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For protection when you need it the most

Health Insurance Policy

Key Benefits of buying Health Insurance from Liberty General Insurance

Our health insurance solutions offer seamless nationwide cashless medical insurance across an extensive network of hospitals.
When you buy Liberty General Health Insurance, you get:
  • Benefits on Renewal

    After 2 years of continuous policy renewal with us, you get a free Health check-up, irrespective of the claims you’ve made during that time.

  • 15 day Free Look Period

    If, for any reason, you find the Health Insurance policy unsuited to your needs after purchase, you can opt for policy cancellation within 15 days from the date it has been issued.

  • Loyalty Perks

    For every year that you don’t make a claim, your sum insured automatically increases by 10% (up to a maximum of 100%) for the basic Sum Insured.

Our Health Insurance Policies

Health Insurance for every need

Liberty Health Connect Policy

Liberty Health Connect Policy is designed to provide for all your healthcare and hospitalization needs.

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Janta Personal Accident Insurance

This health insurance product caters to the rural population, providing cover for accidental death, along with many other accidental benefits.

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Health Connect Supra

For when you need to add to your Health Cover - Higher Sum Insured, Wider Protection and Safety.

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Individual Personal Accident

Safeguard your family’s future with this Personal Accident Insurance, which comes with Child Education Benefit, and providing Cost of Transporting Mortal Remains and Performing Funeral Ceremony.

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Secure Health Connect

For when you need to add to your Health Cover - Higher Sum Insured, Wider Protection and Safety.

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Liberty General Insurance Health Insurance

From a practical standpoint, having a health insurance policy in India has become much more than just a necessity. Considering the paradigm shift in our lifestyle, environment, diet and other everyday factors, there’s no doubt that you need to buy health insurance irrespective of your age or medical condition. In developed and developing countries alike, the health care costs are plummeting which further emphasize the need of buying a health insurance policy in India.

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What does the Liberty Health Connect Health Insurance cover?

Hospitalisation Expenses:

  • Includes in-patien​t treatment and day care treatment

Pre-Hospitalisation Expenses:

  • This includes medical expenses related to consultations, tests and medications, limited to a number of days, immediately before the hospitalization.

Post-Hospitalisation Expenses:

  • Medical expenses towards follow-up visits, confirmatory tests, medications and physiotherapy, limited to a number of days, immediately after the discharge from the Hospital.

Domiciliary Hospitalisation Treatment:

  • Medical expenses incurred for treatment taken at home, on account of patient’s condition or non-availability of a room at the hospital.

Hospital Daily Cash Allowance:

  • Here, as the health insurance company, we will pay hospital daily cash allowance on a per day basis for non-medical expenses.

Emergency Ambulance Charges:

  • As your health insurance provider, we pay for the transfer of insured patient to the nearest medical facility.

Organ Donor Expenses :

  • Expenses incurred for the screening and harvesting the organ(s) of the donor.

Second Opinion:

  • During the policy tenure, we arrange for a second opinion, to build assurance and confidence in the diagnosis and the plan of treatment that is to follow.

Recovery Benefit:

  • Lump-sum amount is paid to the insured in case of hospitalization for more than 10 days.

Nursing Allowance:

  • Paid as daily allowance for availing nursing care at home or at hospital.

What does this Insurance Policy Not cover?

    Waiting Period Exclusions apply as mentioned below, depending upon the medical condition and other terms and conditions of the policy -
  • 30 days Waiting Period Exclusion
  • First Year Waiting Period Exclusion
  • Two Year Waiting Period Exclusion
  • Pre- Existing Condition Exclusion
  • Any condition caused by or associated with any sexually transmitted disease.
  • Any treatment arising from or traceable to pregnancy or related conditions, like fertility, conception, sterilizations, etc.
  • Dental treatments or surgery, unless requiring hospitalization.
  • Treatment taken from anyone who is not a Medical Practitioner.
  • Expenses related to cost of spectacles and contact lenses, hearing aids, routine eye and ear examinations, etc.

At Liberty General Insurance, our aim is not just to provide the best health insurance plans, but ensure complete transparency as well.
The details furnished above are indicative & do not constitute the entire terms, conditions and exclusions of the Policy. For further detail please refer to policy wordings.


Health Policy Renewal Reminder

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Why Health Insurance?

Listen to Our Customers

Thanks Mr. Kaushal and Mr. Rajesh Portability for Mr. Rohit's son is accepted by Health Insurance Underwriting Team. This is a lovely example of ''OUT OF THE BOX'' thinking at LVGI as Dr. Liji has physically examined the boy after discussing the matter with Dr. Asha and Hemlata madam instead of compelling him to go for X-Ray/MRI.​​ Parents of the boy appreciated the way proposal was tackled as parents and the consulting doctor were not of the opinion of taking X-Ray/MRI of the young boy, as he was fit post hospitalization. Thanks to Underwriting Team for thinking differently.​

Priyanka Popat

We have received the transferred amount.Thanks a lot for paying heed to our matter.
We will always remain grateful to you for your kind gesture.​

Seema Sanadhya

"Thank you very much" to Rima Malhotra for your support and help 
I just want to  say, I was impressed by your work what you did. your quick response and you kept following my refund request of excess amount till to its complete.
Really I liked your service from your company and hereby I confirm that finally I got my refund (credited to my account) today. Thanks once again​

Vishwas acharya

"I am very happy for the customer care services. Whenever I wrote or called I got quick and appropriate reply. Thank you very much for your response. I hope you would continue doing good work​

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Rated 4.2/5 based on 2242 customer reviews

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Based on 2242 Ratings

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  • UDAY Y

    7/5/2016 3:48:26 AM

    I am happy to see that being a small company the employees talk to each other & resolve customer queries fast. I am pleased with the speed of service. Very professional people.

  • Pavan JH

    7/5/2016 3:58:26 AM

    I was surprised to see the level of professionalism shown by the claims & customer service team. They were quick and courteous. Cheers.

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Registration Number: 150 | ARN:Advt/2018/March/26 | CIN: U66000MH2010PLC209656

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Reg Office: 10th floor, Tower A, Peninsula Business Park, Ganpat Rao Kadam Marg, Lower Parel, Mumbai - 400013

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