• Liberty Health Connect Policy

    Health Insurance
    • Enjoy options to cover yourself, your spouse, kids and even your parents
    • Enjoy access to 10,000+ hospitals for cashless treatment
    • Reduce your taxable income by up to Rs. 50,000 deduction under section 80D**

    Liberty Health Connect is a comprehensive health insurance plan offered by Liberty General Insurance Ltd. This policy comes in multiple variants, and it provides a range of benefits for policyholders. This policy is also available as a family floater policy that can be taken to provide health insurance protection to the entire family. The flexible options and value-added benefits make it policy worth considering if you are looking for a new health insurance plan.

    Eligibility for Liberty Health Connect Policy

    People who meet the following eligibility criteria can apply for Liberty Health Connect Policy:

    • Anyone between the age of 18 years and 65 years can enter this cover.
    • Dependent children can be covered from the age of 91 days.
    • Unmarried/unemployed beneficiaries can be covered as dependents till the age of 25 years.
    • A maximum of 4 members (1 adult and 3 children or 2 adults and 2 children) can be covered in the family floater variant of this policy.
    • This policy can be renewed for life once entered.

    Features of Liberty Health Connect Policy

    Some of the notable features of Liberty Health Connect Policy can be listed as follows:

    • This policy cover is available in 4 different plant type variants: e-connect, basic, elite, and supreme.
    • The maximum sum insured amount available under this policy cover is capped at Rs.15 lakh (supreme plan).
    • The sum insured amount chosen at the time of enrollment can be enhanced at the time of renewal subject to the discretion of the company.
    • Customers can choose between 1 or 2-year policy terms based on their requirement.
    • There are no room rent caps or sub-limits specified under this policy cover. A 7.5% premium discount is available if the policy term is chosen for 2 years.
    • A 10% premium discount is available if more than 2 members are covered in the policy on an individual sum insured basis.
    • For people entering this policy cover after 50 years of age, the company requires pre policy medical examination. The company will reimburse 50% of the medical examination costs upon successful acceptance of the policy.
    • The waiting period for pre-existing diseases varies based on the plan type chosen. There is a waiting period of 4 years for the basic plan. For elite and supreme plans, the waiting period is 3 years and 2 years respectively.
    • Any claims related to sickness hospitalisation will not be covered during the first 30 days of the policy cover.
    • Specific conditions like cataract, fissures, sinusitis, hydrocele, hernia, etc. have a waiting period of 1 year.
    • This policy reimburses pre hospitalisation medical expenses for up for 60 days before the date of hospitalisation.
    • Post hospitalisation medical expenses are reimbursed for up to 90 days after discharge from the hospital.
    • Customers can review the terms and conditions of this policy during the first 15-day free look period and cancel it if they find it unsuitable to their needs.
    • As per the IRDAI guidelines, the company allows a grace period of 30 days from the date of expiry to renew this policy cover.
    • This policy can be transferred to other insurers in the market by following the portability guidelines issued by the IRDAI.
    • Under Section 80D of the Income Tax Act, policyholders can claim income tax relief for the premium amount paid towards this policy.

    Benefits of Liberty Health Connect Policy

    The benefits available under Liberty Health Connect Policy can be given as follows:

    Benefits Extent of Coverage
    Inpatient medical expenses Covered up to the sum insured limit
    Day care treatment expenses Covered for up to 140 procedures
    Domiciliary hospitalisation expenses Up to 10% of the sum insured amount
    Emergency ambulance cover Basic plan - Rs.1,500 Elite & Supreme plans - Rs.2,000
    Hospital daily cash allowance (for up to 10 days of continuous hospitalisation) Basic plan - Rs.500 per day Elite & Supreme plans - Rs.1,000 per day
    Coverage for organ donor expenses Up to the sum insured limit
    Second opinion benefit Available for major illnesses (once in a policy year)
    Recovery benefit Lump sum payment of Rs.10,000 if the hospitalisation exceeds 10 days (available only under the supreme plan)
    Nursing allowance Rs.500 per day to engage the services of a qualified nurse at the hospital or at home (available only under the supreme plan)
    Restoration of sum insured 100% restoration of the sum insured amount once in a policy year after complete exhaustion (only in elite and supreme plans)
    Loyalty perk (no claim bonus) 10% increase in sum insured amount for every claim-free year subject to a maximum of 100% of the sum insured amount

    Exclusions of Liberty Health Connect Policy

    The exclusions applicable to Liberty Health Connect Policy can be listed as follows:

    • Claims related to intentional self-injuries or suicide attempt
    • Expenses related to treatment for sexually transmitted diseases, venereal diseases, HIV, and AIDS
    • Illnesses or injuries attributable to drugs or alcohol
    • Expenses related to rehabilitation from drugs or alcohol abuse
    • Hospitalisation due to war or warlike activities
    • Any claims related to exposure to nuclear materials or radiation
    • Expenses incurred for items of comfort during hospital stay

    Claim Procedure

    Both cashless treatment and reimbursement claims are available under this policy cover. Cashless treatment can be availed in any of the 3,300+ network hospitals located in different parts of the country. While getting admitted in the network hospital, it is necessary to produce the cashless treatment card. Pre authorisation request can be sent from the hospital itself through fax or email. The third-party administrator (TPA) will verify the request and provide approval for cashless treatment.

    For reimbursement claims, the insured must submit a list of documents after discharge from the hospital. Along with the claim form, the insured must submit copies of medical bills, physician reports, diagnostic reports, discharge summary, etc. Once all the relevant documents are submitted, the verification process will begin. The company will communicate the acceptance or rejection of the claim after the verification process. In case of rejection, the company will also provide the reason for rejection. Upon successful verification of the policy documents, the company will provide the settlement amount to the insured.

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