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Liberty Health Insurance Benefits

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Liberty Health Insurance
Highlights
Claim Settlement Ratio97%
Starting Premium of Rs. 5 lakhs SIRs. 526/month
Pre-existing Disease Waiting Period2 years
Network Hospitals6,000

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Benefits of Liberty Health Insurance

Liberty General Insurance (LGI) is an award-winning general insurance company, based in Mumbai, India. 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.

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  • 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 Settlement 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 for FY 2019-20 is 81.03%*. *The CSR 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.
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Disclaimer : Actual Coverage might vary basis your location, age and number of members

Key Features of Liberty Critical Illness Health Insurance Plan 

Let us look at some of the prominent features of Liberty critical illness plan:

  • This critical illness cover protects the policyholders all throughout from the diagnosis to the recovery of the life-threatening disease.
  • Under this plan, the policyholders get a lump sum payment on getting diagnosed with one of the listed critical illnesses. It also compensates for the loss of income of the individual.
  • This plan provides coverage for two subsequent critical illnesses and continues even after the payment of 100% of the sum assured.
  • HIV/AIDS-related coverage is also offered to the policyholders
  • Wellness services are provided to the policyholders for their well-being.

This critical illness plan comes with a lot more features and benefits for its policyholders that can be availed at the time of the claim settlement process. You must carefully read your policy terms to understand the inclusions and exclusions of the policy cover.

Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

Liberty Health Insurance Top Up List

    Name of PlanSum Insured
    Health Connect SupraMin: 91 Days; Max: 65 Years3 Lakh Check Premium
    Individual Personal Accident PolicyMin: 18 years; Max: 70 years1 Lakh - 1 Crore Check Premium

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    Liberty Health Insurance User Reviews

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    107 User reviews
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    • Critical Illness
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    Claim Process at Liberty Health Insurance

    • Network Hospital
    • Non-Network Hospital
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
    • 3

      Claim Processing

      Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
    • 4

      Claim Settlement

      Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
    • 3

      Claim Processing

      Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
    • 4

      Claim Settlement

      Once your request for reimbursement of expenses is approved, the claim will be settled.

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    FAQ About Liberty Health Insurance

    • 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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