Liberty Health Insurance

Liberty Health Insurance is offered by Liberty General Insurance Limited, an IRDAI-registered general insurance company (Registration No. 150). The insurer offers health insurance solutions for individuals, families, senior citizens, and customers looking for top-up health cover. Its portfolio includes comprehensive indemnity plans, super top-up options, and family health insurance with sum insured options of up to ₹1 crore, supported by a network of 5,000+ cashless hospitals across India.

The features available depend on the selected Liberty Health Insurance policy.

• Sum insured from ₹2 lakh to ₹1 crore across eligible health insurance plans.

• 5,000+ cashless network hospitals across India for eligible treatments.

• Lifetime renewability available on eligible Liberty Health Insurance plans.

• Five variants under Liberty Health Connect: E-Connect, Basic, Elite, Supreme, and Supreme Plus.

• Automatic restoration of the sum insured under eligible plans once the available coverage is exhausted.

• Loyalty Perk increases the sum insured by 10% for every claim-free policy year, up to 100%, subject to renewal conditions.

• Pre and post-hospitalisation expenses, daycare procedures, domiciliary treatment, AYUSH treatment, and ambulance charges are included under eligible plans.

• Free health check-up after every two years of continuous renewal, irrespective of claims, under applicable policies.

• No pre-policy medical check-up up to 50 years of age for eligible Health Connect plans.

• Tax benefits under Section 80D of the Income Tax Act on eligible premiums.

• PED Protector:

Reduces the financial impact of claims arising from eligible pre-existing diseases under applicable plans.

• Global Cover:

Access to treatment outside India for covered medical conditions, subject to the policy terms.

• Zero Deduct Cover:

Removes the deductible applicable under eligible variants, allowing claims from the first eligible rupee.

• Vector-borne Disease Benefit:

Additional financial support for hospitalisation due to specified vector-borne illnesses.

• EMI Protector:

Scheduled loan EMIs are paid for the specified period following the diagnosis of covered critical illnesses.

• Domestic Travel Plus:

Extends selected policy benefits while travelling within India under applicable plans.

• Reload of Sum Insured:

An additional sum insured becomes available after the base cover has been exhausted by admissible claims.

• Choice of five Health Connect variants:

E-Connect, Basic, Elite, Supreme, and Supreme Plus allow customers to select coverage based on their healthcare requirements and budget.

• HealthPrime Connect:

Higher sum insured options with specialised benefits such as maternity cover, infertility treatment, obesity treatment, laser eye surgery, and wellness rewards under eligible variants.

• Health Connect Supra:

A dedicated super top-up plan that enhances existing health insurance without purchasing another comprehensive policy.

• Loyalty Perk:

The sum insured increases by 10% for every claim-free policy year, up to 100%, when renewed without a break as per policy terms.

• Free health check-ups:

Available after two consecutive renewals under eligible policies, irrespective of claim history.

• Cashless claim response commitment:

Liberty states that eligible cashless requests receive an initial response within the committed turnaround time specified by the insurer.

Buying Liberty Health Insurance online through Coverfox allows you to compare plans, premiums, and benefits before selecting the policy that suits your healthcare needs.

Steps to Buy

1. Visit the Coverfox Health Insurance page and enter the details of the members you want to insure.

2. Compare available Liberty Health Insurance plans based on the sum insured, premium, waiting periods, and policy benefits.

3. Select the policy and choose optional add-on covers, where available.

4. Fill in the online proposal form with your personal, nominee, and health details.

5. Complete the premium payment through the secure online payment gateway.

6. Once the proposal is accepted, your Liberty Health Insurance policy is issued digitally and shared on your registered email ID.

Need assistance? If you're unsure which Liberty Health Insurance plan best matches your requirements, the Coverfox team can help you compare it with other insurers, explain policy features, and guide you through the purchase journey without additional paperwork.

Buying through Coverfox lets you compare Liberty Health Insurance with other health insurance plans before making a decision, helping you choose the policy that best fits your healthcare requirements.

• Compare Multiple Insurers: View Liberty Health Insurance alongside plans from other insurers on a single platform.

• Cover AI: Analyse policy documents to understand inclusions, exclusions, waiting periods, and policy conditions with greater clarity.

• Transparent Premium Comparison: Compare premiums, benefits, and coverage without hidden charges.

• Expert Insurance Advisors: Receive unbiased guidance based on your healthcare needs, family size, and budget.

• Paperless Purchase: Complete the entire buying journey online, from quote comparison to policy issuance.

• Renewal Assistance: Get timely reminders and support for policy renewals and servicing.

• Claim Guidance: Assistance from the Coverfox team throughout claim intimation, documentation, and the claims process.

Liberty Health Insurance offers access to 5,000+ cashless network hospitals across India. Eligible hospitalisation expenses are settled directly with the hospital after claim approval, reducing the need for upfront payments during treatment.

How to Find a Liberty Health Insurance Network Hospital

• Visit Coverfox: Open the Coverfox Network Hospitals page.

• Select the Insurer: Choose Liberty Health Insurance from the list of insurers.

• Enter Your Location: Search using your city, locality, or PIN code.

• Browse Hospitals: View nearby cashless hospitals.

• Confirm Network Status: Verify the hospital is part of the active Liberty Health Insurance network before admission.

Waiting periods differ based on the policy selected. The standard timelines under Liberty Health Insurance are:

• Initial Waiting Period: 30 days from the policy commencement date. Accidental hospitalisation is covered from Day 1.

• Specified Diseases & Procedures: 24 months for listed illnesses and treatments specified in the policy.

• Pre-existing Diseases (PED): As per the waiting period mentioned in the selected policy wording. For example, Health Connect Supra has a 3-year waiting period for pre-existing diseases.

Note: Waiting periods vary across Liberty Health Insurance plans. Please refer to the relevant policy wording and prospectus for the applicable timelines, terms, and conditions before purchasing the policy.

• Customer Care Number: 1800 266 5844

• Health Claims Helpline: 1800 102 7477 (8:00 AM – 8:00 PM, all days)

• Senior Citizen Helpline: 1800 102 4488

• Email: health360@libertyinsurance.in

Disclaimer - The information on this page is intended for general informational purposes only. Policy features, premiums, waiting periods, network hospitals, and exclusions are subject to change. Please refer to the official Liberty Health Insurance policy wording and prospectus for the latest terms, conditions, and coverage details before purchasing or renewing a policy.