Liberty General Health Insurance Plans

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.