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Liberty General Health Insurance Plans

Company Overview

Commenced operations in the year 2013, Liberty General Insurance is a joint venture of Liberty Citystate holdings PTE Ltd (a subsidiary of US based Liberty Mutual Insurance Group), Enam Securities (privately owned principal investment group), & DP Jindal Group (an industrial conglomerate). Liberty General Insurance started its business with an aim of providing customized solutions for private, commercial and industrial insurance.

The Latest Claim Settlement Ratio of the company for the year 2018-19 is 73%.

Key Points of Liberty Health Insurance

Policy Renewability

Lifetime

Health Cover

Individual & Family Floater

Network Hospitals

5000+ Hospitals

Claims Ratio

73%

Free Health Checkup

Yes

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Snapshot Of Liberty Health Insurance Plans

Plan Name Plan Type Min/Max Age Min/Max SI Availability Plan Tenure
Liberty Health Connect Policy Individual/Family Floater Adult: 18 years– 65 years
Child: 91 days – 25 years
Min SI: 2 Lakh
Max SI: 15 Lakh
Offline Min: 1 year
Max: 2 years
Hospi Cash Connect Policy Individual/Family Floater Adult: 18 years– 65 years
Child: 91 days – 25 years
Min SI: 2 Lakh
Max SI: 10 Lakh
Offline Min: 1 year
Max: 3 years
Liberty Health Connect Supra Individual/Family Floater Adult: 18 years– 65 years
Child: 91 days – 18 years
Min SI: 3 Lakh
Max SI: 100 Lakh
Online Min: 1 year
Max: 3 years
Liberty Secure Health Connect Policy Individual/Family Floater Adult: 18 years– 65 years
Child: 91 days – 25 years
Min SI: 2 Lakh
Max SI: 15 Lakh
Online Min: 1 year
Max: 3 years

Reasons for buying Liberty Health Insurance Plans

In this era of inflation, medical inflation is more than the usual inflation. Providing an adequate health cover for your family is always on the top priority. Liberty General offers a host of health plan that help you choose from flexible benefits to suit your healthcare needs.

Main USP’s of Liberty General Health Insurance Plans are:

  • Get cashless treatment across 5000 network hospitals
  • Avail Loyalty perk benefits
  • Grab premium discount
  • Cost of pre-policy medical check-up is covered
  • Enjoy wellness program benefits
  • Avail Lifelong renewability
  • Portability option is available

Key Benefits of Liberty Health Insurance Plans

  • Expenses incurred during in-patient hospitalization are covered for room rent charges, ICU charges, boarding & nursing expenses, OT charges, medicines, etc.
  • Pre hospitalization expenses incurred before hospitalization are covered for 60 days
  • Post hospitalization expenses incurred after hospitalization are covered for 90 days
  • Listed day care procedures or surgeries are covered
  • Domiciliary hospitalization expenses are covered
  • Medical expenses related to organ donor’s treatment are covered
  • Recovery Benefit is payable
  • Nursing daily allowance is paid
  • Special care benefit upon undergoing one of the listed surgeries
  • Daily Hospital Cash is payable, as specified under the plan chosen
  • Tax benefits are applicable for the premiums paid under section 80D of the Income Tax Act, 1961

Value Added Benefits under Liberty Health Insurance Plans

  • Get 100% restoration of the basic sum insured
  • Avail Free health check-up after every 2 policy renewals
  • Auto increase in sum insured through loyalty perk benefit or no claim bonus
  • Enhancement in Sum Insured
  • No pre-policy medical check-up up to 45 years of age
  • Extension of policy tenure, in case you are abroad
  • Ambulance charges are covered
  • Avail Second Opinion to know about your health condition
  • Cover pre- existing disease after first renewal for 3 year policy term

(Note: The health plan benefits, features, specifications may differ from one to another)

Liberty Health Insurance Coverage

Liberty general insurance comes with the health insurance plans that offer extensive coverage towards medical expenses. You need to pick a right health cover that will help to meet the hospitalization expenses. You can choose a comprehensive cover that will make sure to get access to quality healthcare without worrying about medical expenses.

Liberty Health Insurance Claim

When looking to get health insurance claim from Liberty general insurance, you can choose either cashless claim or reimbursement claim.

Cashless Claim: The cashless hospitalization can be availed, when you are hospitalized with the listed network hospitals of liberty general insurance. Before buying a health insurance policy, you must check that there are advanced network hospitals located close to your location so you can take medical assistance when you need it.

For planned hospitalization, you need to intimate the insurance company through pre-authorization form 48 hours before the hospitalization. In the event of immediate hospitalization, you should get the approval within 24 hours of hospitalization. On submission of required documents, the insurance company will pay the medical bills directly to the hospital.

Reimbursement Claim: When you are hospitalized with a non-network hospital, Liberty general will reimburse for the medical expenses arising from hospitalization. To get reimbursement of the health expenses, you need to submit the medical bills and other required documents to the insurance company.

Documents to be submitted for Claims

The following documents need to be submitted with the liberty health insurance claim form.

  • First doctor’s prescription
  • Hospital bills
  • Related treatment prescriptions
  • Diagnostic reports
  • Discharge from hospital
  • FIR copy, if any
  • Patient’s identity card
  • Copy of health card

Calculate Liberty General Health Insurance Premium

With Liberty Health Insurance, you will get coverage to meet the hospitalization expenses up to the cover available under the plan chosen. To choose a health cover, you are required to pay a stipulated premium to the insurance company. Before buying a health plan from Liberty General, you can easily check the premium through health insurance premium calculator. With the help of premium chart, you can also identify the premium amount for a particular health coverage.

Liberty Health Insurance Review

Liberty General Insurance Ltd offers the customized set of health plans, considering the healthcare needs of all the buyers. You can choose from individual or family health insurance plans to ensure every member in your family is covered against unforeseen medical exigencies. Liberty general offers several other benefits like restoration of sum insured, free health checkup, daily hospital cash, second medical opinion, etc. depending on the plan chosen. You can also opt for additional covers that will enhance coverage and meet your healthcare needs.

Liberty Health Insurance- FAQ’s

  • How to pay the policy premium?

Liberty health insurance offers two different modes of premium payment:

Online Payment: For paying premium via online mode, you have the option to pay through credit card, debit card & net banking.

Cash payment at branch: You need to visit the Liberty Insurance branch and pay the premium amount in cash.

  • How can I check the status of Liberty health insurance policy?

By logging to Liberty Insurance website, you can check the policy status online by entering the required details such as policy number, date of birth, etc.

  • What is the policy renewal process of Liberty health insurance?

To renew a health insurance policy, you need to visit the website of Liberty General Insurance. On the insurer’s website, you can calculate the premium amount and go ahead for the payment. The policy gets renewed instantly, as soon as you pay the premium amount.

  • What is the process of Liberty insurance to settle the health insurance claims?

To settle your health insurance claims, firstly you are required to intimate the insurance company by filling the claims form and provide other relevant documents. After receiving acceptance of claim-related documents from the insurance company, claim will be settled within a time duration as specified by the insurer.

  • Is there any tax benefit on Liberty General health insurance plans?

The premium amount you pay for covering you & your family under liberty health insurance plan is considered for tax benefit under section 80D of the Income Tax Act 1961.

Claim Form

Click here to download the Claim Form.

List of Liberty Health Insurance Plans

1. Liberty Health Connect Policy

Liberty Health Connect Policy covers medical expenses incurred due to illness or injury requiring in-patient hospitalization. This health plan provides a comprehensive health coverage for you & yo ... Read more

2. Liberty Hospi Cash Connect Policy

Hospi Cash Connect Policy from Liberty General helps you take care of the increased financial burden or unpaid expenses during hospitalization. This health policy provides daily hospital cash, so get ... Read more

3. Liberty General Health Connect Supra

Health Connect Supra offers additional cover to your existing individual or family health insurance. It works as an extension to your existing Health Insurance Policy to provide a larger coverage for ... Read more

4. Liberty Secure Health Connect Policy

Secure Health Connect Policy offers comprehensive coverage to take care of your hospitalization expenses. There is an option to enhance coverage through the cumulative bonus. You can choose from vario ... Read more