Liberty Secure Health Connect Policy
vs
Health Gain Policy
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Liberty Secure Health Connect Policy |
 Health Gain Policy |
| Premium Including GST | ||
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
6000 | 9100 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Covered |
| Plan Entry Age | Minimum: Child: 91 Days to 25 Years, Adult: 18 Years | 91 days to 65 Years |
| Plan Premium Entry Age and S/A | NA | NA |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | Individual / Family Floater |
| Plan Sample Premium | NA | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 years | 1, 2, 3 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Not Covered | Not Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 97.64 | 87.50 |
| Solvency Ratio | 3 | 1.5 |
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.
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