Liberty Health Insurance Top-up & Super Top-up Plans

A top-up plan is a smart health insurance investment. Additional protection, the top-up plan helps in gaining extended coverage other than the one that comes with the primary health insurance. A top-up plan can be considered a supplementary plan that allows you to enjoy increased health insurance coverage at an affordable premium cost.

Quite similar to super top-up, top-up plans become active when the claim amount crosses the threshold limit or deductible. One of the major differences between top-up and the super top plan is that while top-up plans cover a single claim above the threshold limit, super top-up plans cover the total of all hospitalisation bills above the threshold limit.

Liberty General Insurance Health Connect Supra

Health Connect Supra is the ultimate additional health insurance you need to expand your health coverage. Offering the much-desired financial support, the top-up works in favour of both, individual as well as families. A plan worth the time and money, Health Connect Supra comes in the form of two variants, namely top-up plan and Super top-up plan. Easily available on both, individual and floater sum insured basis, Health Connect Supra is that addition to your existing basic individual or family health insurance that grants you superior financial cover over and above the basic sum assured amount in your policy.

Key Benefits of Health Connect Supra

Liberty General Insurance’s Health Connect Supra is the ultimate combination of low premium and high coverage. While the Health Connect Supra top-up variant allows an increase in sum insured over the specified deductible amount applied on per claim basis, the super top-up variant allows an increase in sum insured over the specified deductible amount applied on aggregate per policy year. Available for a policy term of 1 year, 2 years, and 3 years, Health Connect Supra comes with multiple sum insured and deductible options to choose from. Talking about benefits, the policy offers one with an extraordinary coverage for a diverse range of expenses including inpatient hospitalisation, pre-hospitalisation and post-hospitalisation, preventive care and others like:

• 405 daycare procedures
• AYUSH treatment (optional cover)
• Worldwide coverage (optional cover)
• Reload of sum insured (optional cover)
• Loyalty perks (available for Super top-up)
• Wellness and Assistance Program (optional cover)

Who Can Buy this Plan?

Health Connect Supra can be purchased by anyone. Nonetheless, the minimum entry age is 91 days, while the maximum entry age is 65 years.

Waiting Period Under the Plan

Health Connect Supra comes with a waiting period of 36 months for pre-existing diseases. Moreover, while there is a waiting period of 30 days for all disease/illness contracted other than accidental bodily injury requiring hospitalisation, waiting period for treatment of specified diseases is 24 months.

Renewability of the Plan

Liberty General Insurance Health Connect Supra is available with the feature of lifelong renewability.

Exclusions Under the Plan

• External congenital anomaly
• Costs of donor screening and organ
• Non-allopathic treatment, except for the ‘AYUSH Coverage’
• Treatment of mental illness, stress, psychiatric or psychological disorders
• Any dental treatment or surgery unless requiring hospitalisation arising out of an accident