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Secure Health Connect policy, designed by Liberty Health Insurance, offers comprehensive coverage with a wide range of sums insured 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. Secure Health Connect policy covers in-patient hospitalization expenses, pre and post-hospitalization expenses, daycare treatments, road ambulance cover, lifelong renewal, tax benefits, and 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.
| PLAN DETAILS |
Liberty Secure Health Connect Policy |
Icici Lombard Personal Protect Policy |
| Product Type | Individual and Family Health Insurance | Accident 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 | Not Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
6000 | 10600 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Not 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 | Not 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 | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Applicable |
| Plan Entry Age | Minimum: Child: 91 Days to 25 Years, Adult: 18 Years | 18 to 80 Years |
| Plan Premium Entry Age and S/A | 10,502 | 1289 |
| Plan Waiting Period | 30 | N/A |
| Plan Coverage | Individual and family floater coverage, hospitalization expenses, daycare treatments, AYUSH treatment coverage | Accidental death cover, Permanent total disability cover, Permanent partial disability cover, Accident hospitalization expenses |
| Plan Sample Premium | 10,502 | 1289 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 years | 1, 3, 5 Years |
| ICU Charges | Covered | Not Covered |
| Covid-19 Treatment | Covered | Not Covered |
| Cataract | Covered | Not Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Not Covered | Not Covered |
| Modern Treatment | Not Covered | Not Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Covered |
| Claim Ratio | 97.64 | 97.16 |
| Solvency Ratio | 1.75 | 2.69 |
|
Liberty Health Insurance |
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