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Liberty Secure Health Connect
Secure Health Connect policy, designed by Liberty Health Insurance, offers comprehensive coverage with a wide range of sums insured from IN…
- Cataract
- Covid-19 treatment
- ICU charges
Liberty General Insurance
Liberty General Insurance
Liberty General Insurance commenced operations in 2013, aiming to provide comprehensive retail, commercial, and ...Read More
6,000+
Cashless hospitals
97.64%
Claim settlement
30 Lakh
Max sum insured
2
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,699 reviews
🏥 6,000+ hospitals
📊 1.75x solvency ratio
✅ 97.64% claim settlement
What you get with Liberty General Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 30 Lakh
Coverage scales from entry-level individual plans to high-end family-floater protection.
6,000+ cashless hospitals
Direct billing at network hospitals across 110 presence — no out-of-pocket payment at admission.
97.64% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
1.75x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
2 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
About Liberty General Insurance
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
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 1200 across 110 offices in 95 cities across 29 states. Its partner network consists of over 5000 network hospitals.
Key Highlights:
- 6000+ Network Hospitals
- 110 Offices PAN India
- 2 Cr 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
Choose Liberty General Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
All 2 Liberty General Insurance plans
Every plan currently being sold by Liberty General Insurance, shown side-by-side so you can shortlist quickly.
Liberty Janta Personal Accident Policy
Janta Personal Accident Policy, designed by Liberty Health Insurance, caters to customers in rural India. The Janata Personal Accident Poli…
- Personal Accident Cover
- Worldwide Cover
- Lifelong Renewability
Quick comparison
Side-by-side across the 2 most-bought Liberty General Insurance plans on PolicyX.
| Feature | Liberty Secure Health Connect | Liberty Janta Personal Accident Policy |
|---|---|---|
| Plan type | Individual and Family Health Insurance | Accident Health Insurance |
| Sum insured | 2 Lakh, 3 Lakh, 4 Lakh, 5 Lakh,… | NA |
| Entry age | Minimum: Child: 91 Days to 25 Years, Ad… | Minimum: 18 Years, Child: 5 to 18 Years… |
| Top benefits | Cataract · Covid-19 treatment | Personal Accident Cover · Worldwide Cover |
What's covered — and what's not
The standard inclusions and exclusions across Liberty General Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
✓ Inclusions
- Liberty Health Insurance understands the impact of rising medical expenses. Thus, their insurance products cover pre- and post-hospitalization expenses related to inpatient hospitalization.
- Most Liberty Health Insurance plans have in-built alternative treatment cover which you can utilize. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.
- Liberty Health Insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, and doctor consultations.
- 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.
- 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.
✗ Exclusions
- Liberty Health policies will not cover injuries or hospitalization caused by self-harm.
- Liberty Health Insurance plans do not cover any cosmetic surgeries or treatments.
- Liberty Health Insurance plans will not cover you for hospitalizations or accidents caused by adventure sports.
- Liberty Health Insurance plans do not cover treatments related to obesity and weight management, such as bariatric surgeries.
- Liberty Health Insurance plans do not cover individuals or families for hospitalization or injuries caused due to illegal activities.
Documents required
For policy purchase and claim submission. Have these ready before you start.
- 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.
Waiting periods
When specific benefits become claimable after policy start.
What Are The Different Waiting Periods In Liberty Health Insurance Plans?
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.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
If you are looking to purchase Liberty Health Insurance online, follow these simple steps:
- Step 1: Visit the PolicyX website, 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 based on your needs.
- Step 3: Select and pay premiums online for your chosen Liberty Health Insurance plan.
- Step 4: 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.
You can file for cashless as well as reimbursement claims for your Liberty Health Insurance Plans by following these easy steps:
- Step 1: Present your Mediclaim Card and request the cashless facility at the network hospital's bill desk/insurance desk/TPA desk.
- Step 2: Fill out the pre-authorization form provided by the hospital with the required details and submit the duly signed form.
- Step 3: The hospital will send the claim form and other medical documents to [email protected].
- Step 4: 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.
Follow these steps for Liberty Health Insurance policy renewal:
- Step 1: Visit the official website of Liberty Health Insurance Company and click on 'Renew Policy' on the home page.
- Step 2: Enter your Policy Number and Date of Birth.
- Step 3: Click on Submit.
For assistance with Liberty Health Insurance policy renewal, contact our insurance experts at 1800-4200-269.
Frequently asked questions
The 15 most-asked questions about Liberty General Insurance, answered.
You can make any number of claims till a specific cap is prescribed to you under the plan.
The Liberty Health Insurance offers three modes of payment: Cash payment at your nearest branch, Credit card/ Debit card, Net Banking
Visit the nearest brand to check the policy status.
Age Gender Profession Pre-existing diseases Medical condition Smoking practices
One can include up to 4 members under the family floater policy of Liberty Medical Insurance.
Yes, Liberty General Health Insurance comes with a free-look period of 15 days, wherein one can cancel their policy if they are not happy/satisfied with the terms and conditions.
No, the company does not ask for any pre-medical check-up renewing your Liberty Medical Insurance policy, provided, there is no break in the policy.
Yes, you can. To do so you need to get in touch with the company by calling them on their toll-free number (1800-266-5844) or sending an email to [email protected]
At Liberty Health Insurance various health insurance plans are available satisfying different needs of policyholders. Here are some of the plans you can buy with Liberty Health Insurance: Liberty Health Connect Policy Health Connect Supra Individual Personal Accident Policy Janta Personal Accident Insurance Policy Medical condition Secure Health Connect
A cashless facility allows policyholders to get hospitalized and receive all the necessary treatments or surgeries and other procedures without having to worry about any medical bills.
As a policyholder, you need to inform Liberty General Insurance within 24 hours of unexpected hospitalization and 48 hours prior to any planned hospitalization.
You can cancel the insurance policy by giving 15 days notice in writing to the company. Suppose no claim is made during the policy. In that case, LGI shall, from the date of receipt of a notice to cancel the medical insurance policy, refund the premium for the balance policy as per the terms and conditions laid in the health insurance policy document.
The first step is to notify the TPA or the company by calling their toll-free number or emailing them. Keep the following documents in mind before starting the claim process: Policy health number Name of the insured/insured person availing treatment Details of the illness, disease or injury Any other relevant information
Yes, AYUSH treatments are covered under the health insurance plans provided by Liberty Health Insurance.
Liberty Health Insurance rewards the loyalty of its customers by providing for an auto increase in the sum insured by 10% on the sum insured for every claim-free year, which is capped at 100% of the sum insured. It is only applicable if the health insurance policy is renewed with us without a break.
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Customer satisfaction
Aggregate ratings from 2,699 verified PolicyX customers who bought a Liberty General Insurance plan.
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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