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Liberty Health Insurance FAQs

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Claim Settlement

  • 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.

  • Does the company provide cashless claim facility to the policyholders?

    Yes, the company provides the cashless claim facility to the policyholders at the network hospitals.

  • How much time in advance should I inform the company to seek cashless facility in planned and emergency situation?

    To avail cashless facility in planned and emergency situation, you must inform the company within 48 hours and 24 hours of hospitalisation respectively.

  • What is the Claim Settlement Ratio (CSR) of Liberty General Insurance for FY 2019-20?

    The Claim Settlement Ratio (CSR) of Liberty General Insurance for FY 2019-20 is 81.03%.

Family

  • What are the benefits of a family floater plan by Liberty General Insurance?

    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

  • How many members can be covered under the family floater policy of Liberty General Insurance?

    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.

  • 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 should buy the Liberty family health insurance plan?

    Liberty family health insurance plan is most suitable for someone who wants to get affordable health insurance coverage for themselves and their families. The plan can be bought by people aged between 18 years and 65 years.

  • Can I change the sum insured during Liberty family health insurance tenure?

    Yes. You can change the sum insured of your Liberty family health insurance plan at the time when policy is due to renewal. But note that if the policy is lapsed, then it cannot be renewed and you will also not be able to change the sum insured.

  • What is the advantage of Liberty family health insurance?

    Liberty family health insurance policy offers several advantages to the policyholders, some of which are-lifetime renewability benefit, free health check-up after the policy gets renewed continuously for 2 years, sum insured restoration if it gets exhausted, no co-payment, no room rent capping, and discounts on premiums.

  • What does Liberty family health insurance plan cover?

    Liberty family health insurance policy covers you for several healthcare expenses such as in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, road ambulance expenses, domiciliary hospitalisation expenses, second medical opinion, organ transplantation expenses, etc.

  • Does Liberty family health insurance policy offer tax deductions?

    On the premium paid for Liberty health insurance policy, you can avail tax deductions under Section 80D of the Income Tax Act, 1961. You can avail tax benefits if the premium is paid in any mode other than cash.

Feature

  • How long are the health insurance policies valid for?

    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.

  • Does Liberty General Insurance provide lifelong renewability facility under its health insurance policies?

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

  • Does Liberty General provide any renewal benefit to the policyholders?

    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.

  • For how many days is the free look period provided by Liberty General Insurance?

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

General Information

  • How many network hospitals does Liberty General Insurance have?

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

  • How many policies has Liberty General Insurance sold in the previous year?

    According to IRDAI’s Annual Report, Liberty General Insurance has sold 50,692 policies in the year 2018-19.

  • What is the Incurred Claim Ratio (ICR) of Liberty General Insurance?

    The Incurred Claim Ratio of Liberty General according to the IRDAI’s Annual Report for the year 2018-19 is 82%.

Help to Buy

  • How can I check my policy status with Liberty General Insurance?

    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.

  • How can I contact Liberty General Insurance?

    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.

  • 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.

Individual

  • What is the entry age for individual health insurance plans offered by Liberty General Insurance?

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

  • Does Liberty General Insurance offer any individual-based policy?

    Yes, Liberty General Insurance offers several individual-based health insurance policies. For more details, dial 7551-196-989.

  • What is the sum insured options under individual health insurance in Liberty General Insurance?

    Sum insured options under individual health insurance plans range between Rs. 2 lakh to Rs. 15 lakh.

  • Can I change the sum insured during Liberty individual health insurance tenure?

    Yes. If covered under Liberty individual health insurance plan, you can change the sum insured at the time of policy renewal if you are not satisfied with it.

  • What is the advantage of Liberty individual health insurance?

    Liberty individual health insurance plan offers several advantages to the insured like lifetime renewability benefit, portability benefit, no co-pay, no sub-limits of any type, but unique loyalty perk benefit, no room rent capping, 50% cost of pre-policy medical check up borne by the insurer if the insured is aged below 55 years, and free health check-up after 2 years of continuous policy renewal.

  • What does Liberty individual health insurance plan cover?

    Liberty individual health insurance plan covers you for pre-hospitalisation and post-hospitalisation expenses, in-patient hospitalisation expenses, organ donor expenses, emergency road ambulance expenses, second medical opinion, etc.

  • Does Liberty individual health insurance policy offer tax deductions?

    Yes. If covered under Liberty General’s individual health insurance plan, you can avail tax benefits under Section 80D of the Income Tax Act 1961. To avail tax, you must pay the premium in any mode other than cash.

  • Who should buy a Liberty individual health insurance plan?

    Liberty individual health insurance plan is a good option for single individuals whose family is already insured, individuals with higher risk, and those who are not satisfied with the health insurance plans offered by their employers.

Kids

  • Are daycare procedures covered under kids-centric health insurance plans by Liberty General Insurance?

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

  • What is the age criteria to add kids in a health insurance plan?

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

  • What is the policy terms options for kids-centric health insurance plans offered by Liberty General Insurance?

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

  • Who should buy Liberty kids health insurance plan?

    Liberty health insurance plan for kids covers children if either or both the parents are covered under the policy. It offers several coverage benefits to the insured members, at affordable premiums. Anyone who is looking forward to availing those benefits should opt for this policy.

  • Can I change the sum insured during Liberty kids health insurance tenure?

    Yes. Liberty General Insurance gives you the flexibility to change the sum insured of the policy in case you are not satisfied with the existing one and want more. You can change the sum insured at the time of policy renewal.

  • What is the advantage of Liberty kids health insurance?

    Liberty kids health insurance plan offers lifetime renewability benefit, Cover for children up to 25 years if they are financially dependent on parents, wide range of sum insured options between Rs. 3 Lakh and Rs. 15 Lakh, restoration of sum insured benefit, etc.

  • What does Liberty kids health insurance plan cover?

    Liberty kids health insurance plan offers cover for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, road ambulance expenses, organ transplant expenses, domiciliary hospitalisation expenses, second medical opinion, cover for family members, etc.

  • Does Liberty kids health insurance policy offer tax deductions?

    Yes. On the premium paid for Liberty health insurance plan for kids, you can avail tax benefits under Section 80D of the Income Tax Act, 1961. You can avail the benefit if the premium is paid in any mode other than cash.

Parents

  • Is there any discount offered under health insurance plans for parents?

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

  • Are daycare procedures covered under health insurance plans for parents?

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

  • What are the sum insured options provided under health insurance plans for 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.

  • Who should buy Liberty parents health insurance plan?

    Liberty parents' health insurance plan should be purchased by parents or senior citizens who want to get extensive health insurance coverage in their old age.

  • Can I change the sum insured during Liberty parents health insurance tenure?

    Yes. If covered under Liberty health insurance plan for parents, you can change the sum insured during the policy term.

  • What is the advantage of Liberty parents health insurance?

    Liberty health insurance policy for parents comes with several advantages. These include sum insured options ranging between Rs. 2 Lakh to Rs. 15 Lakh, facility to pay premium in instalments, flexible policy terms for 1 year, 2 years, 3 years, automated perks on every block of two claim-free years, different variants fulfilling different requirements of individuals.

  • What does Liberty parents' health insurance plan cover?

    Liberty health insurance plans for parents cover you for in-patient hospitalisation expenses, daily hospital cash benefit, daycare benefits, pre-hospitalisation and post-hospitalisation expenses, emergency ambulance expenses, etc.

  • Does Liberty parents' health insurance policy offer tax deductions?

    Yes. Liberty parents’ health insurance plans offer tax deductions under Section 80D of the Income Tax Act, 1961. There are different slabs for tax benefits offered to different individuals, of which senior citizens can avail the maximum benefit.

Plan Coverage

  • 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.

  • Are pre and post-hospitalisation expenses covered under health insurance plans provided by Liberty General Insurance?

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

  • What all is covered under in-patient hospitalisation expenses under health insurance policies by Liberty General Insurance?

    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

Portability

  • Does Liberty General Insurance provide the portability facility?

    Yes, Liberty General Insurance provides the portability option.

  • What is health insurance portability?

    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.

  • When can I port from one health insurance policy to another?

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

  • Do I get my accumulated credits if I port from one health insurance policy to another?

    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.

Premium

  • Will I get the refund of premium if I cancel my policy?

    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.

  • How much premium is exempted from Income Tax if a policy covers self, spouse and children?

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

  • How much premium is exempted from Income Tax if a policy covers parents or senior citizens too?

    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.

  • How do I pay the premiums for my health insurance policy?

    Paying health insurance premium online is very simple. All you need to do is fill a quote at InsuranceDekho, select the most suitable one from them, and make payment via one of the flexible modes offered. You can also contact the customer care executives on the toll-free number 7551-196-989, share your requirements, and follow instructions.

  • Can I avail tax benefits on the premium paid for Liberty General health insurance plans?

    Yes. The premiums paid for Liberty General health insurance plans qualify for deduction under Section 80D of the Income Tax Act, 1961.

Senior Citizen

  • How can senior citizens pay a premium for a Liberty General Policy?

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

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

  • How much premium is exempted from Income Tax if a policy covers parents or senior citizens too?

    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.

  • What is the renewal process for senior citizen health insurance plans offered by Liberty General Insurance?

    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 7551-196-989.

  • Who should buy Liberty senior citizen health insurance plan?

    Liberty senior citizen health insurance plan is a must have for someone who wants protection from various healthcare expenses in the golden years of their lives, at affordable premiums.

  • Can I change the sum insured during Liberty senior citizen health insurance tenure?

    If you are not satisfied with the sum insured of your Liberty senior citizen health insurance plan, then you can enhance it at the time of policy renewal.

  • What is the advantage of Liberty senior citizen health insurance?

    Liberty senior citizen health insurance plan comes with several advantages, some of which include lifetime renewability benefit, portability benefits, free-look period, cover for several major healthcare illnesses, flexible policy terms, several sum insured options between Rs. 2 Lakh and Rs. 15 Lakh, automated additional perks on every block of two claim-free years, and so on.

  • What does the Liberty senior citizen health insurance plan cover?

    Liberty senior citizen health insurance plan covers you for daycare expenses, pre-hospitalisation and post-hospitalisation expenses, in-patient hospitalisation expenses, daily cash allowance, road ambulance expenses, etc.

  • Does Liberty senior citizen health insurance policy offer tax deductions?

    Yes. Liberty senior citizen health insurance policy offers tax benefits to the insured, under Section 80D of the Income Tax Act, 1961. Kindly note that you will not be able to avail tax benefits if you pay the premium in any mode other than cash.

Tax Benefit

  • If I buy a health policy with Liberty General Insurance, will I get tax benefits?

    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.

  • Can I avail tax benefit on the premium paid for health insurance policy purchased from Liberty General Insurance?

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

  • Under which Section am I eligible for tax benefits on the premium paid for health insurance plans by Liberty General Insurance?

    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.

  • Can I avail tax benefits if I pay the health insurance premium in cash for a health insurance policy by Liberty General Insurance?

    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.

Top-up

  • What is the entry age for a top-up plan offered by Liberty General Insurance?

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

  • Are daycare procedures covered under a top-up plan offered by Liberty General Insurance?

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

  • Does Liberty General Insurance offer any top-up plan?

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

  • What are the sum insured options provided under the top-up plan by Liberty General Insurance?

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

Woman

  • What are the preventive care benefits that women get under health insurance plans by Liberty General Insurance?

    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

  • What are the major factors that decide health insurance premium for women?

    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.

  • How many claims can I make in a year under women-centric health insurance policies?

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

  • Who should buy a Liberty woman health insurance plan?

    Liberty health insurance plan for women is ideal for those women who are looking for wider coverage benefits than the ones in the health insurance plans offered to them by their employers. Also, women who do not have an individual health insurance plan can go for this plan as it protects them from women specific diseases.

  • Can I change the sum insured during Liberty woman health insurance tenure?

    Yes. You can change the sum insured of your Liberty women health insurance plan if you are not satisfied with it. But note that the sum insured can be enhanced only up to the highest option available under the policy.

  • What is the advantage of Liberty woman health insurance?

    Liberty woman health insurance policy offers the insured several advantages. Some of these include lifetime renewability benefit, portability benefit, sum insured restoration benefit, no capping on room rent, co-payment or sub-limits, and e-opinion for free from the insurer's expert panel of doctors.

  • What does Liberty woman health insurance plan cover?

    Liberty women health insurance plan offers numerous coverage benefits to the insured. These include in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, domiciliary hospitalisation expenses, hospital daily cash benefit, etc.

  • Does Liberty woman health insurance policy offer tax deductions?

    Liberty woman health insurance policy offers tax benefits on the premium paid for them. You can avail the benefit on paying the premium in any mode other than cash, under Section 80D of the Income Tax Act, 1961.

Tax Save
Save Tax upto ₹75000*
Under Section 80D

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

Liberty Health Insurance Top Up List

  • Family (1)
  • Individual (1)
  • Kids (1)
  • Top-up (1)
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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What users are saying
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  • Transparent Information

    I appreciated how transparent InsuranceDekho was with all the information about each policy. There were no hidden terms or surprises, which made me feel confident in my choice for Liberty Health Insurance.

    N
    Liberty
    By Nikita Sharma
    On: Jul 01, 2024
  • User-friendly website

    In every way, Liberty Health has surpassed my expectations. Their insurance plans are adaptable, so I may alter the coverage to suit my needs. Purchasing it from InsuranceDekho has made it even simpler, their web interface is user-friendly, which makes it simple for me to track claims and manage my policy. I feel inspired to take charge of my healthcare path with Liberty Health and InsuranceDekho’s support.

    M
    Liberty
    By Megha Singh
    On: Jun 25, 2024
  • Renewal Process was quick

    My Liberty Health Insurance renewal went well with InsuranceDekho. The renewal process was easy and quick because of the platform's superb customer support and user-friendliness. I had excellent assistance the entire time, which made sure everything went well. I heartily endorse their offerings.

    R
    Liberty
    By Rehaan Sharma
    On: Jun 20, 2024
  • Patient customer service

    InsuranceDekho made it straightforward for me to select the ideal Liberty health insurance plan. Their extensive coverage options and attentive customer support experts guarantee that I am well taken care of. Liberty through InsuranceDekho is an excellent choice for health insurance.

    S
    Liberty
    By Sonal Shetty
    On: Jun 10, 2024
  • Clear Communication

    I appreciate InsuranceDekho's commitment to clear communication. Throughout my interaction with them regarding my Liberty General medical insurance policy, the information provided by the customer support team was accurate and clear. It's this transparency that makes me confident in my choice of InsuranceDekho for health insurance.

    A
    Liberty
    By Ayush Tiwari
    On: Jun 03, 2024