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Liberty Health Connect Health Insurance

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Liberty Health Insurance
Liberty Health Connect
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 Health Insurance

Liberty Health Connect Policy is an individual cum family-based medical insurance policy that takes care of all your healthcare and hospitalisation needs. The policy can be tailored as per your needs. It comes with 4 plan options: E-Connect, Basic, Elite, and Supreme. Each plan comes with different sum insured options, such as E-Connect from Rs. 3 Lakh to Rs. 7.5 Lakh, Basic plan from Rs. 2 Lakh to Rs. 10 Lakh, Elite plan from Rs. 3 Lakh to Rs. 15 Lakh and similarly, the Supreme Plan from Rs. 2 Lakh to Rs. 15 Lakh with many other benefits.

Liberty Health Connect comes with extensive coverage benefits, such as in-patient treatment, pre and post-hospitalisation, daycare treatment, domiciliary hospitalisation, organ donor transplant, nursing allowance and many others. The family floater option under the Liberty Health Connect policy can be used to extend the cover to the policyholder’s spouse, dependent children, parents, and parents-in-law.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Post-hospitalisation for 60 days in E-connect and 90 days in Basic, Elite and Supreme plans
  • Domiciliary hospitalisation treatment up to 10% of the sum insured in all plans
  • Emergency ambulance charges Rs. 1500 in E-connect & Basic and Rs. 2000 in Elite & Supreme
  • Second Opinion is covered by all the four plans of the Health Connect policy
  • Expenses incurred during inpatient treatment hospitalisation are covered under the policy
  • Pre-hospitalisation for 30 days in E-connect and 60 days in Basic, Elite and Supreme plans

What's Not Included

  • Medical expenses directly or indirectly related to HIV, AIDS or related complex diseases
  • Abuse of hallucinogenic, intoxicant or substances like alcohol and intoxicating drugs
  • Mental disorders, congenital diseases, weight control programme and cosmetic surgery
  • Any treatment for refractive eye errors, unless it’s caused by an accident
  • Injury or ailment occurred due to war, invasion, warlike situations, enemy, etc.
  • Robotic assisted surgery, Light Amplification by Stimulated Emission of Radiation (LASER)

Liberty Health Connect User Reviews

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What users are saying
  • All
  • Seamless Experience and Great ...

    InsuranceDekho made the process of choosing health insurance a breeze! Their website was user-friendly, and the interface was easy to navigate. I found the perfect health insurance plan in the Liberty- Liberty Health Connect tailored to my needs in no time. I highly recommend InsuranceDekho to anyone looking for a hassle-free and reliable health insurance solution.

    S
    By SreeKumar Nair
    On: Jul 28, 2023
  • Nice first experience with lib...

    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 premium rates. The features that i liked the most are emergency ambulance, second opinion, no room rent or sub-limits, family discount and others. 

    L
    By Lok Pal Singh
    On: Feb 27, 2020
  • Superb plan by liberty

    Liberty Health Connect is my first policy of health insurance. I have purchased it only 24 days back. At low premium price, i have gained coverage for expenses on in-patient treatment, pre and post-hospitalisation, daycare treatment, domiciliary hospitalisation, and others. My wife, parents, and parents-in-law are also covered apart from me in this plan.

    S
    By Sudarshan Misra
    On: Feb 21, 2020
  • No room rent capping

    Liberty health connect is a good policy that i have recently come across. Other than offering basic medical benefits, this plan has offered me the feature of no room rent capping or sub-limits, something that i was looking for. I would say that at very less premium, i have got a policy that completes my health insurance needs.  

    R
    By Raunak Saxena
    On: Feb 18, 2020
  • Helped me cover my parents in ...

    I want to extend my thanks to insurancedekho team that they helped me buy this policy. I was looking for covering my parents-in-law and did the same with this plan. The premium is affordable for me and the benefits that i am covered for are quite many. Now i am a permanent customer of liberty.

    J
    By Juhi Saxena
    On: Feb 12, 2020

Liberty Health Connect Expert Review

  • Expert Review

    Liberty Health Connect ranks among top health insurance products of Liberty General Insurance. Coming at pocket-friendly rates, this policy is offered on an individual and the family floater sum insured basis. With the pre-eminent feature of being customized according to your needs, the policy is best suited for people with different requirements and family of different size and age. The terms of the policy range between 1 year and 2 years, i.e. you can buy the policy for 1 or 2 years. Under the individual sum insured basis, the cover is available for self, spouse, dependent children, parents, parents-in-law. On the floater basis, a maximum of 2 adults can be covered with the others.

    Liberty Health Connect is divided into 4 types of plan to cater to the needs of every class of people: E-connect, Basic, Elite, and Supreme. Depending on the financial ability, you can opt for a range of sum insured options, starting from Rs. 2 Lakh to Rs. 15 Lakh backed by many exciting benefits. To set aside the age restrictions, Liberty General has made the Health Connect policy available for different age groups, right from 18 years to 65 years. Children from 91 days to 25 years are also covered along with their parent/parents. Thus, this policy features to suit everyone’s requirements. 

  • Major Attractions

    Liberty Health Connect has many other attractions to offer. It doesn’t let the policyholder spend even a single penny when a medical condition strikes. This is possible because the insurer has partnered with thousands of top-class hospitals for cashless treatment. Some key attractions of the policy are:

    • Family discounts of 10% for covering more than two members on the Individual sum insured basis
    • Restoration of the sum insured if the basic sum insured gets exhausted
    • 7.5% discount on the full premium payable against the 2-year policy duration
    • Free health check-up after 2 years of policy renewal without any break
    • No room rent capping or sub-limits. So, you can choose the best room category in the hospital
    • 10% of auto-increase in the sum insured in every claim-free year
    • No charge for getting a second medical opinion from the insurer’s panel of doctors
    • No co-pay option thus no sharing of the hospitalisation medical costs 
  • What’s More?

    Aside from the above attractions, Liberty Health Connect comes with many other benefits that make it a one-stop product to meet all your needs. Going further, below are some other features of the policy:

    • Recovering benefits by paying a lump sum amount in case of hospitalisation for more than 10 days
    • Extension of the policy tenure without additional costs if you’re out of the country
    • Free-look period of 15 days to cancel the policy and get the refund
    • Lifelong renewal of the policy in a hassle-free manner
    • Dedicated third-party support for claim settlement
  • Conclusion

    While there may be different dimensions to an affordable and good health insurance policy, one primary aspect is making sure that coverage is valuable and the insurer is working to serve your interests. Liberty Health Connect is a well-crafted health insurance policy, the premium of which is worth the cover.

    To speed up the policy purchase process, it is advisable to go for the online mode where you can cultivate sizeable benefits. If you buy the policy online at InsuranceDekho, you get the opportunity of comparing different health insurance policies for free, getting the best quotes, and availing quality support. 

Liberty Liberty Health Connect Brochure

  • 8.05 MB
  • PDF Document
  • Jul 10, 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 Liberty Health Connect Health Insurance Plan

  • What are the sum insured options in Liberty Health Connect policy?

    The Liberty Health Connect policy comes with a wide range of sum insured options:

    • E-connect Plan: Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, and Rs. 7.5 Lakh
    • Basic Plan: Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 6 Lakh, Rs. 7.5 Lakh, and Rs. 10 Lakh
    • Elite Plan: Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 6 Lakh, Rs. 7.5 Lakh, Rs. 10 Lakh, and Rs. 15 Lakh
    • Supreme Plan: Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 6 Lakh, Rs. 7.5 Lakh, Rs. 10 Lakh, and Rs. 15 Lakh
  • Can I buy Liberty Health Connect Policy online?

    Yes, you can buy Liberty Health Connect policy online by visiting the official website of Liberty General Insurance. You can also buy the policy by calling InsuranceDekho at 1800-120-5698. Our experts will help you buy the plan at your convenience.

  • What are the coverage benefits I can get from the Liberty Health Connect Policy?

    Liberty Health Connect policy comes with extensive coverage benefits, such as inpatient treatment, daycare treatment, pre-hospitalisation, post-hospitalisation, domiciliary treatment, emergency local road ambulance charges, organ donor expenses, second opinion and so on. 

  • What are the minimum and maximum entry age criteria to buy Liberty Health Connect policy?

    The minimum entry age is 91-25 days for children and 18 years for adults. The maximum entry age is 65 years.

  • Is the premium paid against the Liberty Health Connect policy exempted from Income Tax?

    Yes, the premium paid against the Liberty Health Connect policy is exempted from the Income Tax under section 80D of the Income Tax Act.

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