• Liberty General Insurance

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    Liberty General Insurance is a joint venture between the US-based Liberty Mutual Insurance Group, D.P. Jindal Group which is a well-known industrial conglomerate in India, and Enam Securities which is known to make investments in listed companies. The insurance company was launched in 2013 and have more than 1,100 employees working in 58 cities across 23 states and with a network of 60 offices in India. The insurance company boasts of 3,100 auto services and a network of 5,000 hospitals. The insurer is known to sell various types of health insurance, car insurance, and two-wheeler insurance products to its diversified customers and caters to the various needs of its consumers. 

    Popular Insurance Products Offered by Liberty General Insurance Company

    Liberty General Health Insurance  

    In order to cover yourself against any kind of serious medical condition, you can purchase a health insurance policy from Liberty General. We will have a look at what is covered and not covered under a Liberty General Health Insurance policy. 

    What is covered? 

    • Covers pre-hospitalisation charges such as consultation fees, charges-related to tests and other types of medications for a certain number of days. 
    • Cover post-hospitalisation charges for a certain number of days. 
    • Daycare treatment and in-patient treatment costs are covered. 
    • The cost incurred in case the patient is treated at home due to the non-availability of rooms in the hospital is covered. 
    • Ambulance charge is provided under this plan. 
    • Non-medical expenses will be covered as a cash allowance on a daily basis  and will be paid for the time when the patient is admitted in the hospital. 
    • A lump-sum amount is paid in case the patient is to be kept in the hospital for more than 10 days. 
    • Nursing allowance is paid on a daily basis. 
    • Cost related to the screening and harvesting of organs is covered. 
    • The insurer aids in getting a second opinion to be sure about the diagnosis made. 

    What is not covered? 

    • Pre-existing conditions are not covered. 
    • Any medical condition diagnosed during the waiting period will not be covered. 
    • First year and second year waiting period exclusion. 
    • Sexually transmitted diseases. 
    • Conditions related to pregnancy. 
    • If you avail treatment from people who are not certified medical practitioners. 
    • Cost related to dental surgery. 
    • Cost of spectacles, hearing aid, etc. 

    Benefits under a Liberty Health Insurance policy 

    • Free health checkup if you successfully renew your policy for 2 continuous years. 
    • A free-look period of 15 days is provided during which you can return the policy if you do not agree with the terms and conditions of the policy. 
    • Your sum insured increases automatically by 10% and can increase up to 100% if you do not make any claim for each policy year.  

    Liberty General Car Insurance 

    If you own a vehicle, then you can purchase a car insurance policy in order to provide coverage for your car. We will have a look at what is covered and not covered under a Liberty General Car Insurance policy. 

    What is covered? 

    • In case your vehicle is damaged or stolen, the insurance company compensates you for the same. 
    • In case your vehicle has caused damage to the property of a third party, the insurer provides coverage by compensating the victim for the loss incurred by him/her and protecting you from the financial and legal liabilities that may arise out of the situation. 
    • An accidental cover will be paid in case of your death or if you become disabled due to a road accident. 

    What is not covered? 

    • Electric or mechanical breakdown, or normal wear and tear. 
    • If the vehicle is being driven by a person without a valid driving license. 
    • When the vehicle is being driven outside the geographical limit. 
    • When the loss or damage is covered under the manufacturer's warranty period. 
    • If you are found driving under the influence of alcohol or drugs. 
    • If the vehicle gets damaged due to war. 
    • If the loss is consequential in nature. 

    Benefits of a Liberty General Car Insurance Policy 

    Some of the benefits of having a Liberty General Car Insurance Policy are: 

    • The claim is generally settled within 7 days from the date of claim made by you. 
    • Claim service is hassle-free in nature and available at more than 1,900 service garages. 
    • You can easily transfer your No-Claim Bonus from one insurer to another. 
    • There are various add-on covers from which you can avail the ones you feel will be suitable for you. 
    • Customer service is available from 08:00 a.m. to 08:00 p.m. for seven days a week. 

    Liberty General Two-Wheeler Insurance 

    If you own a two-wheeler, then you can purchase a two-wheeler insurance policy and ensure that your vehicle is covered from any loss or damage. We will have a look at what is covered and not covered under a Liberty General Two-Wheeler Insurance Policy. 

    What is covered? 

    • In case your vehicle has caused damage to the property of a third party, the insurer provides coverage by compensating the victim for the loss incurred by him/her and protecting you from the financial and legal liabilities that may arise out of the situation. 
    • An accidental cover will be paid in case of your death or if you become disabled due to a road accident. 
    • In case your vehicle is damaged or stolen, the insurance company compensates you for the same. 
    • Extra coverage is provided if there is damage to the electrical and non-electrical part of the vehicle. 
    • An accidental cover will be provided to the passenger other than the rider in case of an accident. 

    What is not covered? 

    • If the vehicle is being driven by the person without a valid driving license. 
    • When the vehicle is being driven outside the geographical limit. 
    • Electric or mechanical breakdown, or normal wear and tear. 
    • If you are found driving under the influence of alcohol or drugs. 
    • If the loss is consequential in nature. 
    • When the loss or damage is covered under the manufacturer's warranty period. 
    • If the vehicle is damaged due to war, invasion, radioactive material, etc. 

    Benefits of a Liberty General Two-Wheeler Insurance Policy 

    Some of the benefits of a Liberty General two-wheeler insurance policy are: 

    • Claim service is hassle-free in nature. 
    • In case your vehicle breaks down in the middle of a road, the insurer ensures that your vehicle is taken to the nearest network garage. 
    • Customer service is available from 08:00 a.m. to 08:00 p.m. for seven days a week. 

    Liberty General Multi-Year Two-Wheeler Insurance Policy 

    A general two-wheeler insurance policy offered by Liberty General Insurance Company provides coverage for two years. However, you can purchase a multi-year two-wheeler insurance policy which provides coverage for more than two years. The benefits, inclusions, and exclusions are the same as stated under a standard or general two-wheeler insurance policy. 

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