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How Is Liberty Health Insurance?

Published On Aug 05, 2022 11:00 AM By InsuranceDekho

Liberty General, a joint venture between Liberty Citystate holdings PTE Ltd and Enam Securities and DP Jindal Group, understands the vitality of health and therefore, offers comprehensive health insurance plans that benefit each individual.

The insurance provider covers pre and post hospitalisation expenses, the cost of second consultation and offers a free look up period of up to 15 days. These unique health insurance policies ensure that your health is their priority.

Features of Liberty Health Insurance

  • Hospitalisation Expenses: Pre and post,a nd in-patient hospitalization medical expenses are covered along with costs for domiciliary treatment.
  • Co-payment: The health insurance plan has no co-payment policy.
  • Free-look up: A free look-up period of 15 days is provided.
  • Pre-existing Diseases: The policyholder covers pre-existing diseases after a waiting period of 2 years
  • Organ Donor Expenses: Policyholder is eligible to receive organ donor expenses
  • Second Opinion: The policy covers costs for second opinion to ensure that the diagnosis and the plan of the treatment is proper
  • Ambulance Charges: The plan covers emergency ambulance charges and hospital daily cash allowance

Benefits of Liberty Health Insurance

  • Renewal Benefits : After a policy period of 2 years, the policyholder is eligible to avail a free-health check-up, irrespective of the claims made.
  • Loyalty Perks : The sum insured automatically increases by 10% for every claim free period
  • Cashless Facility : Offers cashless facility with a wide network of 3000 + Liberty General Network Hospitals across the country
  • Flexibility : Offers flexibility to make the premium payments sum insured, coverage and plans.
  • Mediclaim Settlement : Offers quick and hassle-free claim settlement services
  • Reload : Offers 100% reload free of cost
  • Tax benefits : Save tax as per the Section 80C under the Income Tax Act.
  • Claim Settlement Ratio: The incurred claim settlement ratio of Liberty Health Insurance for F.Y.2019-20 is 94.00%.

Liberty Health Insurance Plans

Liberty General offers you seamless healthcare solutions that ensure you are provided with the best benefits during a medical emergency. The health insurance policies by Liberty General ensure a cashless medical insurance across a wide network of hospitals. The plans offered come with a 15 day free look period and offer loyalty perks that increase your sum insured to 10% in case of a claim free year.

  • Liberty Health Connect Policy

A health insurance policy that is designed to take care of all your healthcare and hospitalization needs. The policy is further divided into 4 types of plan that you can choose from.

  • Health E-Connect

This policy by Liberty General is a comprehensive health care policy that you can be tailor-made as per your needs. This is an affordable health insurance plan that offers you cashless hospitalization facility and also covers all your medical needs.

  • Health Connect Basic

Helping you meet your health contingencies on a budget, Health Connect Basic is one of the affordable health insurance plans offered by Liberty General.

  • Health Connect Elite

A comprehensive health care plan that offers you pre and post hospitalisation benefits at affordable premium rates. The plan offers cashless medical care at a wide range of network hospitals.

  • Health Connect Supreme

A comprehensive health care plan that can be tailor made as per your needs and budget.

  • Health Connect Supr

Enhancing your health coverage is Health 
Connect Supra that provides for an additional benefit to your existing basic personal or family health insurance.

  • Individual Personal Accident Policy

Providing you financial aid in times of an accident, Individual Personal Accident Policy provides coverage for all the minor and major accidents. It also covers physical loss arising due to disablement or death and pays for compensation for both accidental death or disablement happening anywhere in the world.

  • Janata Personal Accident Insurance

Helping you stay prepared for the unexpected, Janata Personal Accident Insurance provides coverage to individuals against accidental deaths along with other benefits.


With high customer service, technology implementation, Liberty General has become one of the leading insurance companies in India. In 2014, the company was awarded with ‘Employer of choice’ by excellence awards. With one of the most comprehensive and flexible health plans, Liberty General stands out distinctly with their 4000+ hospital network partner and thus, must be looked forward to when buying a health insurance plan.

Also Read: 

Which Is The Best Health Insurance Policy In India

How To Claim Universal Sompo Health Insurance


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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