Liberty Health Connect Supra Health Insurance

Health Connect Supra by Liberty General Insurance is more than just a health insurance plan. It is a valuable extension to your basic health insurance policy that enhances your current coverage. This top-up plan is specifically designed to complement your existing individual or family health insurance, providing additional benefits at a lower cost. This plan provides coverage on an Individual and Family Floater basis.

Continue reading to discover further details about the Liberty Health Connect Supra Plan, including its advantages, eligibility criteria, inclusions, exclusions, and more.

Liberty Health Connect Supra Top-Up Insurance At a Glance

Coverage	Individual and Family Floater
Key Features	Lifetime Renewability, Top-up Coverage, etc.
Policy Tenure	1, 2 and 3 Years
Inclusion	In-patient Treatment, Day Care Procedures, etc.
Exclusion	Waiting Period - 30 Days, 2 years and 3 Years
Renewability	Lifetime

Key Features of Health Connect Supra Top-Up

The key features of the Health Connect Supra Top-Up plan are as follows:

• Lifetime Renewability: Health Connect Supra Top-Up offers the peace of mind of lifetime renewability, ensuring ongoing coverage for your health needs throughout your life.
• Top-Up Coverage: Enhance your existing health insurance with this top-up coverage, providing an extra layer of financial protection for unforeseen medical expenses.
• Varied Options for Sum Insured and Deductibles: Choose from a range of Sum Insured and Deductible options based on your preferences and needs.
• No Pre-Policy Health Check-Up Required: If you have a clean health history, you won't need a pre-policy health check-up when applying.
• Single Policy for Individuals and Families: Enjoy the convenience of a single policy that covers both individual and family members. Note that, additional discounts are available when two or more family members are included under the same policy.

Riders Available with Health Connect Supra Top-Up Policy

Here’s the list of riders or add-on covers available with the Liberty Health Connect Supra Top-Up policy:

• AYUSH Treatment: The policy covers medical treatments in Ayurveda, Unani, Siddha, and Homeopathy in government hospitals or institutes recognised by the government. It's important to note that there are no sub-limits on these treatments.
• Worldwide Coverage: This rider ensures that the policy covers you globally in the event of emergency medical hospitalization, providing peace of mind when you're away from home.
• Wellness & Assistance Program: When you're more than 150 kilometers away from your home, within Indian territory, this program provides emergency services, including Medical Consultation, Evaluation and Referral, Medical Monitoring & Case Management, Compassionate Visit, and Emergency Medical Evacuation.
• Reload of Sum Insured: The policy allows the reloading of the sum insured once in a policy year, equivalent to the original sum insured. The sum gets restored when the original sum insured is fully exhausted.

Variants of Liberty Health Connect Supra Top-Up

The two different variants of this Top-Up plan are tabulated below:

Features	Top-Up II	Top-Up III	Super Top-Up I	Super Top-Up II
Sum Insured	Rs. 3, 5, 7 lakhs	Rs. 10, 15, 20 lakhs	Rs. 3, 5, 7, 10, 15 and 20 lakhs	Rs. 10, 15, 20, 30, 50 and 100 lakhs
Deductible	Rs. 2, 3, 4, 5 lakhs	Rs. 5, 7.5 and 10 lakhs	Rs. 2, 3, 4, 5, 7.5 and 10 lakhs	Rs. 10, 15, 20, 30 and 40 lakhs
In-patient Hospitalization	Covered	Covered	Covered	Covered
Pre-Hospitalisation	30 Days	60 Days	30 Days	60 Days
Post-Hospitalisation	60 Days	90 Days	60 Days	90 Days
Day care Procedures	Covered	Covered	Covered	Covered
Loyalty Perk	NA	NA	Auto increase in Sum Insured by 10%, up to a maximum of 100%	Auto increase in Sum Insured by 10%, up to a maximum of 100%

Eligibility Criteria of Health Connect Supra Top-Up Insurance Plan

Find below the eligibility criteria for the Liberty Health Connect Supra Top-Up Plan:

Parametres	Eligibility Criteria
Minimum entry age	Adult: 18 Years Children: 91 Days NOTE: Children under the age of 18 are eligible for insurance coverage as long as at least one parent is covered in the policy.
Maximum age	Adult: 65 Years
Residential Status	Indian Residents

Benefits of Health Connect Supra Top-Up Plan

The following are the benefits of the Liberty Health Connect Supra Top-Up plan:

• Comprehensive Coverage: Health Connect Supra TopUp offers wide-ranging coverage with a sum insured of up to Rs. 1 crore. This provides policyholders with the financial support needed for various medical expenses. Moreover, the plan also allows you to choose from multiple sum insured and deductible options.
• No Pre-Policy Health Check-Up: With this top-up plan, you can experience a hassle-free application process as there is no requirement for a pre-policy health check-up.
• Reload of Sum Insured: The plan provides a unique benefit called Reload, allowing you to restore your existing sum insured. This feature ensures that even if your current sum insured is exhausted due to a claim, you can still have the same sum insured available for any subsequent hospitalization within the same policy year.
• No Co-Pay, No Room Rent Capping, No Sub-Limit: Health Connect Supra TopUp eliminates financial stress by offering a policy with no copay, no room rent capping, and no sub-limits. This means you don't have to share hospitalization medical expenses.
• Worldwide Cover: With Health Connect Supra Top-Up, you can enjoy peace of mind not only in your home country but also during international travel. Yes, the plan provides worldwide coverage from day 1, excluding pre-existing diseases, which are covered after a waiting period of 3 years.
• Loyalty Perk: As a loyalty perk, the plan automatically increases the sum insured by 10% for every claim-free, up to 100% over time, policy year. This encourages policyholders to maintain a healthy lifestyle and renew their policies without any breaks.
• Cashless Claims Benefit: Health Connect Supra TopUp offers the convenience of cashless claims at a vast network of more than 4200 network hospitals. This allows policyholders to focus on their health without the burden of upfront payments and subsequent reimbursement procedures.

Inclusions of Health Connect Supra Top-Up Plan

Stated below are the inclusions of the Health Connect Supra Top-Up plan:

• In-Patient Treatment: This covers expenses for being in the hospital for at least 24 hours due to illness or an accident. It takes care of costs like room rent, boarding, nursing, ICU, medical practitioner fees, medicines, and related expenses.
• Pre and Post Hospitalisation: The insurance covers medical expenses for the days before and after hospitalization. This includes costs for consultations, tests, and medications during these periods.
• Day Care Procedures: The policy covers medical expenses for 400+ day care procedures. These are procedures that don't require a full 24-hour hospital stay.
• Loyalty Perk: As mentioned earlier, for every claim-free policy year, the policy automatically increases the sum insured by 10%, up to a maximum of 100% of the sum insured, if the policy is renewed without any breaks.
• Preventive Care: Under Preventive Care, enjoy additional benefits at no extra cost, including First Medical Opinion, Live Health Talk, Electronic Medical Record Management, and Fortnightly newsletters.

Exclusions of Health Connect Supra Top-Up Plan

The following are the exclusions of this Liberty Health insurance plan:

• 30-day waiting Period Exclusion: Any diseases or illnesses, except for accidental physical harm requiring hospitalization, will not be covered for the first 30 days from the beginning of the policy.
• Two-Year Waiting Period Exclusion: There is a two-year waiting period before the plan covers certain conditions, such as Cataract, Piles, Sinusitis Hydrocele, Hernia, Benign Prostatic Hypertrophy, Fissure, Gastric, and Duodenal ulcers, etc.
• Pre-Existing Condition Exclusion: Coverage for pre-existing conditions or any complications resulting from them will not be provided until 3 years have passed since the inception of your policy.

Documents Required for Health Connect Supra Top-Up Plan

To buy the Health Connect Supra Top-Up Insurance, you must provide the following:

• A correctly filled application form
• Aadhar card
• Passport
• Voter ID
• Driving License
• Birth Certificate
• Passport-sized photos
• Health check-up reports may be required in some cases
• If requested, submit any additional documents asked by the insurance company

How to Buy Health Connect Supra Top-Up Insurance?

To buy the Health Connect Supra Top-Up Plan, follow these steps:

• Step 1: Visit the InsuranceDekho website.
• Step 2: Click on "Health Insurance" under the "Insurance" tab.
• Step 3: Choose "Liberty Health Insurance" from the list of health insurance companies.
• Step 4: Select the "Health Connect Supra Top-Up" plan.
• Step 5: It's important to read the policy document carefully.
• Step 6: Upload the necessary documents for verification.
• Step 7: Complete the online payment for the medical insurance premium.
• Step 8: You will receive the Health Connect Supra Top-Up policy document successfully via email.

Claim Process for Health Connect Supra Top-Up Insurance

Health Connect Supra Top-Up policy can be claimed through two methods:

Cashless Claim

• Visit a hospital affiliated with Liberty Health Insurance.
• Provide your Health Connect Supra Top-Up details and essential information.
• Complete and submit the required documents.
• The insurance company will handle the payment directly with the hospital on your behalf.

Reimbursement Claim

• Choose a hospital within Liberty Health Insurance's network.
• Settle your medical bills at the selected hospital.
• Initiate a reimbursement claim on the insurance company's website.
• Fill in and submit the Health Connect Supra Top-Up claim form with the necessary details.