Liberty Secure Health Connect

Overview of Liberty Secure Health Connect Policy

The Secure Health Connect policy, designed by Liberty Health Insurance, offers comprehensive coverage with sums insured ranging from INR 2 lakh to 15 lakh. The plan is an individual and family floater plan, allowing you to cover yourself, your spouse, and a maximum of 3 children under a single sum insured.

Key Coverage Features

• In-patient hospitalization expenses
• Pre and post-hospitalization expenses
• Daycare treatments
• Road ambulance cover
• Lifelong renewal
• Tax benefits
• Other additional features for customization

The entry age for adults is 18 to 65 years, while for dependent children, it is 91 days. Liberty Secure Health Connect customers can avail of cashless hospitalization facilities from 5,000 network hospitals across the country. The health insurance plan has an initial waiting period of 30 days and a 48-month waiting period for pre-existing diseases.

Liberty Health Insurance offers a claim assurance guarantee where the insurance provider responds to your cashless claim request within 6 hours. If they are unable to do so, you are entitled to up to INR 1,500 per hospitalization. Secure Health Connect is a flexible health insurance policy with 1, 2, or 3-year policy terms for customers to select their preferred tenure.

Liberty Secure Health Connect at a Glance

• Claim Assurance: INR 1,500 reimbursed to the customer if cashless claim not processed within 6 hours
• Network Hospitals: 5,000+
• No Claim Bonus: 25% every claim-free year, up to 100% of the Sum Insured
• Co-Payment Option: 10% co-pay for non-network hospitals; 10% co-pay for insured individuals above 60 years

Benefits of Liberty Secure Health Connect

Liberty Secure Health Connect offers numerous benefits that act as a financial safety net for customers. Listed below are some of the benefits provided by Liberty Secure Health Connect.

Plan Variants

There are 4 different plan variants offered under the Secure Health Connect Policy for convenience:

• Secure Basic: Sums Insured of INR 2, 3, 4, 5 Lakh
• Secure Elite: Sums Insured of INR 2, 3, 4, 5, 7.5, 10 Lakh
• Secure Supreme: Sums Insured of INR 3, 4, 5, 7.5, 10 Lakh
• Secure Complete: Sums Insured of INR 2, 3, 4, 5, 7.5, 10, 15 Lakh

Stay Fit Perks

Liberty Secure Health Connect motivates customers to stay fit by providing additional perks for every 2 claim-free years, as per the policy terms and sum insured opted.

Claim Assurance Feature

The Liberty Secure Health Connect policy assures its customers with a claim assurance feature: if a cashless claim request is not processed within 6 hours, the insurer offers up to INR 1,500 per hospitalization.

Optional Covers

Customers can enjoy optional covers such as:

• Reload of Sum Insured: Allows the sum insured to be reloaded equivalent to the original sum insured.
• Enhanced Cumulative Bonus: Individuals can opt for an enhanced cumulative bonus, calculated as (Cumulative Bonus + Optional Cover Cumulative Bonus) per year, based on the plan chosen.
• Waiver of Medical Expenses Sub-limits: Under this optional benefit, sub-limits specified in the policy schedule are waived off.

Tax Benefits

Premiums paid for the Liberty Secure Health Connect policy are eligible for tax benefits under Section 80D of the Income Tax Act of India.

Exclusions

• Admission primarily for investigation and evaluation.
• Admission primarily for rest cure, rehabilitation, and respite care.
• Circumcision, sex change surgery, cosmetic surgery, and plastic surgery.
• Substance abuse and self-inflicted injuries.
• Obesity/Weight Control.
• Hazardous sports, war, terrorism, civil war, or breach of law.
• Experimental, investigational, or unproven treatments.
• Excluded providers.
• Dietary supplements and substances that can be purchased without a prescription.
• Refractive error.
• Sterility and infertility.
• Maternity expenses.

Claim Process for Liberty Secure Health Connect

The insurer has its own in-house claim settlement process called Liberty Health 360, which assists customers as required. For planned admissions, claims must be registered at least 48 hours prior. For emergency hospitalization, intimation is required within 24 hours of admission.

Documents Required for Claim Process

The documents required for the claim process are as follows:

• Pre-authorization claim form
• Photocopy of identity proof
• Discharge summary
• Payment receipt
• First consultation letter and hospital prescriptions
• Invoice or bills for implants (if any)

For claims, individuals can contact Liberty Health Insurance at their customer care number 18002665844 (08:00 AM to 08:00 PM, all days a week) or email their request to [email protected].

In a Nutshell

Liberty Secure Health Connect customers can customize their plan as per their requirements with 4 different plan variants and sum insured options available. The plan covers hospitalization expenses, daycare treatments, provides regular health check-ups, and offers stay-fit perks. With optional covers like reloading of the sum insured, enhanced cumulative bonus, and waiver of medical expenses sub-limits, policyholders can modify and utilize the plan effectively.