Liberty Health Insurance FAQs

Yes, the company provides the cashless claim facility to the policyholders at the network hospitals.

To avail cashless facility in planned and emergency situation, you must inform the company within 48 hours and 24 hours of hospitalisation respectively.

The Claim Settlement Ratio (CSR) of Liberty General Insurance for FY 2019-20 is 81.03%.

Maximum 4 people can be covered under family floater policy in the combinations of 2 Adults, 2 Adults+1 Child, 2 Adults+2 Children, 1 Adult+1 Child, 1 Adult+2 Children, and 1 Adult+3 Children.

Yes, Liberty General offers a family floater policy by the name of Liberty Health Connect. This plan is also available on an individual basis.

Liberty family health insurance plan is most suitable for someone who wants to get affordable health insurance coverage for themselves and their families. The plan can be bought by people aged between 18 years and 65 years.

Yes. You can change the sum insured of your Liberty family health insurance plan at the time when policy is due to renewal. But note that if the policy is lapsed, then it cannot be renewed and you will also not be able to change the sum insured.

Liberty family health insurance policy offers several advantages to the policyholders, some of which are-lifetime renewability benefit, free health check-up after the policy gets renewed continuously for 2 years, sum insured restoration if it gets exhausted, no co-payment, no room rent capping, and discounts on premiums.

Liberty family health insurance policy covers you for several healthcare expenses such as in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, road ambulance expenses, domiciliary hospitalisation expenses, second medical opinion, organ transplantation expenses, etc.

On the premium paid for Liberty health insurance policy, you can avail tax deductions under Section 80D of the Income Tax Act, 1961. You can avail tax benefits if the premium is paid in any mode other than cash.

Yes. Liberty General Insurance offers lifelong renewability facility under its health insurance policies.

Yes. Liberty General Insurance rewards you with a free medical health check-up after every 2 years of continuous policy renewal irrespective of the claims made under the policy.

Liberty General Insurance provides a free look period of 15 days to the policyholders.

According to IRDAI’s Annual Report, Liberty General Insurance has sold 50,692 policies in the year 2018-19.

The Incurred Claim Ratio of Liberty General according to the IRDAI’s Annual Report for the year 2018-19 is 82%.

You can contact Liberty General Insurance through their toll free number 1800-266-5844. You can even write to them at care@libertyinsurance.in or visit their nearest branch.

You can buy and apply for health insurance policies online from the official website of Liberty General Insurance or through the online broker’s website like InsuranceDekho.

Yes, Liberty General Insurance offers several individual-based health insurance policies. For more details, dial 7551-196-989.

Sum insured options under individual health insurance plans range between Rs. 2 lakh to Rs. 15 lakh.

Yes. If covered under Liberty individual health insurance plan, you can change the sum insured at the time of policy renewal if you are not satisfied with it.

Liberty individual health insurance plan offers several advantages to the insured like lifetime renewability benefit, portability benefit, no co-pay, no sub-limits of any type, but unique loyalty perk benefit, no room rent capping, 50% cost of pre-policy medical check up borne by the insurer if the insured is aged below 55 years, and free health check-up after 2 years of continuous policy renewal.

Liberty individual health insurance plan covers you for pre-hospitalisation and post-hospitalisation expenses, in-patient hospitalisation expenses, organ donor expenses, emergency road ambulance expenses, second medical opinion, etc.

Yes. If covered under Liberty General’s individual health insurance plan, you can avail tax benefits under Section 80D of the Income Tax Act 1961. To avail tax, you must pay the premium in any mode other than cash.

Liberty individual health insurance plan is a good option for single individuals whose family is already insured, individuals with higher risk, and those who are not satisfied with the health insurance plans offered by their employers.

The age criteria for dependent children ranges from 91 days to 25 years.

Kids-centric health insurance plans are available with policy term options for 1 year, 2 years, and 3 years.

Liberty health insurance plan for kids covers children if either or both the parents are covered under the policy. It offers several coverage benefits to the insured members, at affordable premiums. Anyone who is looking forward to availing those benefits should opt for this policy.

Yes. Liberty General Insurance gives you the flexibility to change the sum insured of the policy in case you are not satisfied with the existing one and want more. You can change the sum insured at the time of policy renewal.

Liberty kids health insurance plan offers lifetime renewability benefit, Cover for children up to 25 years if they are financially dependent on parents, wide range of sum insured options between Rs. 3 Lakh and Rs. 15 Lakh, restoration of sum insured benefit, etc.

Liberty kids health insurance plan offers cover for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, road ambulance expenses, organ transplant expenses, domiciliary hospitalisation expenses, second medical opinion, cover for family members, etc.

Yes. On the premium paid for Liberty health insurance plan for kids, you can avail tax benefits under Section 80D of the Income Tax Act, 1961. You can avail the benefit if the premium is paid in any mode other than cash.

Yes. Liberty General Insurance provides cover for 405 daycare procedures under its parents-centric health insurance plans.

The sum insured options under the parents-centric health insurance plans of Liberty General Insurance range from Rs. 2 lakh to Rs. 15 lakh.

Liberty parents' health insurance plan should be purchased by parents or senior citizens who want to get extensive health insurance coverage in their old age.

Yes. If covered under Liberty health insurance plan for parents, you can change the sum insured during the policy term.

Liberty health insurance policy for parents comes with several advantages. These include sum insured options ranging between Rs. 2 Lakh to Rs. 15 Lakh, facility to pay premium in instalments, flexible policy terms for 1 year, 2 years, 3 years, automated perks on every block of two claim-free years, different variants fulfilling different requirements of individuals.

Liberty health insurance plans for parents cover you for in-patient hospitalisation expenses, daily hospital cash benefit, daycare benefits, pre-hospitalisation and post-hospitalisation expenses, emergency ambulance expenses, etc.

Yes. Liberty parents’ health insurance plans offer tax deductions under Section 80D of the Income Tax Act, 1961. There are different slabs for tax benefits offered to different individuals, of which senior citizens can avail the maximum benefit.

Yes, Liberty General Insurance offers the Second Opinion benefit under one of its policies, which is Liberty Health Connect.

Yes. Liberty General Insurance provides cover for pre and post-hospitalisation under its health insurance plans.

The following expenses are covered under in-patient hospitalisation expenses-

• Room, boarding charges
• Nursing expenses
• Intensive care unit bed expenses
• Doctor’s fee
• Surgical fees, operation theatre charges, anesthetist, anesthesia, blood, oxygen and their administration, physical therapy
• Prescribed drugs and medicines
• Laboratory, x-ray, diagnostic tests expenses
• Dressing, ordinary splints, plaster casts, etc.
• Prosthetic and other devices’ expenses

Health insurance portability is a right that a policyholder gets to transfer the credit gained in case he/she switches from one insurer to another.

You can make a request for health insurance portability at the time of policy renewal.

Yes. You get your credits earned for the pre-existing conditions and time-bound exclusions, but only if the previous policy has been maintained without a break.

Premium up to Rs. 25,000 is exempted for self, spouse, and children.

A deduction of Income Tax of Rs. 25,000 is allowed if parents are covered. If parents are Senior Citizens (aged at least 65 years), then the exemption amount increases up to Rs. 30,000.

Paying health insurance premium online is very simple. All you need to do is fill a quote at InsuranceDekho, select the most suitable one from them, and make payment via one of the flexible modes offered. You can also contact the customer care executives on the toll-free number 7551-196-989, share your requirements, and follow instructions.

Yes. The premiums paid for Liberty General health insurance plans qualify for deduction under Section 80D of the Income Tax Act, 1961.

A deduction of Income Tax of Rs. 25,000 is allowed if parents are covered. If parents are Senior Citizens (aged at least 65 years), then the exemption amount increases up to Rs. 30,000.

You can renew the policy online or can visit your nearest branch to renew your Liberty General Insurance policy. You can also seek assistance for renewal from our customer care executives at InsuranceDekho by dialing toll-free number 7551-196-989.

Liberty senior citizen health insurance plan is a must have for someone who wants protection from various healthcare expenses in the golden years of their lives, at affordable premiums.

If you are not satisfied with the sum insured of your Liberty senior citizen health insurance plan, then you can enhance it at the time of policy renewal.

Liberty senior citizen health insurance plan comes with several advantages, some of which include lifetime renewability benefit, portability benefits, free-look period, cover for several major healthcare illnesses, flexible policy terms, several sum insured options between Rs. 2 Lakh and Rs. 15 Lakh, automated additional perks on every block of two claim-free years, and so on.

Liberty senior citizen health insurance plan covers you for daycare expenses, pre-hospitalisation and post-hospitalisation expenses, in-patient hospitalisation expenses, daily cash allowance, road ambulance expenses, etc.

Yes. Liberty senior citizen health insurance policy offers tax benefits to the insured, under Section 80D of the Income Tax Act, 1961. Kindly note that you will not be able to avail tax benefits if you pay the premium in any mode other than cash.

Yes. Premiums paid for health insurance policies of Liberty General Insurance are eligible for tax benefits.

You can enjoy tax benefits on the premium paid for health insurance plans by Liberty General Insurance under Section 80D of the Income Tax Act, 1961.

No. To avail tax benefits, you must pay the health insurance premium for Liberty General’s health insurance plans in any mode other than cash.

Yes. 405 daycare procedures are covered under the top-up plan offered by Liberty General Insurance.

Yes. Liberty General Insurance offer its customers a top-up plan named Health Connect Supra.

The sum insured options for the top-up plan starts at Rs. 3 lakh and go up to Rs. 20 lakh.

One of the major factors that decide health insurance premium for women is AGE. Other factors include pre-existing diseases, sum insured opted, policy tenure etc.

There is no maximum limit other than the sum insured under women-centric health insurance plans offered by Liberty General Insurance.

Liberty health insurance plan for women is ideal for those women who are looking for wider coverage benefits than the ones in the health insurance plans offered to them by their employers. Also, women who do not have an individual health insurance plan can go for this plan as it protects them from women specific diseases.

Yes. You can change the sum insured of your Liberty women health insurance plan if you are not satisfied with it. But note that the sum insured can be enhanced only up to the highest option available under the policy.

Liberty woman health insurance policy offers the insured several advantages. Some of these include lifetime renewability benefit, portability benefit, sum insured restoration benefit, no capping on room rent, co-payment or sub-limits, and e-opinion for free from the insurer's expert panel of doctors.

Liberty women health insurance plan offers numerous coverage benefits to the insured. These include in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, domiciliary hospitalisation expenses, hospital daily cash benefit, etc.

Liberty woman health insurance policy offers tax benefits on the premium paid for them. You can avail the benefit on paying the premium in any mode other than cash, under Section 80D of the Income Tax Act, 1961.