Liberty Health Insurance Overview
Liberty Health Insurance commenced operations in 2013 in India as a joint venture between Liberty Citystate Holdings PTE Ltd, a group company of US-headquartered Liberty Mutual Insurance Group, and DP Jindal Group, an industrial conglomerate.
Liberty Health Insurance provides comprehensive retail, commercial, and industrial insurance solutions. The company has an employee strength of over 1,200 across 110 offices in 95 cities across 29 states. Its partner network consists of over 5,000 network hospitals.
Key Highlights
- 6,000+ Network Hospitals
- 110 Offices PAN India
- 2 Crore Policies Issued
- 15-day Free Look Period
- 24x7 Customer Support
Features That Set Liberty Health Insurance Apart
- Attractive Renewal Benefits
- Loyalty Benefits
- Emergency ambulance services
- International travel for treatments
- Unlimited teleconsultations
Liberty Health Insurance Awards and Accolades
- Business Leader Of The Year 2021 Award
- Asia's Best Emerging Insurance Company Award
- National Award For Marketing Excellence
- ACEF Asian Leadership Awards
- Most Influential Retail Leaders
Why Choose Liberty Health Insurance?
- Versatile and affordable health insurance plans for every need
- 24x7 customer support for easy claim settlement
- Over 5,000 network hospitals across India
- Comprehensive coverage at affordable premiums
- Tax benefits under Section 80D of the Income Tax Act
What Is Covered Under Liberty Health Insurance?
Pre and Post Hospitalization Expenses
Liberty Health Insurance understands the impact of rising medical expenses. Thus, their insurance products cover pre- and post-hospitalization expenses related to inpatient hospitalization.
AYUSH Treatments
Most Liberty Health Insurance plans have in-built alternative treatment cover which you can utilize. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.
Hospitalization Expenses
Liberty Health Insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, and doctor consultations.
Day Care Treatments
Multiple procedures do not require 24-hour hospitalization. With this in mind, a majority of Liberty Health Insurance plans are designed to cover daycare procedures for policyholders.
Domiciliary Hospitalization
On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. Liberty Health Insurance plans cover domiciliary hospitalization up to specified sub-limits.
What Is Not Covered By Liberty Health Insurance?
Self-Inflicted Injuries
Liberty Health policies will not cover injuries or hospitalization caused by self-harm.
Cosmetic Procedures
Liberty Health Insurance plans do not cover any cosmetic surgeries or treatments.
Adventure Sports
Liberty Health Insurance plans will not cover you for hospitalizations or accidents caused by adventure sports.
Obesity or Weight Control Treatments
Liberty Health Insurance plans do not cover treatments related to obesity and weight management, such as bariatric surgeries.
Involvement In Illegal Activities
Liberty Health Insurance plans do not cover individuals or families for hospitalization or injuries caused due to illegal activities.
What Are The Different Waiting Periods In Liberty Health Insurance Plans?
The various waiting periods associated with Liberty Health plans are:
Initial Waiting Period
Begins from the date of policy purchase and typically lasts for up to 30 days for most Liberty Health Insurance plans.
Pre-existing Disease Waiting Period
Liberty Health Insurance plans require specific waiting periods if you are diagnosed with pre-existing diseases (PEDs) such as hypertension, diabetes, or others.
Survival Period
Similar to waiting periods, Liberty Health Insurance plans with critical illness coverage include a survival period. During this time, policyholders diagnosed with a listed critical illness must survive the specified period to be eligible for coverage benefits.
Liberty Health Insurance Plans Buying Process
If you are looking to purchase Liberty Health Insurance online, follow these simple steps:
- Visit the PolicyX website, and enter your details such as name, age, number of members to be covered, and city.
- Click on 'Get free quotes' and compare Liberty Health Insurance plans based on your needs.
- Select and pay premiums online for your chosen Liberty Health Insurance plan.
- Our team of insurance experts at PolicyX will provide you with all necessary assistance regarding claims and other queries after purchasing your Liberty Health Insurance plan.
Documents Required For Liberty Health Policy Claim Settlement
Submit the following documents when filing for Liberty Health claims:
- Duly completed and signed claim form (original).
- Valid photo-ID proof.
- Medical practitioner's referral letter and prescription.
- Original bills, receipts, and discharge summary from the hospital/medical practitioner.
- Original bills from pharmacy/chemists.
- Original pathological/diagnostic test reports, radiology reports, and payment receipts.
- Indoor case papers.
- First Information Report (FIR) and final police report, if applicable.
- Post-mortem report, if conducted.
- Any other document required by the company to assess the claim.
How To Claim Liberty Health Insurance Plan?
You can file for cashless as well as reimbursement claims for your Liberty Health Insurance Plans by following these easy steps:
- Present your Mediclaim Card and request the cashless facility at the network hospital's bill desk/insurance desk/TPA desk.
- Fill out the pre-authorization form provided by the hospital with the required details and submit the duly signed form.
- The hospital will send the claim form and other medical documents to [email protected].
- If your claim request is in order, Liberty will provide initial authorization within 1 hour of receiving complete information, and final discharge authorization within 3 hours of complete document submission.
Liberty Health Insurance Renewal Process
Follow these steps for Liberty Health Insurance policy renewal:
- Visit the official website of Liberty Health Insurance Company and click on 'Renew Policy' on the home page.
- Enter your Policy Number and Date of Birth.
- Click on Submit.
For assistance with Liberty Health Insurance policy renewal, contact our insurance experts at 1800-4200-269.
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