Liberty Health Connect Health Insurance
Cashless Approval TAT | Within 90 minutes |
Claim Settlement Ratio | 98% |
COVID-19 Cover | yes |
Network Hospitals | 6,000 |
Pre-existing Disease Waiting Period | 2 years |
Renewability | yes |
Starting Premium of Rs. 5 lakhs SI | Rs. 526/month |
About Liberty Health Connect Health Insurance
Liberty Health Connect Policy is an individual cum family-based medical insurance policy that takes care of all your healthcare and hospitalisation needs. The policy can be tailored as per your needs. It comes with 4 plan options: E-Connect, Basic, Elite, and Supreme. Each plan comes with different sum insured options, such as E-Connect from Rs. 3 Lakh to Rs. 7.5 Lakh, Basic plan from Rs. 2 Lakh to Rs. 10 Lakh, Elite plan from Rs. 3 Lakh to Rs. 15 Lakh and similarly, the Supreme Plan from Rs. 2 Lakh to Rs. 15 Lakh with many other benefits.
Liberty Health Connect comes with extensive coverage benefits, such as in-patient treatment, pre and post-hospitalisation, daycare treatment, domiciliary hospitalisation, organ donor transplant, nursing allowance and many others. The family floater option under the Liberty Health Connect policy can be used to extend the cover to the policyholder’s spouse, dependent children, parents, and parents-in-law.
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Key Inclusions and Exclusions of the Plan
What's Included
- Post-hospitalisation for 60 days in E-connect and 90 days in Basic, Elite and Supreme plans
- Domiciliary hospitalisation treatment up to 10% of the sum insured in all plans
- Emergency ambulance charges Rs. 1500 in E-connect & Basic and Rs. 2000 in Elite & Supreme
- Second Opinion is covered by all the four plans of the Health Connect policy
- Expenses incurred during inpatient treatment hospitalisation are covered under the policy
- Pre-hospitalisation for 30 days in E-connect and 60 days in Basic, Elite and Supreme plans
What's Not Included
- Medical expenses directly or indirectly related to HIV, AIDS or related complex diseases
- Abuse of hallucinogenic, intoxicant or substances like alcohol and intoxicating drugs
- Mental disorders, congenital diseases, weight control programme and cosmetic surgery
- Any treatment for refractive eye errors, unless it’s caused by an accident
- Injury or ailment occurred due to war, invasion, warlike situations, enemy, etc.
- Robotic assisted surgery, Light Amplification by Stimulated Emission of Radiation (LASER)
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Liberty Health Connect Expert Review
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Major Attractions
Liberty Health Connect has many other attractions to offer. It doesn’t let the policyholder spend even a single penny when a medical condition strikes. This is possible because the insurer has partnered with thousands of top-class hospitals for cashless treatment. Some key attractions of the policy are:
- Family discounts of 10% for covering more than two members on the Individual sum insured basis
- Restoration of the sum insured if the basic sum insured gets exhausted
- 7.5% discount on the full premium payable against the 2-year policy duration
- Free health check-up after 2 years of policy renewal without any break
- No room rent capping or sub-limits. So, you can choose the best room category in the hospital
- 10% of auto-increase in the sum insured in every claim-free year
- No charge for getting a second medical opinion from the insurer’s panel of doctors
- No co-pay option thus no sharing of the hospitalisation medical costs
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What’s More?
Aside from the above attractions, Liberty Health Connect comes with many other benefits that make it a one-stop product to meet all your needs. Going further, below are some other features of the policy:
- Recovering benefits by paying a lump sum amount in case of hospitalisation for more than 10 days
- Extension of the policy tenure without additional costs if you’re out of the country
- Free-look period of 15 days to cancel the policy and get the refund
- Lifelong renewal of the policy in a hassle-free manner
- Dedicated third-party support for claim settlement
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Conclusion
While there may be different dimensions to an affordable and good health insurance policy, one primary aspect is making sure that coverage is valuable and the insurer is working to serve your interests. Liberty Health Connect is a well-crafted health insurance policy, the premium of which is worth the cover.
To speed up the policy purchase process, it is advisable to go for the online mode where you can cultivate sizeable benefits. If you buy the policy online at InsuranceDekho, you get the opportunity of comparing different health insurance policies for free, getting the best quotes, and availing quality support.
Claim Process at Liberty Health Insurance
FAQs on Liberty Health Connect Health Insurance Plan
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Can I buy Liberty Health Connect Policy online?
Yes, you can buy Liberty Health Connect policy online by visiting the official website of Liberty General Insurance. You can also buy the policy by calling InsuranceDekho at 1800-120-5698. Our experts will help you buy the plan at your convenience.
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What are the coverage benefits I can get from the Liberty Health Connect Policy?
Liberty Health Connect policy comes with extensive coverage benefits, such as inpatient treatment, daycare treatment, pre-hospitalisation, post-hospitalisation, domiciliary treatment, emergency local road ambulance charges, organ donor expenses, second opinion and so on.
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What are the minimum and maximum entry age criteria to buy Liberty Health Connect policy?
The minimum entry age is 91-25 days for children and 18 years for adults. The maximum entry age is 65 years.
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Is the premium paid against the Liberty Health Connect policy exempted from Income Tax?
Yes, the premium paid against the Liberty Health Connect policy is exempted from the Income Tax under section 80D of the Income Tax Act.