Liberty Health Connect Policy

What is the Plan all About?

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 & your family.

3 Plan Variants can be opted under this plan:

Basic Plan
Elite Plan
Supreme Plan

Each plan variant has its own Sum Insured options and other benefits to choose from.

Key Features

Enjoy restoration of sum insured
Get a second opinion under this plan
Unique loyalty perk benefits
Grab family discount & multi-year policy discount
Cost of pre-policy medical check-up is covered
Assured lifetime renewability
Get cashless hospitalization across 3300 network hospitals

Policy Benefits

In-patient hospitalization expenses, including room rent, boarding & nursing expenses, ICU charges, and other related expenses are covered.
Pre hospitalization expenses are covered for 60 days before hospitalization and post hospitalization expenses are covered for 90 days after hospitalization.
140 Day Care Procedures/Surgeries are covered, for which the insured person requires hospitalization for less than 24 hours.
Domiciliary hospitalization expenses are covered up to 10% of the basic sum insured.
Daily Hospital Cash is paid up to Rs 500 per day for Basic plan and Rs 1000 per day for elite and supreme variant of the plan. This daily allowance benefit is paid up to 10 days of continuous hospitalization, subject to minimum of 48 hours of continuous hospitalization.
Medical expenses incurred for an organ donor’s treatment are covered upto the basic sum insured limits.
Get Recovery Benefit as a lump sum amount, if hospitalization exceeds 10 days. In case of family floater, all members of the policy can avail this benefit, irrespective of the number of occurrences during a policy period, up to the limit of the basic sum insured. This benefit is applicable upon choosing Supreme plan.
Nursing allowance is paid on a daily basis up to 30 days in a policy period. This daily allowance is mentioned in the schedule of benefits. This benefit is applicable upon choosing Supreme plan variant.

Value Added Benefits

Restoration of 100% of the basic Sum Insured. This benefit is applicable upon choosing Elite & Supreme plan.
Free health check-up for each insured member is available after every 2 policy renewals, irrespective of the claims history.
With Loyalty Perk benefit or no claim bonus, there is an auto increase in sum insured by 10% of the basic sum insured, up to a maximum of 100%.
Change in Plan and/or enhancement in Sum Insured, subject to approval by the company.
No pre-policy medical check-up is required up to 45 years of age.
Policy tenure is extended, in case you are out of the country for a period exceeding 15 continuous days.
Ambulance Charges are covered as for shifting the insured person to the nearest hospital.
Avail Second Opinion to gain more knowledge about your health condition and treatment options.

Sub Limits

Domiciliary hospitalization up to 10% of the basic sum insured.
Loyalty Perk benefit up to 10% of the basic sum insured.
Daily Hospital Cash is paid up to Rs 500/1000 per day, as per plan chosen.

Waiting Period Clause

Initial Waiting Period: Claims arising during first 30 days of the policy start date, except accidental claims.
Specific Waiting Period: Some treatments such as ENT Disorders, Cataract, Hydrocele, Hernia, Hysterectomy, etc. are covered after 1 year from the inception date of the policy. Other treatments such as Diabetes, Hypertension, Coronary Artery Disease, etc. are covered after 2 years from the inception date of the policy.
Pre existing Disease Waiting Period: Any pre-existing disease until 2 years for Supreme plan, 3 years for Elite plan, 4 years for Basic plan. All specified pre-existing diseases are covered after completion of such waiting period.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 18 Years, Children: 91 Days	Adult: 65 Years, Children: 25 Years
Sum Assured	2 Lacs	15 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	2 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-