Health Insurance from Liberty General

Liberty General, a joint venture between Liberty Citystate holdings PTE Ltd and Enam Securities and DP Jindal Group, understands the vitality of health and therefore, offers comprehensive health insurance plans that benefit each individual.

4000+ Partner Hospitals to avail cashless claim service

The insurance provider covers pre and post hospitalisation expenses, the cost of second consultation and offers a free look up period of up to 15 days. These unique health insurance policies ensure that your health is their priority.

Features - Health Insurance from Liberty General

  • Hospitalisation Expenses : Pre and post,a nd in-patient hospitalization medical expenses are covered along with costs for domiciliary treatment.
  • Co-payment: The 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

Benefits - Health Insurance from Liberty General

  • 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 + 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.

Products Offered- Liberty General

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.

Features of Health E-connect

  • Minimum entry age is 18 years and maximum entry age is 65 years
  • Children between the age of 91 days and 25 years can be insured provided that either of one of the parents is insured under this plan.
  • A free look period of 15days is provided.
  • The plan covers pre and post-hospitalization expenses, day-care procedures and domiciliary treatment.
  • Pre-hospitalisation of 30 days and post-hospitalisation of 60 days is covered.
  • Basic sum insured can be Rs. 3 lakh- 7.5 lakh.
  • The plan pays for in-patient treatment and covers the cost of room rent, boarding expenses, ICU, nursing, ICU, medical practitioner and other medical related expenses.
  • Offers for change in plan or increase in sum insured subject to approval by the company.
  • Irrespective of the claim history, the policyholder is subject to get a free health check-up after a block of 2 renewals.
  • Policyholder is eligible to receive the best treatment without any worry of co-pay and sub-limit as the plan has no co-pay and no-sub limit option.
  • There is no age restriction on renewal and offers you lifelong renewal option.
  • Restoration of sum-insured is offered in case of exhaustion of sum-insured.
  • The plan covers for second opinion option that is free and makes the policyholder liable for a second consultation from a panel of doctors.
  • Policy term can be 1-2 years
  • The plan can be purchased on an individual sum insured basis or on a family floater sum insured basis.
  • 10% of discount is provided if more than 2 individuals are covered on an individual sum insured basis.
  • Maximum 2 adults can be covered under a family floater sum insured plan. They can be self, spouse, parents, parents-in-laws and dependent children.
  • No medical check-up for individuals below the age of 50 years. Also, for individuals above 50 years, the 50% cost of the medical checkup is borne by the insurer.
  • Offers tax benefit under section 80D of the Income Tax Act, 1981.
  • On continuous 10 day of hospitalization, hospital daily cash allowance is provided.
  • The plan provides for nursing allowance on a daily basis for up to 30 days per policy period.
  • Grace period of 30 days is provided for the renewing the policy.
  • Cashless hospitalization benefit is offered at under 3330 network hospitals.
  • The plan covers organ donor expenses up to 1 lakh and emergency local road ambulance charges.
  • Policyholder is eligible for an extension in policy tenure if he/she stays overseas for a continuous period of more than 15 days.
  • An auto-increase of 10% sum insured is provided for every claim free year up to maximum of 100%

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.

Features of Health Connect Basic

  • Minimum entry age is 18 years and maximum entry age is 65 years. Children between the age of 91 days and 25 years can be insured if either of the one parent is covered under the policy.
  • Basic sum insured can be between 2- 10 lakhs.
  • Policy tenure can be 1-2 years
  • The plan can be purchased on an individual sum insured basis or a family floater sum insured basis.
  • 10% discount is provided if more than 2 family members are covered under an individual sum insured basis health plan.
  • Under a family floater sum insured basis, 2 adult individuals can be covered and this can be self, spouse, dependent children, parents and parents-in-law.
  • The plan covers pre-hospitalisation expenses for 60 days and post-hospitalisation expenses for 90 days.
  • Covers costs for day-care treatment and domiciliary treatment.
  • Local ambulance charge of Rs. 1500 is provided.
  • Organ donor expenses are covered up to sum insured.
  • After 10 days of continuous hospitalisation daily hospital cash allowance of Rs. 500 is provided
  • No recovery benefit and nursing allowance is covered.
  • No restoration of basic sum insured is provided.
  • Pre-existing diseases have a waiting period of 4 years.
  • Costs for second opinion by panel of doctors is covered.
  • Policyholder is eligible for an extension in policy tenure if he/she stays overseas for a continuous period of more than 15 days.
  • An auto-increase of 10% sum insured is provided for every claim free year up to maximum of 100%
  • Free health check-up facility is provided after 2 years from the purchase of policy.
  • Pre-existing diseases are covered after a waiting period of 4 years.
  • Free look period of 15 days is provided

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.

Features of Health Connect Elite

  • Minimum entry age is 18 years and maximum entry age is 65 years. Children between the age of 91 days and 25 years can be insured if either of the one parent is covered under the policy.
  • Basic sum insured can be between 3- 15 lakhs.
  • Policy tenure can be 1-2 years
  • The plan can be purchased on an individual sum insured basis or a family floater sum insured basis.
  • 10% discount is provided if more than 2 family members are covered under an individual sum insured basis health plan.
  • Under a family floater sum insured basis, 2 adult individuals can be covered and this can be self, spouse, dependent children, parents and parents-in-law.
  • The plan covers pre-hospitalisation expenses for 60 days and post-hospitalisation expenses for 90 days.
  • Covers costs for day-care treatment and domiciliary treatment.
  • Local ambulance charge of Rs. 2000 is provided.
  • Organ donor expenses are covered up to basic sum insured.
  • After 10 days of continuous hospitalisation daily hospital cash allowance of Rs. 1000 is provided
  • No recovery benefit and nursing allowance is covered.
  • Costs for second opinion by panel of doctors is covered.
  • Policyholder is eligible for an extension in policy tenure if he/she stays overseas for a continuous period of more than 15 days.
  • An auto-increase of 10% sum insured is provided for every claim free year up to maximum of 100%
  • Free health check up facility is provided after 2 years from the purchase of policy.
  • Under this plan, 100% of restoration of basic sum insured is provided on occurrence of any unrelated event.
  • Policyholder can opt for a change in plan or enhancement in sum insured.
  • Free look period of 15 days is provided.
  • Pre-existing diseases are covered after a waiting period of 3 years.
  • The policy is subjected for lifelong renewal.

Health Connect Supreme

A comprehensive health care plan that can be tailor made as per your needs and budget.

Features of Health Connect Supreme

  • Minimum entry age is 18 years and maximum entry age is 65 years. Children between the age of 91 days and 25 years can be insured if either of the one parent is covered under the policy.
  • Basic sum insured can be between 2- 15 lakhs.
  • Policy tenure can be 1-2 years
  • The plan can be purchased on an individual sum insured basis or a family floater sum insured basis.
  • 10% discount is provided if more than 2 family members are covered under an individual sum insured basis health plan.
  • Under a family floater sum insured basis, 2 adult individuals can be covered and this can be self, spouse, dependent children, parents and parents-in-law.
  • The plan covers pre-hospitalisation expenses for 60 days and post-hospitalisation expenses for 90 days.
  • Covers costs for day-care treatment and domiciliary treatment.
  • Local ambulance charge of Rs. 2000 is provided.
  • Organ donor expenses are covered up to basic sum insured.
  • After 10 days of continuous hospitalisation daily hospital cash allowance of Rs. 1000 is provided
  • Recovery benefit and nursing allowance is covered.
  • Restoration of basic sum insured is provided.
  • Pre-existing diseases have a waiting period of 2 years.
  • Costs for second opinion by panel of doctors is covered.
  • Policyholder is eligible for an extension in policy tenure if he/she stays overseas for a continuous period of more than 15 days.
  • An auto-increase of 10% sum insured is provided for every claim free year up to maximum of 100%
  • Free health check up facility is provided after 2 years from the purchase of policy.
  • Under this plan, 100% of restoration of basic sum insured is provided on occurrence of any unrelated event.
  • Policyholder can opt for a change in plan or enhancement in sum insured.
  • Free look period of 15 days is provided.
  • Pre-existing diseases are covered after a waiting period of 3 years.
  • The policy is subjected for lifelong renewal.

Exclusions under the Liberty Health Connect plans

Any treatment within the first 30 days of cover except any accidental injury.

  • Pre-existing diseases are covered after a continuous period of 48/ 36 and24 months.
  • If hospitalisation is required due to abuse of drugs and alcohol
  • Hospitalisation due to war, acts of war, nuclear, chemical/ biological weapon and radiation of any kind.
  • Intentionally self-inflicted injury or illness.
  • Expenses arising out of HIV or AIDS and related diseases
  • The policy has a waiting period of 30 days
  • Dental treatments or surgery is not covered, unless it requires hospitalization
  • It does not cover cost for treatment taken from anyone who is not a medical Practitioner.
  • Cost of spectacles, contact lenses, hearing aids, routine eye and ear examination is not covered.
  • Any treatment arising out of pregnancy or any related condition like fertility, sterilization and conception is not covered.

The policy provides 1 year exclusion for following diseases

  • Cataract
  • Benign Prostatic Hypertrophy
  • Hernia
  • Hydrocele
  • Fistula in anus
  • Piles
  • Sinusitis and related disorders
  • Fissure
  • Gastric and Duodenal ulcers
  • Gout and rheumatism; internal tumors, cysts, nodules,
  • Polyps including breast lumps (each of any kind unless malignant)
  • Hysterectomy/ myomectomy for menorrhagia or fibromyoma or prolapse of uterus,
  • Polycystic ovarian diseases
  • Skin tumors unless malignant
  • Benign ear,
  • Nose and throat (ENT) disorders and surgeries (including but not limited to adenoidectomy, mastoidectomy, tonsillectomy and tympanoplasty); dilatation and curettage (D&C)
  • Congenital Internal Diseases

The following diseases are covered after 2 year exclusion

  • Calculus diseases of Gall bladder and Urogenital system
  • Diabetes including-Diabetic Retinopathy, Diabetic Nephropathy, Diabetic Foot / wound, Diabetic Angiopathy, Diabetic Neuropathy
  • Hyper / Hypoglycaemic shocks and Hypertension including Cerebro Vascular accident, Hypertensive Nephropathy
  • Internal Bleeds/ Haemorrhages,
  • Coronary Artery Disease
  • Joint Replacement due to Degenerative condition
  • Surgery for prolapsed inter vertebral disc unless arising from accident, Age related osteoarthritis and Osteoporosis, Spondylosis /Spondylitis
  • Surgery of varicose veins and varicose ulcers

Health Connect Supra

Enhancing your health coverage is Health Connect Supra that provides for an additional benefit to your existing basic personal or family health insurance.

The plan is available in two variants

  • Top-up plan : A type of health plan that increases your sum insured at a lower cost. The premium for this plan is calculated on a per claim basis over the specified deductible amount. The sum insured for this plan can go up to 20 lakhs.
  • Super top-up plan : A type of health plan that increases your sum insured at a lower cost. The premium for this plan is calculated on an aggregated per policy year basis over the specified deductible amount. The sum insured for this plan can go up to 1 crore.

Features of Health Connect Supra

  • The plan provides coverage for pre and post hospitalisation that provides cover for consultations, tests and medications.
  • In-patient treatment is covered including room rent, medical practitioner, boarding expenses, ICU, medicines and other related requirements.
  • Day care procedures are covered for over 405 days and do not require hospitalisation.
  • An increase in 10% of sum insured is provided for every claim-free year
  • Provides for cashless claim benefits at over 3600 hospitals
  • Tax benefits under section 80 D of the Income Tax Act 1961.
  • The policy can be enhanced with riders such as reload of sum insured, ayush treatment, world-wide coverage and wellness and assistance program.
  • Pre and post hospitalisation expenses are covered.
  • Under a top-up plan basic sum insured can be Rs. 3-10 lakhs
  • Under a super-top up plan basic sum insured can be Rs. 3-40 lakhs
  • The policy is subjected to lifelong renewal
  • The plan can be changed and an enhancement in sum insured or altercations in deductible can be done at the time of renewal subject to prior approval by the company.
  • 30 days of waiting period is provided except for any bodily injury that is a cause of hospitalisation.
  • Waiting period of 2 years for diseases such as cataract, hernia, fistula in anus, Skin tumors unless malignant, ENT disorders and surgeries, Dilatation and curettage & Congenital Internal Diseases and others.
  • Pre-existing diseases will not be covered until 36 months. Policy Discounts
  • Loyalty discount of 5% is offered if the policyholder has an existing health insurance policy with the brand.
  • Discount of 10% is provided if two or more family members are covered under a single policy.
  • If the policy is purchased for a long-term i.e. for tenure of 2-3 years and if the premium is paid as a single premium, then a discount of 7.5%- 10% is provided.

Optional covers

You can enhance your Health Connect Supra policy with the below listed covers -

  • AYUSH Treatment : This provides coverage for treatment for Ayurveda, Siddha, Unani and Homeopathy in government owned hospital or an institute.

  • World-wide coverage : This provides the policyholder coverage for emergency medical treatments outside India. This cover is only applicable for super-top up plans.

  • Wellness and assistance program : In India, within 150 kilometers from the residence, a policyholder is eligible to procure the below services -

  • Emergency medical evaluation : In case of a medical emergency, this provides coverage for transporation and appropriate medical supervision.

  • Medical consultation and evaluation : This service by the brand enables you to call them 24* 7 to let them arrange immediate referrals to approachable hospitals and qualified doctors.

  • Medical monitoring and case management : The company is in constant touch with the hospital to procure information about your health to legally relay the information to your family members.

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.

Features of Individual Personal Accident Policy

  • It covers accidental death
  • Permanent total disability
  • Permanent partial disability
  • Temporary total disability due to an accident
  • You can opt for value-added covers such as
    • a.) Cost of Repatriation of Mortal Remains
    • b.) Cost of Carrying out the Funeral Ceremony
    • C.) Child Education Benefit.

Below Optional Covers can be opted for

  • Accidental Hospitalisation Expenditure
  • Accidental Hospital Daily Cash
  • Broken Bone
  • Life Support Assistance
  • Ambulance Transportation Charges
  • Family Transportation Benefit
  • Child Education Support Benefit
  • Loan Protector
  • Outstanding Bills Protection Benefit
  • Legal Bail Expenses
  • Double Indemnity

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.

This policy is specifically designed for rural population.

Features of Janta Personal Accident Insurance

  • Minimum entry age is 5 and maximum is 75 years
  • Policy tenure is for 5-18 years
  • Free look period of 15 days is provided
  • The policy provides worldwide coverage
  • The policy is subjected for lifelong renewability
  • 100% capital sum insured is provided in the following events -
    • a. Accidental death
    • b. Loss of limbs (both hands or fee or one hand and foot)
    • c. Irremediable and total loss of sight of both eyes
    • d. Loss of an eye and a limb
    • e. Total or permanent disability caused due to an accident
  • 50% capital sum insured is provided if there’s loss of sight of one eye, or Irremediable and complete loss of use of any/one of the limbs

Claim Process- Liberty General

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.

Review - Health Insurance from Liberty General

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.

Contact Details - Health Insurance from Liberty General

Liberty General Insurance Co. Ltd. Reg Office- 10th floor, Tower A, Penisuala Business Park, Ganpat Rao Kadam Marg, Lower Parel, Mumbai – 400013

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