Liberty Health Insurance FAQs

Following are the advantages of purchasing a family floater policy from Liberty General Insurance-

• A single sum insured for all the family members
• Single premium is payable for the entire family
• The sum insured amount can be used by any member of the family for any number of times
• Keeping a track of renewals for different members is not required. Only a single renewal date has to be remembered

Maximum 4 people can be covered under family floater policy in the combinations of 2 Adults, 2 Adults+1 Child, 2 Adults+2 Children, 1 Adult+1 Child, 1 Adult+2 Children, and 1 Adult+3 Children. 

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

The Liberty General Insurance’s health insurance policies are valid for 1 year, 2 years and 3 years depending on the policy you purchase. After that, the policy can be renewed.

Yes. Liberty General Insurance offers lifelong renewability facility under its health insurance policies. 

Yes. Liberty General Insurance rewards you with a free medical health check-up after every 2 years of continuous policy renewal irrespective of the claims made under the policy. 

Liberty General Insurance provides a free look period of 15 days to the policyholders. 

According to IRDAI’s Annual Report, Liberty General Insurance has sold 24,728 policies in the year 2017-2018. 

The Incurred Claim Ratio of Liberty General according to the IRDAI’s Annual Report for the year 2017-2018 is 74.58%.

Liberty General Insurance has more than 4,000 network hospitals. 

You can check your policy status online by visiting the official website online and filling in the required information there. You can even get in touch with the customer care executives at InsuranceDekho who are at your service for any health insurance-related grievance. 

You can contact Liberty General Insurance through their toll free number 1800-266-5844. You can even write to them at care@libertyinsurance.in or visit their nearest branch. 

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.

Yes, Liberty General Insurance offers several individual-based health insurance policies. For more details, dial 1800-120-5698. 

The minimum and maximum entry age for health insurance plans for individuals are 91 days and 65 years respectively. 

Sum insured options under individual health insurance plans range from Rs. 2 Lakh to Rs. 15 Lakh. 

Yes. Kids-centric health insurance plans offered by Liberty General Insurance provide cover for daycare procedures. 

The age criteria for dependent children ranges from 91 days to 25 years. 

Kids-centric health insurance plans are available with policy term options for 1 year, 2 years, and 3 years. 

Yes. Liberty General Insurance offers discounts if the policy is purchased on a family floater basis covering parents. 

The sum insured options under the parents-centric health insurance plans of Liberty General Insurance range from Rs. 2 Lakh to Rs. 15 Lakh. 

Yes. Liberty General Insurance provides cover for 405 daycare procedures under its parents-centric health insurance plans.  

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. 

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

Yes. Liberty General Insurance provides cover for pre and post-hospitalisation under its health insurance plans.  

The following expenses are covered under in-patient hospitalisation expenses-

• Room, boarding charges
• Nursing expenses
• Intensive care unit bed expenses
• Doctor’s fee
• Surgical fees, operation theatre charges, anesthetist, anesthesia, blood, oxygen and their administration, physical therapy
• Prescribed drugs and medicines 
• Laboratory, x-ray, diagnostic tests expenses
• Dressing, ordinary splints, plaster casts, etc.
• Prosthetic and other devices’ expenses

Yes, Liberty General Insurance provides the portability option.

Health insurance portability is a right that a policyholder gets to transfer the credit gained in case he/she switches from one insurer to another.

You can make a request for health insurance portability at the time of policy renewal.

Yes. You get your credits earned for the pre-existing conditions and time-bound exclusions, but only if the previous policy has been maintained without a break. 

Yes. The premium paid for Liberty General Insurance’s health insurance plans qualifies for deduction under Section 80D of the Income Tax Act, 1961. 

If you cancel your policy with Liberty General Insurance, then the premium for the period at stake will be retained and the balance will be refunded. However, if a claim is notified or settled under a policy, then no refund shall take place. 

It’s very simple! You can pay the premiums in cash or by using online or digital payment gateways.

Premium up to Rs. 25,000 is exempted for self, spouse, and children.

A deduction of Income Tax of Rs. 25,000 is allowed if parents are covered. If parents are Senior Citizens (aged at least 65 years), then the exemption amount increases up to Rs. 30,000.

Liberty General Insurance offers three modes of premium payment to the customers-

• Cash payment at the branch
• Credit card or Debit card
• Net Banking

A deduction of Income Tax of Rs. 25,000 is allowed if parents are covered. If parents are Senior Citizens (aged at least 65 years), then the exemption amount increases up to Rs. 30,000.

You can renew the policy online or can visit your nearest branch to renew your Liberty General Insurance policy. You can also seek assistance for renewal from our customer care executives at InsuranceDekho by dialing toll-free number 1800-120-5698.  

Yes, you’re eligible for tax benefits irrespective of which health insurance policy of Liberty General Insurance you purchase. The tax benefit is applicable as per section 80D of the Income Tax Act 1961.

Yes. Premiums paid for health insurance policies of Liberty General Insurance are eligible for tax benefits.
 

You can enjoy tax benefits on the premium paid for health insurance plans by Liberty General Insurance under Section 80D of the Income Tax Act, 1961. 
 

No. To avail tax benefits, you must pay the health insurance premium for Liberty General’s health insurance plans in any mode other than cash. 

The minimum and maximum entry age for top-up plan offered by Liberty General Insurance is 91 days and 65 years respectively. 

Yes. 405 daycare procedures are covered under the top-up plan offered by Liberty General Insurance.

Yes. Liberty General Insurance offer its customers a top-up plan named Health Connect Supra.

The sum insured options for the top-up plan starts at Rs. 3 Lakh and goes up to Rs. 20 Lakh. 

Women get the following preventive healthcare benefits under health insurance plans by Liberty General Insurance-

• First medical opinion
• Live health talk
• Electronic Medical Record Management
• Fortnightly newsletters

One of the major factors that decide health insurance premium for women is AGE. Other factors include pre-existing diseases, sum insured opted, policy tenure etc. 

There is no maximum limit other than the sum insured under women-centric health insurance plans offered by Liberty General Insurance.