in a range of health insurance plans, in harmony with Indian sensibilities and needs. Extensive coverage in terms of medical expenses is the hallmark of Liberty Health Insurance Plans, which has a bouquet of variants to choose from.

What is Liberty Health Insurance?

Liberty Health Insurance is a comprehensive cover for a range of hospital medical expenses, offered by a new Liberty General Insurance Limited, operating since 2013 through its corporate headquarters in Mumbai. It is a joint venture enterprise between US-based Liberty Insurance Limited, a Group Company of Liberty Mutual Insurance Group founded in 1912, along with their Indian counterparts Enam Securities, specialists in investments and the DP Jindal Group, an Industrial Conglomerate. The combined expertise brings to the fore a customer-centric business model aiming to provide retail, commercial, and industrial insurance solutions to address preferred distinctive needs of Individual and Corporate customers. Within this short period, LGI has established a foothold pan India with 97 offices in 98 cities spread across 28 states. It boasts a partner network of 5000+ hospitals to provide an assured seamless experience to health insurance policyholders. 

Why Choose Liberty Health Insurance?

The need for Health Insurance in India is pronounced now as never before. Very low penetration of suitable healthcare insurance offers enormous scope to Liberty Health Insurance to tap the market with a customized portfolio of health insurance products offering comprehensive coverage at an affordable cost. The Claim Settlement Ratio achieved on March 31, 2019, is an indicator of the seamless experience awaiting the policyholder. The key attractive factors highlighted by Liberty Health Insurance Reviews that make Liberty Health Insurance Policy worthy of purchase are extensive coverage of medical expenses. Besides, Liberty Health Insurance Policies also offer benefits encompassing renewal, loyalty perks, and liberal free look options.

Features of Liberty Health Insurance 

Different health insurance plans offered are customizable. Their top-up and super top-up provides liberal options to substantially enhance the sum insured of the base health insurance policy. Among the unique features, which every Liberty Health Insurance Plan can boast of are:

• Sum Insured: The plans come with a range of sum insured options to suit every budget to match the health profile of the policyholder.
• Cover: Liberty Health Insurance Policies cater to a wide range of medical expenses, both in the pre and post-hospitalization period.
• In-patient Expenses: The cover is extensive spread over every conceivable hospital charges like Bed, ICU, Boarding, Consultation, Surgery, OT, Nursing, Physiotherapy, Oxygen, Blood, Diagnostics, Medicines, and Prosthetics.
• Pre-hospitalization: For a period specified in the policy benefit schedule.
• Post-hospitalization: For a period specified in the policy schedule
• Road Ambulance: The amount is limited as specified in the policy schedule.
• Daycare Expenses: Cover for more than 400 daycare procedures where the stay in hospital is less than the customary 24 hours.
• Domiciliary hospitalization: Covered to the extent of 10% of the sum insured.
• Renewal Process: Liberty Health Insurance Renewal is a life-long without any exit age, with an attractive reward of free health check-up for two consecutive annual renewals regardless of the claim in the policy.
• Loyalty Perk: The sum insured is enhanced by 10% for every claim-free year till 100% of the base sum insured.
• Flexi Tenure: The policyholder has the option to choose the policy term of 1 or 2 years.
• Preventive Care: It is aimed to better the health of the policyholder through the following:
• First medical opinion
• Live health talk
• Electronic Medical Record Management (EMRM)
• Fortnightly newsletters.
• Optional Cover: There are a host of optional covers aimed at enhancing the insurance experience include:
• Reload of Sum Insured on exhaustion of the base sum insured due to claims
• AYUSH treatment expenses are covered
• Worldwide coverage is provided in Liberty Health Insurance Plans as specified in the policy schedule.
• Wellness and Assistance Program helps the policyholder through the following:
• Medical consultation
• Medical monitoring and case management
• Emergency Medical Evacuation
• Compassionate visit

Benefits of Liberty Health Insurance

The range of benefits in Liberty Health Insurance Plans offers value for money provisions to the policyholder. Some of the major benefits are listed below:

• Cashless Treatment: The policyholder can avail of cashless treatment in more than 5000+ partner network hospitals.
• Savings Options: Several features offer savings in the premium.
• Family Floater: Up to 10% if 2 or more members are covered in a single policy, 15% for every child and 40% for the entire family with 4 members
• Long Term Policy: For single premium payment, saves between 7.5% and 10% for a 2 or 3-year term respectively
• Loyalty: Existing policyholder can save up to 5%
• Direct Online Purchase: Fetches a saving of 10%, if the policy is purchased online.

**All savings provided by the insurer are as per the IRDAI approval. Standard T&C apply.

• Tax Savings: As per the Income Tax Act, 1961, premiums paid for health insurance in a Financial Year are tax-deductible under Section 80D, up to a maximum of Rs 1 lakh.

**Tax benefit is subject to changes in tax laws.

Types of Liberty Health Insurance Policies:

Liberty Health Insurance Plans are all indemnity type and fully customizable with several variants in specific plans. The types of Health Insurance Policies offered are:

• Indemnity Insurance:
• Health Connect Policy:
  • E-connect
  • Basic
  • Elite
  • Supreme
  • Secure Health Connect
• Top Up:
  • Health Connect Supra

Comparison of Liberty Health Insurance Plans

The policyholder gets an eclectic choice in the range of different Liberty Health Insurance Policies. In such a scenario, it is imperative to compare plans, where the features and benefits are available at a glance to enable the policyholder to make an informed choice when going in for the final purchase.

 Based on Other Parameters

Liberty Health Insurance Plan Explained

Now that the salient features of Liberty Health Insurance Plans are available for view at a glance, it is imperative to learn about them in greater detail, so that any query in the mind of the policyholder is clarified with detailed explanation enunciated below.

Liberty Health Connect Policy

It is a comprehensive health insurance cover designed to provide for all healthcare needs of the policyholder with regard to hospital treatment for medical contingencies. All the plans in this category are eligible for online purchase and renewal.

Health E-Connect

Affordable health insurance plan yet tailored to suit individual preferences, with sum insured options ranging from Rs 3 lakh to 7.5 lakh.

Inclusions:

• In-patient treatment in a hospital as well as Daycare procedures needing stay under 24 hours
• Pre and Post Hospitalization expenses for 30 and 60 days, respectively, matching all hospital medical expenses.
• A daily cash allowance of Rs 500 per day up to 10^th day of hospital stay minus the deductible of 48 hours
• Domiciliary hospitalization limited to 10% of the basic sum insured.
• Organ donor expenses limited to a maximum of Rs 1 lakh.
• Second opinion option for confirmation of disease management plan once during the policy period
• Ambulance charge up to a limit of Rs 1500
• Restoration of basic sum insured up to 100% on the occurrence of another unrelated claim
• Extended policy tenure of uniform 15 days when abroad
• Free health check-up after every two renewals regardless of claim history
• Pre policy medical screening if age exceeds 55 years

Health Connect Basic

A comprehensive plan with a range of sum insured from Rs 2 lakh to Rs 10 

Inclusions:

• In-patient treatment in a hospital as well as 405-day care procedures
• Pre and Post Hospitalization expenditure up to 60 and 90 days
• A daily cash allowance of Rs 500 per day up to 10^th day of hospital stay minus the deductible of 48 hours
• Domiciliary hospitalization cover limited to 10% of the basic sum insured
• Organ donor expenses limited to the basic sum insured
• Second opinion option permitted once during the policy period.
• Ambulance charge up to a maximum of Rs 1500
• Restoration of basic sum insured up to 100% on the occurrence of another unrelated claim
• Extended policy tenure of uniform 15 days when abroad
• Free health check-up on two renewals, regardless of claim history
• Pre policy medical screening if age exceeds 55 years 

Health Connect Elite

It offers various options to choose the sum insured in a range from Rs 3 to Rs 15 lakh with restoration and its auto reinstate benefit. At renewal, there is no reduction of Loyalty Perk which enhances basic sum insured at 10% for each claim-free year up to and as much as 100% of the same. 

Inclusions:

• In-patient treatment in a hospital as well as daycare procedures using modern technology treatment tools
• Pre and Post Hospitalization expenditure incurred up to 60 and 90 days respectively
• A daily cash allowance of Rs 1000 per day payable up to 10^th day of hospital stay minus deductible of 48 hours
• Domiciliary hospitalization for total cover limited to 10% of the basic sum insured
• Organ donor expenses limited to the basic sum insured
• Second opinion option is permitted once during the policy period
• Ambulance charge up to a limit of Rs 2000 for emergency evacuation
• Restoration of basic sum insured up to 100% on the occurrence of another unrelated claim
• Extended policy tenure of uniform 15 days when abroad
• Free health check-up regardless of claim history after two renewals
• Pre policy medical screening if age exceeds 55 years and 50%

Health Connect Supreme

The plan offers sum insured options ranging from Rs 2 to Rs 15 lakh with the usual other benefits thrown in, making it an enticing proposition.

Inclusions:

• In-patient treatment in a hospital and daycare procedures using modern technology treatment tools
• Pre and Post Hospitalization expenses for 60 and 90 days, respectively, for medical expenses during hospitalization including diagnostics and pharmacy
• A daily cash allowance of Rs 1000 per day paid up to 10^th day of hospital stay, less deductible of 48 hours
• Domiciliary hospitalization for total cover limited to 10% of the basic sum assured
• Organ donor expenses limited to the basic sum insured
• Second opinion option for confirmation of disease management plan is permitted once during the policy period
• Ambulance charge up to a limit of Rs 2000 for emergency evacuation
• Restoration of basic sum insured up to 100% on the occurrence of another unrelated claim
• Extended policy tenure of uniform 15 days when abroad
• Free health check-up after every two renewals regardless of claim history
• A lump sum amount of Rs 10,000 is paid as recovery benefit if the hospital stay exceeds continuous 10 days
• Nursing expenses of Rs 500 per day is payable for 30 days in a policy period either at the hospital or home
• Pre policy medical screening if age exceeds 55 years and 50% of the cost is borne by the insurer

Liberty Secure Health Connect Policy

The USP of this plan is that it provides for maximum cover against a minimum premium. In other words, the plan provides value for money features for the benefit of all the policyholders. There are 4 variants under this policy, where the following applies to all of them. 

• Sum Insured: Rs 2 to Rs 15 lakh
• Policy Term: Choice of 1, 2 and 3-year terms
• Option: Individual or Family Floater

Secure Health Connect Basic

Inclusions:

• In-patient treatment with sub-limits in bed and ICU charges
• Cover for 405 Daycare procedures
• Pre and Post Hospitalization expenses for 30 and 45 days respectively but limited to 1% of the sum insured
• Ambulance charge up to a limit 1% of sum insured maximum of Rs 1000
• Cumulative Bonus enhancing sum insured by 10% up to a maximum 50%
• Optional enhanced cumulative bonus up to 100%
• Sub Limits in medical expenses is applicable
• Co-pay at 10% in non-network hospital and policyholders above 60 years in age
• Stay fit perk for maximum of Rs 3000
• Reload of sum insured
• Waiver of sub-limits option

Secure Health Connect Elite

Inclusions:

• In-patient treatment with sub-limits in bed and ICU charges at 1% and 2% of sum insured respectively with amount limit of Rs 5000 and Rs 6000 per day
• Cover for 405 Daycare procedures
• Pre and Post Hospitalization expenses for 30 and 45 days respectively but limited to 1% of the sum insured
• Ambulance charge up to a limit 1% of sum insured maximum of Rs 2000
• Cumulative Bonus enhancing sum insured by 10% up to a maximum 50%
• Optional enhanced cumulative bonus up to 100%
• Sub Limits applicable to medical expenses
• Co-pay at 10% in non-network hospital and policyholders above 60 years in age
• Stay fit perk for Rs 4000 and Rs 5000 based on the sum insured
• Reload of sum insured
• Waiver of sub-limits option

Secure Health Connect Supreme

Inclusions:

• In-patient treatment with sub-limits in bed and ICU charges at 1% and 2% of sum insured respectively, with amount limit of Rs 5000 and Rs 7500 per day
• Cover for 405 Daycare procedures
• Pre and Post Hospitalization expenses for 45 and 60 days respectively but limited to 1.5% of the sum insured.
• Ambulance charge up to a limit 1% of sum insured maximum of Rs 3000
• Cumulative Bonus enhancing sum insured by 10% up to a maximum 50%
• Optional enhanced cumulative bonus up to 150%
• Sub Limits are applicable in medical expenses.
• Stay fit perk for Rs 5000 and Rs 7000 based on the sum insured
• Reload of sum insured
• Waiver of sub-limits option

Secure Health Connect Complete

Inclusions:

• In-patient treatment with sub-limits in bed and ICU charges at 1% and 2% of sum insured respectively, with amount limit of Rs 2500 and Rs 5000 per day
• Cover for 405 Daycare procedures
• Pre and Post Hospitalization expenses for 30 and 45 days respectively without any sub-limits
• A daily cash allowance of Rs 500 per day is payable up to 10^th day of hospital stay minus deductible of 48 hours
• Cumulative Bonus enhancing sum insured by 10% up to a maximum 50%
• Sub Limits in medical expenses
• Co-pay at 10% in non-network hospital and policyholders above 60 years in age
• Stay fit perk for Rs 4000 and Rs 5000 based on the sum insured
• Reload of sum insured
• Waiver of sub-limits option

Liberty Health Connect Supra

Top up option permits enhancement of sum insured at a fractional cost of the base Health Insurance Policy. There are two variants of Top-up and Super Top-up to choose from, as an extension to the base policy.

• Top-Up:

Inclusions:

• Sum Insured from Rs 3 to Rs 20 lakh.
• There are two plan options with deductibles Rs 2 to Rs 10 lakh
• Inpatient Treatment
• Pre hospitalization cover for 30 to 60 days
• Post Hospitalization cover for 60 to 90 days
• Cover for 405-day care procedures
• Optional covers:
• Reload of sum Insured
• AYUSH treatment
• Wellness assistance 

Super Top-Up

Inclusions:

• Sum Insured from Rs 3 lakh to Rs 1 crore
• There are two plan options with deductibles ranging from Rs 2 to Rs 40 lakh
• Inpatient Treatment
• Pre hospitalization cover for 30 to 60 days
• Post Hospitalization cover for 60 to 90 days
• Cover for 405-day care procedures
• Loyalty perk to enhance sum insured up to 100%
• Worldwide coverage

Optional covers:

• Reload of sum Insured
• AYUSH treatment
• Wellness assistance 

Individual Personal Accident Plan

This policy from Liberty General covers the insured for an unexpected situation leading to accidental injuries, death, disability etc. The policy coverage can be extended for self, spouse and dependent children up to the age of 25 years.

Inclusions:

• Accidental Death
• Permanent Total Disability
• Permanent Partial Disability
• Temporary Total Disability due to an Accident

Value-added Cover:

• Child education benefit
• Funeral expenses
• Repatriation of mortal remains

Optional Covers:

• Accidental hospitalisation expenses
• Accidental Hospital Daily Cash
• Family Transportation Benefit
• Loan Protector
• Legal Bail Expenses
• Outstanding Bills Protection Benefit
• Broken Bone
• Life Support Assistance
• Double Indemnity
• Ambulance Transportation Charges
• Child Education Support Benefit

Exclusions of Liberty Health Insurance

 The following exclusions are applicable in all the Liberty Health Insurance Policies across the board.

• The usual initial waiting period is 30 days from the commencement of risk for any hospital treatment, other than an accident
• Specific diseases are excluded for 12 and 24 months, respectively
• The waiting period for Pre-existing disease is a uniform 4 years from inception
• Any substance abuse and intoxication of alcohol and drugs
• Treatment of HIV, AIDS or any sexually transmitted diseases
• Self-inflicted injury or attempted suicide
• Treatment considered as cosmetic surgery
• Hospitalization due to acts of war, nuclear and radioactive perils or any chemical or biological contamination

Eligibility Criteria Based on Age 

The first step is to check for the eligibility norms so that the policyholder is able to ascertain the suitability of the chosen plan.

How to Buy Liberty Health Insurance Policies? 

The best option to buy Liberty Health Insurance Policies is online at user-friendly portals of aggregators such as Paisawiki.com, official portal of the insurer or any of the branch offices. However, the purchase can be completed in a few simple steps with Paisawiki.com, which are defined below:

• Invoke the “Buy Online” Button in the home page of Paisawiki.com
• Get a quote by entering mandatory data for Name, Mobile number, Email, PIN Code, Policy Type – whether Individual or Family Floater, Number of Adults and Children, Annual Income and select any pre-existing disease if  Yes, from a Drop Down List and Submit.
• Choose the Plan and Variant with Optional covers.
• Receive the Personalized Quote and Accept.
• Fill the Proposal form completely and submit.
• Upload requisite documents in digital format.
• Make Payment at the secure gateway from the available options
• The purchase process is over here.
• Await the receipt of Policy Document, subject to compliance of other requirements if any.

*It is to be noted that Standard T&C Apply

Documents Required to Buy Liberty Health Insurance

The list of documents defined for Liberty Health Insurance Plans is categorized for Purchase and Claim processing. They are not exhaustive, and the insurer may ask for specific documents if warranted.

Purchase

• Identity proof
• Age proof
• Residence / address proof
• Income proof

 Claim for Hospital and Daycare Treatment

• Duly signed claim form
• ID card and copy of the Policy Document
• Discharge Summary
• Original hospital / daycare treatment bills with breakup of expenses
• Original of bill payment receipt
• Hospital requisition slips
• Attending Doctors notes and Certificates
• All prescriptions
• Original Investigation / Diagnostic Reports, Plates, films, etc.
• Original Pharmacy bills and Cash Memo
• Surgeons Certificate
• Hospital Registration and PAN Details

Other Claims

• Additional documents over and above sought for In-patient treatment. 

Road Accidents

• Copy of FIR
• Copy of Medico-Legal Certificate

Non Medico-Legal

• Treating Doctor’s Certificate with details of injuries

Accidental Death Cases

• Copy of Post Mortem Report
• Death Certificate 

Other Death Cases

• Original Death Summary of the Hospital
• Copy of Legal Heir Certificate
• Death Certificate

Renewal Process for Liberty Health Insurance Plan 

The popular mode of Liberty Health Insurance Renewal is through the online mode at the aggregator. The basic steps to follow are:

• Visit the website Paisawiki.com and go to the renewal option.
• Input sought are the Policy Number and the Date of birth of the insured.
• A fresh page is opened with policy details and premium amount.
• Make digital payment through the available options in the secure gateway.
• Download the Renewal Acknowledgement and preserve for future reference

FAQs About Liberty Health Insurance