Liberty Health Insurance FAQs

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

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?

    The Claim Settlement Ratio (CSR) of Liberty General Insurance is 95%+. 

Family Floater

  • 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. 

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 policies has Liberty General Insurance sold in the previous year?

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

  • 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 2017-2018 is 74.58%.

  • How many network hospitals does Liberty General Insurance have?

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

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

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

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

  • 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. 

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

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

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. 

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. 

  • 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. 

  • 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.  

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

  • Is the premium exempted from Income Tax?

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

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

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

  • 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.

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 1800-120-5698.  

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 goes 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. 

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

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.

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...

    Read More
    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...

    Read More
    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 ...

    Read More
    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...

    Read More
    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...

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

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