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Liberty Health Connect Supra Health Insurance

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Liberty Health Insurance
Health Connect Supra
Claim Settlement Ratio97%
COVID-19 Coveryes
Network Hospitals6,000
Pre-existing Disease Waiting Period2 years
Renewabilityyes
Starting Premium of Rs. 5 lakhs SIRs. 526/month

About Liberty Health Connect Supra Health Insurance

Health Connect Supra by Liberty General Insurance is more than just a health insurance plan. It is a valuable extension to your basic health insurance policy that enhances your current coverage. This top-up plan is specifically designed to complement your existing individual or family health insurance, providing additional benefits at a lower cost. This plan provides coverage on an Individual and Family Floater basis.

Continue reading to discover further details about the Liberty Health Connect Supra Plan, including its advantages, eligibility criteria, inclusions, exclusions, and more.

Liberty Health Connect Supra Top-Up Insurance At a Glance

Coverage

Individual and Family Floater

Key Features

Lifetime Renewability, Top-up Coverage, etc.

Policy Tenure

1, 2 and 3 Years

Inclusion

In-patient Treatment, Day Care Procedures, etc.

Exclusion

Waiting Period - 30 Days, 2 years and 3 Years

Renewability

Lifetime

Key Features of Health Connect Supra Top-Up

The key features of the Health Connect Supra Top-Up plan are as follows:

  • Lifetime Renewability: Health Connect Supra Top-Up offers the peace of mind of lifetime renewability, ensuring ongoing coverage for your health needs throughout your life.
  • Top-Up Coverage: Enhance your existing health insurance with this top-up coverage, providing an extra layer of financial protection for unforeseen medical expenses.
  • Varied Options for Sum Insured and Deductibles: Choose from a range of Sum Insured and Deductible options based on your preferences and needs.
  • No Pre-Policy Health Check-Up Required: If you have a clean health history, you won't need a pre-policy health check-up when applying.
  • Single Policy for Individuals and Families: Enjoy the convenience of a single policy that covers both individual and family members. Note that, additional discounts are available when two or more family members are included under the same policy.

Riders Available with Health Connect Supra Top-Up Policy

Here’s the list of riders or add-on covers available with the Liberty Health Connect Supra Top-Up policy:

  • AYUSH Treatment: The policy covers medical treatments in Ayurveda, Unani, Siddha, and Homeopathy in government hospitals or institutes recognised by the government. It's important to note that there are no sub-limits on these treatments.
  • Worldwide Coverage: This rider ensures that the policy covers you globally in the event of emergency medical hospitalization, providing peace of mind when you're away from home.
  • Wellness & Assistance Program: When you're more than 150 kilometers away from your home, within Indian territory, this program provides emergency services, including Medical Consultation, Evaluation and Referral, Medical Monitoring & Case Management, Compassionate Visit, and Emergency Medical Evacuation.
  • Reload of Sum Insured: The policy allows the reloading of the sum insured once in a policy year, equivalent to the original sum insured. The sum gets restored when the original sum insured is fully exhausted.

Variants of Liberty Health Connect Supra Top-Up

The two different variants of this Top-Up plan are tabulated below:

Features

Top-Up II

Top-Up III

Super Top-Up I

Super Top-Up II

Sum Insured

Rs. 3, 5, 7 lakhs

Rs. 10, 15, 20 lakhs

Rs. 3, 5, 7, 10, 15 and 20 lakhs

Rs. 10, 15, 20, 30, 50 and 100 lakhs

Deductible

Rs. 2, 3, 4, 5 lakhs

Rs. 5, 7.5 and 10 lakhs

Rs. 2, 3, 4, 5, 7.5 and 10 lakhs

Rs. 10, 15, 20, 30 and 40 lakhs

In-patient Hospitalization

Covered

Covered

Covered

Covered

Pre-Hospitalisation

30 Days

60 Days

30 Days

60 Days

Post-Hospitalisation

60 Days

90 Days

60 Days

90 Days

Day care Procedures

Covered

Covered

Covered

Covered

Loyalty Perk

NA

NA

Auto increase in Sum Insured by 10%, up to a maximum of 100%

Auto increase in Sum Insured by 10%, up to a maximum of 100%

Eligibility Criteria of Health Connect Supra Top-Up Insurance Plan

Find below the eligibility criteria for the Liberty Health Connect Supra Top-Up Plan:

Parametres

Eligibility Criteria

Minimum entry age

Adult: 18 Years

Children: 91 Days

NOTE: Children under the age of 18 are eligible for insurance coverage as long as at least one parent is covered in the policy.

Maximum age

Adult: 65 Years

Residential Status

Indian Residents

Benefits of Health Connect Supra Top-Up Plan

The following are the benefits of the Liberty Health Connect Supra Top-Up plan:

  • Comprehensive Coverage: Health Connect Supra TopUp offers wide-ranging coverage with a sum insured of up to Rs. 1 crore. This provides policyholders with the financial support needed for various medical expenses. Moreover, the plan also allows you to choose from multiple sum insured and deductible options.
  • No Pre-Policy Health Check-Up: With this top-up plan, you can experience a hassle-free application process as there is no requirement for a pre-policy health check-up.
  • Reload of Sum Insured: The plan provides a unique benefit called Reload, allowing you to restore your existing sum insured. This feature ensures that even if your current sum insured is exhausted due to a claim, you can still have the same sum insured available for any subsequent hospitalization within the same policy year.
  • No Co-Pay, No Room Rent Capping, No Sub-Limit: Health Connect Supra TopUp eliminates financial stress by offering a policy with no copay, no room rent capping, and no sub-limits. This means you don't have to share hospitalization medical expenses.
  • Worldwide Cover: With Health Connect Supra Top-Up, you can enjoy peace of mind not only in your home country but also during international travel. Yes, the plan provides worldwide coverage from day 1, excluding pre-existing diseases, which are covered after a waiting period of 3 years.
  • Loyalty Perk: As a loyalty perk, the plan automatically increases the sum insured by 10% for every claim-free, up to 100% over time, policy year. This encourages policyholders to maintain a healthy lifestyle and renew their policies without any breaks.
  • Cashless Claims Benefit: Health Connect Supra TopUp offers the convenience of cashless claims at a vast network of more than 4200 network hospitals. This allows policyholders to focus on their health without the burden of upfront payments and subsequent reimbursement procedures.

Inclusions of Health Connect Supra Top-Up Plan

Stated below are the inclusions of the Health Connect Supra Top-Up plan:

  • In-Patient Treatment: This covers expenses for being in the hospital for at least 24 hours due to illness or an accident. It takes care of costs like room rent, boarding, nursing, ICU, medical practitioner fees, medicines, and related expenses.
  • Pre and Post Hospitalisation: The insurance covers medical expenses for the days before and after hospitalization. This includes costs for consultations, tests, and medications during these periods.
  • Day Care Procedures: The policy covers medical expenses for 400+ day care procedures. These are procedures that don't require a full 24-hour hospital stay.
  • Loyalty Perk: As mentioned earlier, for every claim-free policy year, the policy automatically increases the sum insured by 10%, up to a maximum of 100% of the sum insured, if the policy is renewed without any breaks.
  • Preventive Care: Under Preventive Care, enjoy additional benefits at no extra cost, including First Medical Opinion, Live Health Talk, Electronic Medical Record Management, and Fortnightly newsletters.

Exclusions of Health Connect Supra Top-Up Plan

The following are the exclusions of this Liberty Health insurance plan:

  • 30-day waiting Period Exclusion: Any diseases or illnesses, except for accidental physical harm requiring hospitalization, will not be covered for the first 30 days from the beginning of the policy.
  • Two-Year Waiting Period Exclusion: There is a two-year waiting period before the plan covers certain conditions, such as Cataract, Piles, Sinusitis Hydrocele, Hernia, Benign Prostatic Hypertrophy, Fissure, Gastric, and Duodenal ulcers, etc.
  • Pre-Existing Condition Exclusion: Coverage for pre-existing conditions or any complications resulting from them will not be provided until 3 years have passed since the inception of your policy.

Documents Required for Health Connect Supra Top-Up Plan

To buy the Health Connect Supra Top-Up Insurance, you must provide the following:

  • A correctly filled application form
  • Aadhar card
  • Passport
  • Voter ID
  • Driving License
  • Birth Certificate
  • Passport-sized photos
  • Health check-up reports may be required in some cases
  • If requested, submit any additional documents asked by the insurance company

How to Buy Health Connect Supra Top-Up Insurance?

To buy the Health Connect Supra Top-Up Plan, follow these steps:

  • Step 1: Visit the InsuranceDekho website.
  • Step 2: Click on "Health Insurance" under the "Insurance" tab.
  • Step 3: Choose "Liberty Health Insurance" from the list of health insurance companies.
  • Step 4: Select the "Health Connect Supra Top-Up" plan.
  • Step 5: It's important to read the policy document carefully.
  • Step 6: Upload the necessary documents for verification.
  • Step 7: Complete the online payment for the medical insurance premium.
  • Step 8: You will receive the Health Connect Supra Top-Up policy document successfully via email.

Claim Process for Health Connect Supra Top-Up Insurance

Health Connect Supra Top-Up policy can be claimed through two methods:

Cashless Claim

  • Visit a hospital affiliated with Liberty Health Insurance.
  • Provide your Health Connect Supra Top-Up details and essential information.
  • Complete and submit the required documents.
  • The insurance company will handle the payment directly with the hospital on your behalf.

Reimbursement Claim

  • Choose a hospital within Liberty Health Insurance's network.
  • Settle your medical bills at the selected hospital.
  • Initiate a reimbursement claim on the insurance company's website.
  • Fill in and submit the Health Connect Supra Top-Up claim form with the necessary details.

Health Insurance Calculator

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Father
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Select the age of all members

  • You

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Choose required Coverage for yourself?

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Disclaimer : Actual Premium might vary basis your location, age and number of members
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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation: minimum of 24-hour hospitalisation is required
  • Medical expenses incurred before hospitalisation for a certain time period
  • Medical expenses incurred after the covered hospitalisation
  • Optional medical expenses for AYUSH (Ayurveda, Unani, Siddha and Homeopathy)
  • Emergency care medical expenses incurred outside India
  • 405 daycare procedures undertaken in a hospital or day care centre

What's Not Included

  • Expenses related to any sexually transmitted disease
  • Cosmetic surgery unless necessary due to an injury or burn
  • Expenses incurred in diseases related to AIDS/HIV or related diseases
  • Mental disorders, congenital diseases, weight control programme and cosmetic surgery
  • All preventive care, vaccination, immunisation, except if it’s medically necessary
  • Pregnancy-related treatment, except for ectopic pregnancy

Health Connect Supra User Reviews

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Add-ons to Enhance Benefits

  • AYUSH Treatment

    Under this option, you can get cover for medical expenses incurred in Ayurveda, Siddha, Unani and Homeopathy in government-owned hospitals or institutes.

  • Worldwide Coverage

    Worldwide coverage means you can get coverage for emergency medical expenses incurred outside India. This option is, however, available only for Super Top-up plan.

  • Wellness and Assistance Program

    The Wellness and Assistance Program is available on an optional basis. It is serviced either by the insurer or its service provider. 

  • Reload of Sum Insured

    When the sum insured gets exhausted, the Sum Insured gets reloaded under this add-on benefit. 

Liberty Health Connect Supra Expert Review

  • Expert Review

    Health Connect Supra by Liberty General Insurance serves as additional benefits to an existing individual or family health insurance policy. It provides additional financial cover above the basic sum insured of your existing plan. It has two variants, Top-up plan and Super Top-up plan. The objective of these two variants is to enable insured to customise the level of protection at lower premiums. The Top-up plan increases the sum insured up to Rs. 20 Lakh, and Super Top-up plan increases SI up to Rs. 1 Crore at lower costs.

    In general, when you buy a separate health insurance policy to increase the sum insured up to Rs. 1 Crore, the premium becomes unbearable. But, by choosing Health Connect Supra, you can increase the sum insured of the existing plan up to Rs. 1 Crore at lower costs. With these features, Liberty General helps you avail more coverage benefits than the sum insured benefits specified in your regular health insurance. 

  • Major Attractions

    While designing Health Connect Supra, Liberty General has not overlooked the importance of AYUSH (Ayurveda, Yoga, Unani, Sidha, and Homeopathy) treatment, worldwide coverage, etc. and it provides these benefits as an add-on benefits along with others such like Wellness and Assistance Program and Reload of Sum Insured benefits. Apart from this, Health Connect Supra takes care of you and your family health by paying the expenses incurred for in-patient treatment, pre and post hospitalisation, daycare procedures, etc. Some more exceptional benefits includes:

    • 24/7 help to evaluate, resolve and immediate referrals to qualified doctors and hospitals
    • The Top-up and Super Top-up is applicable with a health insurance policy of any other insurer
    • Flexibility to choose sum insured and deductible
    • Auto increase in SI by 10% for every claim-free year up to a maximum of 100%
    • 10% discount if two or more family members are covered under the same policy
    • A flat discount of 15% proposed for each child
    • 40% of family floater discount for the immediate family, like spouse, three kids
    • 7.5% and 10% premium discount if a 2-year and 3-year policy tenure is selected
  • What’s More?

    There is no need to have a regular health insurance policy to buy Health Connect Supra. The plan comes with individual and family sum insured options. In the individual sum insured, the policy covers self, spouse, children, parents, parents-in-law. On the floater basis, the policy covers self, spouse, 3 dependent children. A series of other benefits are:

    • Guaranteed lifelong renewability of the policy
    • Tax benefits under Section 80D of the Income Tax
    • A free look period of 15 days to cancel the policy if dissatisfied
    • No health check-up required if you’re not suffering from adverse medical history
    • Optional covers to customise the plan
    • Dedicated third party support for claim settlement
  • Conclusion

    The bottom line is that Health Connect Supra is an ideal option to avail increased coverage benefits at reduced premiums. The features of First Medical Opinion, Electronic Medical Record Management, Live Health Talk and fortnightly newsletters at no additional costs let you have a unique experience.

    If you want to buy Health Connect Supra, buy it online at InsuranceDekho wherein you can compare different policies, get expert advice, and enjoy proper assistance at the time of claim settlement.

Liberty Health Connect Supra Brochure

  • 5.91 MB
  • PDF Document
  • Jul 11, 2019

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.

FAQs on Health Connect Supra Health Insurance Plan

  • Can I buy the Top-up or Super Top-up plan from LGI if I have bought my regular health insurance policy from another company?

    Yes, you can buy the Top-up or Super Top-up plan from LGI if you have bought your regular health insurance policy from another company.

  • What are the key benefits of family floater Super Top Up Policy of LGI?

    The family floater Super Top Up Policy gives you the opportunity to cover your entire family members at an affordable price under one policy. It gives you options to choose the Sum Insured and Deductible. Also, you can earn tax benefits under section 80D of the Income Tax Act. 

  • Can I buy Health Connect Supra online?

    Yes, you can buy Health Connect Supra online. For this, visit the official website of Liberty General Insurance. Or call toll-free number 1800-120-5698 of InsuranceDekho and our experts will assist you in buying the plan at your convenience.

  • What are the coverage benefits in the Health Connect Supra policy?

    Health Connect Supra comes with several benefits such as cover for in-patient hospitalisation, pre-hospitalisation, post-hospitalisation, daycare procedures, and much more.

  • Are there any optional benefits under the LGI’s Health Connect Supra?

    Yes, the Health Connect Supra of LGI comes with some optional benefits such as Reload of Sum Insured, AYUSH Treatment, Worldwide Coverage and Wellness & Assistance Program. 

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