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Liberty Individual Personal Accident Health Insurance Wordings

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Highlights
Cashless Approval TATWithin 90 minutes
Claim Settlement Ratio98%
COVID-19 Coveryes
Network Hospitals6,000
Pre-existing Disease Waiting Period2 years
Renewabilityyes
Starting Premium of Rs. 5 lakhs SIRs. 526/month

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Liberty Health Insurance Plan List

  • Family (2)
  • Individual (2)
  • Kids (1)
  • Woman (1)
  • Parents (1)
  • Senior Citizen (1)
Name of PlanSum Insured
Liberty Health ConnectMin: 91 Days; Max: 65 Years2 Lakh Check Premium
Secure Health ConnectMin: 91 Days; Max: 65 Years2 Lakh Check Premium
Corona Kavach PolicyMin: 1 Day; Max: 65 Years50,000 - 5 lakh Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Check Premium
Corona Rakshak PolicyMin: 1 day; Max: 65 years50,000 - 2.5 Lakh Check Premium
Individual Personal Accident PolicyMin: 18 years; Max: 70 years1 Lakh - 1 Crore Check Premium
Janata Personal Accident PolicyMin: 5 years; Max: 75 years Check Premium

Liberty Health Insurance Top Up List

  • Family (1)
  • Individual (1)
  • Kids (1)
  • Top-up (1)
Name of PlanSum Insured
Health Connect SupraMin: 91 Days; Max: 65 Years3 Lakh Check Premium
Individual Personal Accident PolicyMin: 18 years; Max: 70 years1 Lakh - 1 Crore Check Premium

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FAQs on Individual Personal Accident Policy Health Insurance Plan

  • Is there any renewal benefit under Personal Accident Policy if I renew my policy next year?

    Yes. You will receive a cumulative bonus of 5% for every claim-free year of insurance subject to a maximum accumulation of 50% of the capital sum insured. 

  • Can I cancel my Personal Accident Policy offered by Liberty General Policy? Will I get a refund for the same?

    Yes. You can cancel your Personal Accident Policy offered by Liberty General Policy. In this case, the premium for the period at risk will be retained according to the short period rates and you will be refunded the balance. No refund will be given when a claim is notified or settled. 

  • What is the entry age for Individual Personal Accident Policy?

    The minimum and maximum entry age to buy Individual Personal Accident Policy is 18 years and 70 years. Dependent children can be covered under this policy if they are aged between 5 years and 25 years. 

  • What are the variants, plan type and sum insured options available under this policy?

    Individual Personal Accident Policy comes with two variants with Capital Sum Insured between Rs. 1 Lakh and Rs. 1 crore: 

    Unit Based Plan 

    • Available on individual sum insured basis
    • Sum insured available ranges from Rs. 10 Lakh and Rs. 1 Crore

    Flexi Plan 

    • Available on individual and family floater sum insured 
    • Sum insured ranges between Rs. 1 Lakh and Rs. 1 crore

  • Will this policy cover me for Individual Personal Accident Policy even if I am out of India?

    Yes. Personal Accident Policy covers you even when you are out of the country. The sum insured will be paid in Indian rupees in case of claim. The claim will be paid in India only.  

Claim Process at Liberty Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

Liberty Health Insurance Contact Details

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