Liberty Health Insurance Benefits

Liberty Health Insurance

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Highlights

5,000+ Network Hospitals

50,692 Policies Issued

82% Incurred Claim Ratio

Lifelong Renewability

82.13%+ Claim Settlement Ratio

Dedicated Claim Settlement

Coronavirus (COVID-19) Cover

Benefits of Liberty Health Insurance

Liberty General Insurance (LGI) is an award-winning general insurance company, based in Mumbai, India. Founded in 2013,  it is partnered with Liberty Citystate Holdings PTE Ltd., DP Jindal Group and Enam Securities. It provides a wide range of insurance products for health, accident, cars, bikes, marine, and so on.

Within a short span of time, Liberty General Insurance has managed to operate its operations through 60 offices in 58 cities across 23 states. Besides, it provides cashless treatment in 5,000+ network hospitals across the country and serves customers at more than 3,100 auto service centres. The health insurance plans of the company have been designed to provide policyholders with extensive coverage in terms of medical expenses, subject to the coverage specified in the policy wordings.

Some of the key health insurance benefits include a free health check-up after 2 years of continuous policy renewal, a free look period of 15 days, 10% increment in the Basic Sum Insured for every claim-free year.

  • Additional Benefit of Free Health Check up

    LGI rewards policyholders with a free health check-up after 2 years of continuous policy renewal regardless of the claims made under the policy.
  • Additional Protection over Employer Coverage

    The health insurance policies of LGI provide additional protection over employer coverage. In general, in the health policy provided by an employer, benefit is available only for salaried people with limited coverage options. Also, some diseases and illnesses are not covered. In contrast, the health policies of LGI cover the entire family members, including parents and with increased coverage benefits.
  • Cashless Benefit

    In a medical emergency, paying hospital bills is one of the most critical parts. With the cashless treatment at all network hospitals in India, you won’t meet the stress of the financial crisis.
  • Claim Settement Ratio

    The claims settlement ratio (CSR) is the number of claims raised divided by the number of claims that have been resolved. If an insurance company has received 100 claims annually and resolved 50 claims, then the CSR is 50%. CSR of Liberty General Insurance is 91%+*. *The claims settlement ratio changes from time to time.
  • Coverage against Medical Expenses

    The health insurance policies of Liberty General Insurance provide extensive coverage against medical expenses, such as inpatient treatment, daycare procedures, pre and post-hospitalisation, organ donor, domiciliary treatment, ambulance charges, etc.
  • Incurred Claim Ratio

    Incurred Claims Ratio (ICR) means net earned premium. For example, if ICR of an insurer is 90%, it means for every Rs.100 earned as premium, the company has spent Rs. 90 on the claims settled. Hence, Rs. 10 is the profit of the insurance company. ICR of Liberty General Insurance as per the IRDA 2018-2019 report is 82%*. It indicates the company has earned good profits, which has helped it strengthen the company’s finances. *ICR changes from time to time.
  • Tax Benefit

    The premiums paid against health insurance policies let you enjoy tax benefits under 80D of the Income Tax Act.

Liberty Health Insurance Plan List

Name of PlanSum Insured
Liberty Health ConnectMin: 91 Days; Max: 65 Years2 Lakh Get Quotes Now
Secure Health ConnectMin: 91 Days; Max: 65 Years2 Lakh Get Quotes Now
Corona Kavach PolicyMin: 1 Day; Max: 65 Years50,000 - 5 lakh Get Quotes Now

Liberty Health Insurance Top Up List

Name of PlanSum Insured
Health Connect SupraMin: 91 Days; Max: 65 Years3 Lakh Get Quotes Now

Liberty Health Insurance User Reviews

  • Good insurer..

    Liberty General is a good and reliable insurer. My friend suggested to me its Liberty Health Connect plan which I purchased easily from InsuranceDekho...

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    R
    Raghav Sharma
    On: Jun 04, 2020 | Views
  • Liked the team efforts by InsuranceDekho

    The team at InsuranceDekho took the initiative in explaining to me everything about health insurance as I was really new to this concept. I bought Lib...

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    P
    Pinki Khushwaha
    On: Jun 02, 2020 | Views
  • Quick services

    Insurance Dekho’s services are not only quick, but also require lesser paperwork as compared to agents. I liked my Liberty General’s Liber...

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    P
    Prateek Suri
    On: May 30, 2020 | Views
  • Great Website

    I am very much satisfied with this health insurance plan from Insurancedekho. Good job team! My Kotak General health insurance provides the best plan ...

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    A
    Ashwani Tiwari
    On: May 29, 2020 | Views
  • Easy Online Payments

    It had been a good experience with InsuranceDekho so far, I had bought a Liberty General insurance plan online and it had been easy since then. The me...

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    S
    Sunny Prajapati
    On: May 28, 2020 | Views
  • Option of buying online

    I preferred agents until I learned about InsuranceDekho’s services from a colleague. I purchased Liberty General’s Secure Health Connect p...

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    B
    Bhuvan Thukral
    On: May 26, 2020 | Views
  • good product.

    I am satisfied with Liberty general's individual policy that I purchased recently.

    N
    Nithin
    On: Apr 03, 2020 | Views
  • Happy with this policy

    I was looking for a policy providing hospital daily cash amount. Thanks to insurancedekho for their suggestion of this policy. I also liked this plan ...

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    D
    Dilawar Singh
    On: Feb 29, 2020 | Views
  • Good way to increase coverage

    I came to know about this policy around a month back. While talking to insurancedekho experts, i knew this was the one for me to increase my health co...

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    S
    Suresh Gupta
    On: Feb 28, 2020 | Views
  • Nice first experience with liberty

    I want to thank insurancedekho for giving me suggestion of this plan. I will recommend it to others also because it is wide coverage and at low premiu...

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    L
    Lok Pal Singh
    On: Feb 27, 2020 | Views

Liberty Health Insurance Contact Details

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Liberty Health Insurance FAQs

  • How to buy and apply for the health insurance policy of Liberty General Insurance?

    You can buy and apply for health insurance policies online from the official website of Liberty General Insurance or through the online broker’s website like InsuranceDekho.

  • What are the coverage benefits under health insurance policies of Liberty General Insurance?

    The health insurance policies of Liberty General Insurance come with extensive coverage benefits, such as pre and post-hospitalisation, inpatient treatment, daycare treatment, ambulance charges, and much more. 

  • Is the Second Opinion option available under the policy of Liberty General Insurance?

    Yes, Liberty General Insurance offers the Second Opinion benefit under one of its policies, which is Liberty Health Connect.

  • Does Liberty General offer any family floater policy?

    Yes, Liberty General offers a family floater policy by the name of Liberty Health Connect. This plan is also available on an individual basis. 

  • Who is the third-party administrator (TPA) of Liberty General Insurance?

    Vipul Med Corp is the Third Party Administrator (TPA) of Liberty General Insurance. The company strives for the quick and hassle-free claims process.

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