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 lac. 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 covers in-patient hospitalization expenses, pre and post-hospitalization expenses, day care treatments, road ambulance cover, lifelong renewal, tax benefits, and other additional features for further customization of the plan as per requirement. The entry age for adults is 18 years to 65 years. Whereas, for dependent children, the entry age is 91 days. Liberty secure health connect customers can avail of cashless hospitalization facilities from 5000 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 to its customers 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 1500 per hospitalization. Secure health connect is a flexible health insurance policy with 1/2/3 years of policy term for customers to select their policy tenure.
There are a plethora of benefits involved with Liberty Secure Health Connect that act as a financial safety net for customers in the face of adversity. Listed below are some of the benefits provided by Liberty Secure Health Connect.
Plan Variants There are 4 different plan variants offered under Secure Health Connect Policy for the customer’s own convenience
Secure Basic - 2,3,4,5 Lac
Secure Elite - 2, 3, 4, 5, 7. 5, 10 Lac
Secure Supreme - 3, 4, 5, 7.5, 10 Lac
Secure Complete - 2, 3, 4, 5, 7.5, 10, 15 Lac
Stay Fit Perks Liberty Secure Health Connect keeps their customers motivated in order to help them stay fit by providing them with automated additional perks on every block of 2 claim-free years as per the terms and conditions of the policy SI and term opted.
Claim Assurance Feature Liberty secure health connect policy assures its customers with a claim assurance feature wherein if customers raise a cashless claim request and it has not been attended to within 6 hours of the request raise, the insurer offers up to INR 1,500 per hospitalization to the customer.
Optional Covers Customers can enjoy optional covers such as:
Reload of Sum Insured - states that the sum insured can be reloaded equivalent to the original Sum Insured opted.
Enhanced Cumulative e Bonus - Individuals can avail enhanced cumulative bonus as per the formula generated by the insurers wherein (Cumulative Bonus + Optional Cover Cumulative Bonus ) per year shall be enhanced by opting for this option and as per the Plan opted.
Waiver of medical expenses sub-limits - Under this optional benefit sub-limits, as specified in the policy schedule are waived off by opting this Optional Cover
Tax Benefits Premiums paid towards the liberty secure health connect policy are eligible for tax benefits as per the Income Tax Act of India.
Eligibility Criteria for Liberty Secure Health Connect
We have mentioned below the eligibility criteria required before you invest in the health insurance plan:
Child Entry Age
Minimum: Child: 91 Days to 25 Years Adult: 18 Years
Adult Entry Age
Maximum: No Limit
Sum Insured
2 L | 3 L | 4 L | 5 L | 7. 5 L | 10 L | 15 L
Plan Type
Individual/Family Floater
Policy Term
1/2/3 Year
Initial Waiting Period
30 Days*
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Choose Your Liberty Secure Health Connect
In-patient & Out-patient coverage
Room Rent
Up to INR 3,000/day
ICU Charges
up to INR 6000 /day
Pre-Hospitalization
Covered up to 30 Days
Post-Hospitalization
Covered up to 45 Days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Not Covered
Cataract
Covered
No Claim Bonus
Available up to 150% of SI
Automatic Restoration
Not Available
Daily Hospital Cash
Not Covered
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Emergency Coverage
Ambulance
Up to INR 1000
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
Applicable
Sub-limits
Not Applicable
In-patient & Out-patient coverage
Room Rent
Up to INR 5,000/day
ICU Charges
up to INR 6000 /day
Pre-Hospitalization
Covered up to 30 Days
Post-Hospitalization
Covered up to 45 Days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Not Covered
Cataract
Covered
No Claim Bonus
Available up to 150% of SI
Automatic Restoration
Not Available
Daily Hospital Cash
Not Covered
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Emergency Coverage
Ambulance
Up to INR 2,000
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
Applicable
Sub-limits
Not Applicable
In-patient & Out-patient coverage
Room Rent
Up to INR 5,000/day
ICU Charges
up to INR 7,500/day
Pre-Hospitalization
Covered up to 45 Days
Post-Hospitalization
Covered up to 60 Days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Not Covered
Cataract
Covered
No Claim Bonus
Available up to 150% of SI
Automatic Restoration
Not Available
Daily Hospital Cash
Not Covered
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Emergency Coverage
Ambulance
Up to INR 3,000
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
Not Applicable
Sub-limits
Not Applicable
In-patient & Out-patient coverage
Room Rent
Up to INR 2,500/day
ICU Charges
up to INR 5,000/day
Pre-Hospitalization
Covered up to 30 Days
Post-Hospitalization
Covered up to 45 Days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Not Covered
Cataract
Covered
No Claim Bonus
Available up to 150% of SI
Automatic Restoration
Not Available
Daily Hospital Cash
INR 500 / per day
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Emergency Coverage
Ambulance
Not Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Not Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
Applicable
Sub-limits
Not Applicable
What is Room Rent?
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common room categories covered under room rent are:
Private Single AC Room
Twin Sharing
General Ward
Coverage status under Liberty Secure Health Connect?
Under Liberty Secure Health Connect, the room rent is covered:
Secure Basic - 1 % of the SI or a maximum of up to INR 3000/day
Secure Elite - 1 % of the SI or a maximum of up to INR 5000/day
Secure Supreme - 1 % of the SI or a maximum of up to INR 5000/day
Secure Complete - 1 % of the SI or a maximum of up to INR 2500/day
What are ICU Charges?
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Liberty Secure Health Connect?
Under Liberty Secure Health Connect, ICU charges are covered
Secure Basic - 2 % of the SI or a maximum of up to INR 6000/day
Secure Elite - 2 % of the SI or a maximum of up to INR 6000/day
Secure Supreme - 2 % of the SI or a maximum of up to INR 7500/day
Secure Complete - 2 % of the SI or a maximum of up to INR 5000/day
What is Pre Hospitalization?
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Liberty Secure Health Connect?
Under Liberty Secure Health Connect, pre-hospitalization is covered
Secure Basic - 30 Days
Secure Elite - 30 Days
Secure Supreme - 45 Days
Secure Complete - 30 Days
What is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Liberty Secure Health Connect?
Liberty Secure Health Connect covers medical expenses incurred during post-hospitalization
Secure Basic - 45 Days
Secure Elite - 45 Days
Secure Supreme - 60 Days
Secure Complete - 45 Days
What is Domiciliary Hospitalization?
Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under Liberty Secure Health Connect?
Liberty Secure Health Connect does not cover domiciliary hospitalizations.
What is Daycare Treatment?
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Liberty Secure Health Connect?
Liberty Secure Health Connect covers the expenses for 405 listed day care procedures.
What are OPD charges?
It covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.
Coverage status under Liberty Secure Health Connect?
Liberty Secure Health Connect does not cover OPD expenses.
What is COVID-19 Treatment?
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Liberty Secure Health Connect?
Liberty Secure Health Connect does not cover COVID-19.
What is Cataract Treatment?
A common eye condition in which your vision gets blurred.
Coverage status under Liberty Secure Health Connect?
Liberty Secure Health Connect covers Cataract Treatment
Secure Basic - INR 20,000
Secure Elite - INR 30,000
Secure Supreme - INR 40,000
Secure Complete - INR 40,000
What is a No-Claim Bonus?
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Liberty Secure Health Connect Insurance?
Liberty Secure Health Connect offers no claim bonus
Secure Basic - Per Year: 20% Max upto 100%
Secure Elite - Per Year: 25% Max upto 100%
Secure Supreme - Per Year: 30% Max upto 150%
Secure Complete - Not Covered
What is Automatic Restoration?
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Liberty Secure Health Connect?
Liberty Secure Health Connect does not offer automatic restoration benefit
What is Daily Hospital Cash?
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Liberty Secure Health Connect?
The Daily hospital cash is available under Liberty Secure Health Connect
Secure Basic - Not Covered
Secure Elite - Not Covered
Secure Supreme - Not Covered
Secure Complete - INR 500/day
What is an Organ Donor Cover?
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Liberty Secure Health Connect?
Under the plan, Liberty Secure Health Connect the organ donor expenses are not covered.
What is a Maternity Cover?
It refers to the cover that includes expenses for normal and c-section procedure deliveries.
Coverage status under Liberty Secure Health Connect Insurance?
Under the Liberty Secure Health Connect, Maternity Cover is not covered
What is a New Born Baby Cover?
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover are listed below and these common treatments can vary from plan to plan:
Congenital anomaly (conditions since birth)
Acute condition
Chronic condition
Premature delivery
Birth asphyxia
Day care treatment
Coverage status under Liberty Secure Health Connect Insurance?
Under the Liberty Secure Health Connect, a newborn baby cover is not available.
What is AYUSH Treatment?
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Liberty Secure Health Connect?
Under the Liberty Secure Health Connect, AYUSH treatment is not covered.
What is IVF Treatment?
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Full infertility
No fertility
Infertility diagnosis
Infertility diagnosis and limited fertility treatment
Medication (which may or may not include fertility drug prescriptions)
Coverage status under Liberty Secure Health Connect?
Under the Liberty Secure Health Connect, IVF is not available
What is a Modern Treatment?
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Liberty Secure Health Connect?
Under the Liberty Secure Health Connect, modern treatment is not covered
What is an Ambulance Cover?
An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.
Coverage status under Liberty Secure Health Connect?
Under the Liberty Secure Health Connect, ambulance cover is available
Secure Basic - Up to INR 1,000
Secure Elite - Up to INR 2,000
Secure Supreme - Up to INR 3,000
Secure Complete - Not Available
What is an Air Ambulance?
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Liberty Secure Health Connect?
Under the Liberty Secure Health Connect, the air ambulance is not covered
What is Compassionate Travel?
Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.
Coverage status under Liberty Secure Health Connect Insurance?
Under the Liberty Secure Health Connect, compassionate travel is not covered
What is Global Coverage?
Any kind of medical/health emergency when you are outside of India.
Coverage status under Liberty Secure Health Connect Insurance?
Under the Liberty Secure Health Connect, global coverage is not covered
What is E-Consultation?
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Liberty Secure Health Connect?
Under the Liberty Secure Health Connect, E-consultation is not covered.
What is a Health Checkup?
A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.
Coverage status under Liberty Secure Health Connect?
Under the Liberty Secure Health Connect, health check-up is available
What is a Second Medical Opinion?
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under Liberty Secure Health Connect ?
Liberty Secure Health Connect does not cover the expenses for a second medical opinion
What is Vaccination cover?
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Liberty Secure Health Connect?
Liberty Secure Health Connect does not cover vaccination expenses
What is Co-payment?
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Status under Liberty Secure Health Connect Insurance?
Co-payment is applicable
Non-network Hospital: 10 % Co-pay
Insured above 60 years: 10% Co-Pay
What is the Sub limit?
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Status under Liberty Secure Health Connect Insurance?
Sub-limits are not available
What is Not Covered Under Liberty Secure Health Connect
Major exclusions under liberty secure health connect are listed below.
Admission primarily for investigation & evaluation.
Admission primarily for rest cure, rehabilitation, and respite care.
Circumcision, sex change surgery, cosmetic surgery & plastic surgery.
Substance abuse and self-inflicted injuries.
Hazardous sports, war, terrorism, civil war, or breach of law.
Experimental, investigational, or unproven treatments.
Claim Process For Liberty Secure Health Connect
The insurer has their own in-house claim settlement process called liberty health 360 in place that helps the customers as required. Insurance holders must register their claim at least 48 hours prior to planned admission. In case of emergency hospitalization, intimation within 24 hours of admission is necessary.
The documents required for the claim process are as follows
Pre-authorized claim form filled by the customer
Photocopy of identity proof
Discharge proof
Payment Receipt
First Consultation letter and prescriptions provided by the hospital
Invoice or bills of implants if any
Individuals filing a claim process 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 claim request on the email address - Health360@LibertyInsurance.In
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 pan covers hospitalization expenses, and 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 the insurance holders can modify and utilize the plan to the best of their capacity.
Other Liberty Health Insurance Plans
To cater to the dynamic healthcare needs of an individual and their family, Liberty Health Insurance comes with several plans.
Liberty Health Connect Policies
A plan designed to cover you and your family with 4 different variants to choose from Basic, e-connect, Elite, and Supreme. The plan offers a sum insured up to 15L.
The insurer covers the treatment in case of a bodily injury because of an accident, accidental deaths, along with other accidental benefits.
Unique Features
Accidental Death covered 100%
Permanent total disability covered
Complete loss of sight covered
Liberty Health Connect Supra
This plan is an additional benefit to your existing basic personal or family health insurance, offering financial cover over and above the basic sum assured in your policy.
Unique Features
2 variants available
Up to 1 Cr SI
Avail optional coverage
Liberty Individual Personal Accident Policy
With Individual Personal Accident Coverage, the insured can recover loss from treatment, income & related expenses.
Unique Features
Avail optional coverage
Child education support available
Life support assistance covered
Liberty Secure Health Connect : FAQ
1. What is the waiting period for Liberty Secure Health Connect?
The several waiting period terms under Liberty Secure Health Connect Plan are as follows:
Initial Waiting Period - 30 Days
Specific waiting period - 24 months
Pre-existing conditions - 48 months
2. What are the eligibility criteria for Liberty Secure Health Connect insurance plan?
The plan is available on an individual and family floater basis wherein the entry age for children is 91 days to 25 years and the entry age for adults is 18 years to 65 years.
3. Do customers require to undergo a pre-policy health check-up before purchasing Liberty Secure Health Connect?
Customers do not require to undergo any pre-policy health check-up. However, individuals who are above 55 years of age and want to invest in Liberty secure health connect have to undergo a pre-policy check-up.
4. What are the various relationships covered under the family floater variant under the Liberty Secure Health Connect insurance plan?
The relationships covered under the family floater variant are as follows:
Self
Spouse
Children
Parents
Parents-in-law
Siblings
Son-In-Law
Doughter_in_law
Grand Children
Grand Parent
5. What is the discount policy offered under the Liberty Secure Health Connect Insurance Plan?
Liberty Secure Health Connect offers a 10% additional discount on adding more than 2 family members under a single policy.
Other Health Insurance Companies
Compare Liberty Health Insurance mediclaim policies with other top insurers in India.
Read what our customers have to say about Liberty health insurance company and Liberty health mediclaim policy.
Vidya
Jaipur
June 15, 2022
Underrated company in my opinion people should buy their insurance plans and avail their quick services and affordable plans
amit
Belgaum
February 21, 2022
In small cities, very few good companies are available and liberty is one of them. dedicated service with good plans. really helps during hospital
Shriram Mahajan
Bhopal
October 4, 2021
Good company. Happy that I made this wise decision. One of the best health insurance companies with the best team.
Harshal Mehta
Jaipur
September 27, 2021
1 of the best health insurance company available in India. I am just in love with the way the company works. Simply amazing.
Shweta Agnihotri
Kochi
September 23, 2021
Nice company Liberty is. Good sense of customer support and helpful staff also. I am happy that I buyed this policy.
Vigya Khaturia
Jaipur
September 21, 2021
One word for this company: Simply Fantastic. I can t believe how a company can be so customer-centric. unbelievable. the way Liberty Health Isurance assists its customers is amazing.
Vivan Dubey
Gandhinagar
September 20, 2021
Very nice Customer support..kaafi achi tarah se plans samjhaye. Mere sare sawalo ka bhi inminan se jawab diya. I am very impressed
Madhu Rane
Agra
September 20, 2021
I have never seen a company this committed towards its customers. Happy that I chose Liberty health Insurance to look after my healthcare needs.
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