Liberty General Insurance
Liberty General Insurance commenced its operations in the year 2013 with the aim of providing comprehensive retail, commercial and industrial insuran...Read More
Network hospitals
6000+
Incurred claim ratio
98%
Sum insured
Up to30 Lakh
No. of Plans
2
Solvency Ratio
3
Pan India Presence
110+
Liberty Health Insurance Overview
Liberty Health Insurance commenced operations in 2013 in India and is 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 1200+ over 110 offices in 95 cities across 29 states. Its partner network consists of about 5000+ network hospitals.
What are some of the
Features
that set them apart?
-
1
Attractive Renewal Benefits
-
2
Loyalty Benefits
-
3
Emergency ambulance services
-
4
International travel for treatments
-
5
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
Best Selling Liberty General Insurance Plans
Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family
-
Accident Health Insurance
Liberty General Insurance Plans Eligibility Approximate Annual Premiums Liberty Janta Personal Accident Policy Entry Age - Minimum: 18 Years, Child: 5 to 18 Years, Maximum: 75 Years
Sum Insured - Up to NARs. NA
-
Individual and Family Health Insurance
Liberty General Insurance Plans Eligibility Approximate Annual Premiums Liberty Secure Health Connect Entry Age - Minimum: Child: 91 Days to 25 Years, Adult: 18 Years
Sum Insured - Up to 15 LRs. NA
Key Features Of Liberty General Insurance
Let us take a look at some unique features of top-selling Liberty General Insurance policies:
For Accident Health Insurance
Liberty Janta Personal Accident Policy
Janta personal accident policy designed by Liberty Health Insurance is designed specifically to cater to customers settled in rural India. The policy covers individuals and dependent children from the age of 5 years to 18 years.
Why do we recommend this?
- Worldwide Coverage
- Cover your family members
- Lifelong Renewability
For Individual and Family Health Insurance
Liberty Secure Health Connect
The plan is an individual and family floater plan wherein you can cover yourself, your spouse, and a maximum of 3 children under a single sum insured. Secure Health Connect policy offers comprehensive coverage, and other additional features for further customization of the plan as per requirement.
Why do we recommend this?
- Stay Fit Perks
- Tax Benefits
- Reload of Sum Insured
Explore other Liberty General Insurance
To cater to the different medical needs of an individual & their family, Liberty General Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to Liberty General Insurance plans explore more:
Accident Health Insurance
Janta personal accident policy designed by Liberty Health Insurance is designed specifically to cater to customers settled in rural India. The Janata...
Unique Features
- Personal Accident Cover
- Worldwide Cover
- Lifelong Renewability
Liberty Janta Personal Accident Policy (Pros)
- Personal Accident Cover
- Worldwide Cover
- Lifelong Renewability
Liberty Janta Personal Accident Policy (Cons)
- Pre-existing diseases not covered
- Death or disablement due to war
- Self-harm or suicide attempt
Liberty Janta Personal Accident Policy (Other Benefits)
- Loss of limbs
- Loss of an eye
- Complete loss of eyesight in both eyes
Liberty Janta Personal Accident Policy (Eligibility Criteria)
- Minimum: 18 Years
- Child: 5 to 18 Years
- Maximum: 75 Years
Individual and Family Health Insurance
Secure Health Connect policy designed by Liberty Health Insurance offers comprehensive coverage with a wide range of sums insured from INR 2 lac to 15...
Unique Features
- Wide Sum Insured Options
- Stay-fit Perks
- 6-hour Claim Assure
Liberty Secure Health Connect (Pros)
- Cataract
- Covid-19 treatment
- ICU charges
Liberty Secure Health Connect (Cons)
- Illegal activities
- Alcoholism and drug abuse
- Adventure sports
Liberty Secure Health Connect (Other Benefits)
- Ambulance cover
- Health check-ups
- Co-payment
Liberty Secure Health Connect (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 15 L
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Liberty Health Insurance
Why Choose Liberty Health Insurance?
- Versatile and affordable health insurance plans for every need
- 24X7 customer support for easy claim settlement
- Over 5000 network hospitals all over India
- Offers comprehensive coverage at affordable premiums
- Tax benefits under Section 80D of the Income Tax Act
What is Covered?
Pre and Post Hospitalization Expenses
Liberty Health Insurance understands the impact of rising medical expenses. Thus, they have made sure that their insurance products contain 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 to your benefit. 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, doctor consultations, etc.
Day Care Treatments
Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the Star 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?
Self Inflicted Injuries
Liberty's health policies will not cover injuries or hospitalization caused by self-harm.
Cosmetic Procedures
Liberty Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
Adventure Sports
Liberty Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.
Obesity or Weight Control Treatments
Liberty Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
Involvement In Illegal Activities
Liberty Health Insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful 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 purchase and lasts for up to 30 days for most Liberty Health Insurance plans.
Pre-existing Disease Waiting Period
Liberty Health Insurance plans require you to serve specific waiting periods in case you are diagnosed with PEDs such as hypertension, diabetes, or any other.
Survival Period
Like waiting periods, Liberty health insurance plans with critical illness coverage have a survival period. During this period policyholders diagnosed with any listed critical illness must outlive the survival period to enjoy coverage benefits.
Liberty Health Insurance Plans Buying Process
If you are looking forward to purchasing Liberty Health insurance online follow the simple steps below:
- Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare Liberty Health Insurance Plans as per your needs.
- Step 3
Select and pay premiums online for the purchased Liberty health insurance plan of your choice.
- Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Liberty Health Insurance plan.
Liberty Health Insurance Renewal Process
Follow the steps for Liberty Health Insurance policy renewal
- Step 1
Visit the official website of Liberty Health Insurance Company and click on 'Renew LGI Policy' on the home page.
- Step 2
Mention your ‘Policy Number’ and ‘Date Of Birth’
- Step 3
Click on Submit
Connect with our insurance experts for Liberty health insurance policy renewal at 1800 - 4200 - 269
Liberty Health Insurance Plan Claim Process Steps
You can file for cashless as well as reimbursement claims for your Liberty Health Insurance Plans by following these easy steps:
- Step 1
Show your Mediclaim Card and ask for the cashless facility at the bill desk/insurance desk/TPA desk of the network hospital.
- Step 2
Fill in the pre-authorized form provided by the hospital with the required details. Submit the duly filled and signed form at the hospital.
- Step 3
The hospital should send the claim form and other medical documents to preauth@libertyinsurance.in
- Step 4
If Liberty does not find any issues with your claim request, your claim will be given initial authorization within 1 hour of receipt of complete information and the final discharge authorization will be given within 3 hours of complete document submission
Documents Required For Liberty Health Policy Claim Settlement
Submit the following documents when filing for Liberty health claims:
- Duly completed and signed claim form, in original
- Valid photo-ID proof
- Medical practitioner's referral letter and prescription
- Original bills, receipts, and discharge cards from the hospital/medical practitioner
- Original bills from pharmacy/chemists
- Original pathological/diagnostic tests reports/radiology reports and payment receipts
- Indoor case papers
- First Information Report, final police report, if applicable
- Post-mortem report, if conducted
- Any other document as required by the company to assess the claim
More Queries?
If you have any more queries regarding
Plans,
Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269
now!
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Written By: Naval Goel
Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.
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