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

• 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 General offers you seamless health care 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.

Janta Personal Accident Insurance

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

Liberty General offers you a quick and hassle-free claim process through their appointed Vipul Med Corp TPA. The group is committed in offering quick claim support.

How to register a claim with Liberty General -

• Call at toll free number 1800 102 7477 (between 8-00am to 8-00pm, 7 days of the week)
• Mail on claims@vipulmedcorp.com
• Send a written claim imitation letter to appointed TPA or the applicable branch office by post or courier. The policyholder is required to intimate the appointed TPA at least 48 hours before planned hospitalization and in case of emergency situation, the policy holder is required to inform the TPA within 24 hours post hospitalization.

List of documents required for claim process

In-patient Treatment/Daycare Procedures

• Duly filled and signed Claim Form.

• Photocopy of ID card / Photocopy of current year policy.

• Original Detailed Discharge Summary / Day care summary from the hospital. Original consolidated hospital bill with bill no. and break up of each Item, duly signed by the Insured.

• Original payment receipt of the hospital bill with receipt number

• First Consultation letter and subsequent Prescriptions. Original bills, original payment receipts and Reports for investigation supported by the note from the attending Medical Practitioner/ Surgeon demanding such test.

• Surgeons certificate stating nature of Operation performed and Surgeons Bills and Receipts

• Attending Doctors/ Consultants/ Specialist's/ Anesthetist Bill and receipt and certificate regarding same

• Original medicine bills and receipts with corresponding Prescriptions.

• Original invoice/bills for Implants (viz. Stent /PHS Mesh/ IOL etc.) with original payment receipts.

• Hospital Registration Number and PAN details from the Hospital.

• Doctor’s registration Number and Qualification from the doctor.

Road traffic accident

In addition to in-patient treatment documents, copy of FIR from Police Department / Copy of the Medico-Legal Certificate is to be submitted.

In non-medico legal cases

The treating Doctor’s Certificate with details of injuries (How, when and where injury sustained)

In Accidental Death cases In this case, copy of post mortem report along with death certificate is to be submitted.

For Death Cases

In addition to in-patient documents, copy of death certificate, legal heir certificate and original death summary from the hospital has to be submitted.

Pre and post-hospitalisation expenses

• Duly filled and signed Claim Form.
• Photocopy of ID card / Photocopy of current year policy.
• Original Medicine bills, original payment receipt with prescriptions.
• Original Investigations bills, original payment receipt with prescriptions and report.
• Original Consultation bills, original payment receipt with prescription.
• Copy of the Discharge Summary of the main claim.

Ambulance Benefit

• Duly filled and signed Claim Form.
• Photocopy of ID card / Photocopy of current year policy.
• Original Bill with Original Payment Receipt.
• Treating Doctor’s consultation prescription indicating Emergency Hospitalization.

Reimbursement of Organ Donor Expenses

In addition to the documents of general hospitalization

• Organ Function test / blood test proving organ failure.
• Treatment Certificate issued by the Transplant Surgeon of the hospital concerned.

Nursing Allowance

In addition to the In-patient Treatment documents -

• Duly signed prescription for Private Nursing requirement and its necessity from the treating Medical Practitioner
• Original Bill with Original Payment Receipt of Nursing charges from the utilized Nursing Burrow/Private Nurse

The company may ask for additional documents as relevant to the claim.

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 when buying a health insurance plan.

Liberty General Insurance Co. Ltd.

Reg Office- 10th floor, Tower A, Penisuala Business Park, Ganpat Rao Kadam Marg, Lower Parel, Mumbai – 400013