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.
People who meet the following eligibility criteria can apply for Liberty Health Connect Policy:
Some of the notable features of Liberty Health Connect Policy can be listed as follows:
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|
The exclusions applicable to Liberty Health Connect Policy can be listed as follows:
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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