
With rising cost of good medical care and changing lifestyle that exposes us to various diseases and ailments the need for the best health insurance in India is more pronounced than ever. Our health insurance plans at Liberty General Insurance (LGI) provide extensive coverage in terms to medical expenses, subject to the scope of coverage as defined within the policy wordings.
We reward you with a free health check- up after 2 years of continuous policy renewal with us irrespective of the claims made under the Policy.
After purchasing the Policy, in case you find it unsuitable to your needs, you can, within a free look period of 15 days, request for cancellation of the Policy.
For every claim-free year, your Sum Insured automatically increases by 10% for the Basic Sum Insured. This benefit can go up to a maximum of 100% of the Basic Sum Insured.
Liberty Health Connect Policy is designed to provide for all your healthcare and hospitalization needs...
This health insurance product caters to the rural population, providing cover for accidental death, along with many other accidental benefits.
For when you need to add to your Health Cover - Higher Sum Insured, Wider Protection and Safety.
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.
For when you need to add to your Health Cover - Higher Sum Insured, Wider Protection and Safety.
Online health insurance plans by Liberty General Insurance are one of the best health insurance plans in India. The Company hereby agrees subject to the terms, conditions and exclusions herein contained or otherwise expressed to pay and/or reimburse actual expenses incurred in excess of the Deductible as specified in the Policy Schedule. The company will pay for the Medical Expenses, in excess of deductible stated in the Policy Schedule either on per claim basis or when the aggregate of covered medical expenses exceeds the deductible applicable on policy per year basis depending upon the plan opted. However, Our total liability under this Policy for payment of any and all Claims in aggregate during each Policy Year of the Policy Period shall not exceed the Sum Insured and Reload Sum Insured if any available to the Insured and stated in the
1. In-Patient Hospitalization Expenses
The Company undertakes to indemnify Insured person against any disease or Any One Illness or any injury during the Policy Period and if such disease or injury shall require any such Insured Person, upon the advice of a duly qualified physician/ Medical Practitioner to incur in-patient care expenses for medical/surgical treatment at any Hospital/ Nursing Home in India, towards following expenses, subject to the terms, conditions, exclusions and definitions contained herein or endorsed.
2. Pre-Hospitalisation Expenses
The Medical Expenses incurred during the Policy Period, for the period as specified in the Schedule to this Policy immediately before the Insured Person was hospitalised, provided that:
3. Post-Hospitalisation Expenses
The Medical Expenses incurred during the Policy Period, for the period as specified in the Schedule to this Policy, immediately after the Insured Person was discharged following Hospitalisation, provided that:
4. Day Care Procedure/Treatment
The Company will indemnify medical expenses incurred on a treatment towards a Day Care procedure mentioned in the list of Day Care Procedures in the Policy and as available on the Company’s web-site, where the procedure or surgery is taken by the Insured Person as an inpatient for less than 24 hours in a Hospital or standalone day care center but not in the Outpatient department of a Hospital.
5. Loyalty Perk
The Policy provides for auto increase in Sum Insured by 10% on the Sum Insured for every claim free Policy year up to a maximum of 100% of the Sum Insured if the policy is renewed with us without any break or within the Grace period as defined under the Policy.
6. Preventive Care
The Company will provide below additional benefits which would help in preventing and/or bettering current Health condition/s. The below services will be provided by Us/Our appointed service provider and can be availed anytime during the policy period and there are no restrictions on the number of times the facility can be utilized.
A unique offering where the Insured Person(s) can log in through their unique login ID on the Portal and schedule a live chat with a practicing doctor to discuss health problem.
Our Portal provides storage for all your medical documents and reports centrally in one location. With EMRM you may retrieve your medical documents at your convenience through the internet. This facility provides you easy accessibility of the documents anytime and anywhere in a secured way.
Relevant and Crisp Fortnightly Publication for Wellness Awareness would be available for you on the Portal.
A) No, it is not mandatory to have health insurance in India. That said, it is highly advisable, and with Liberty General Insurance, you have some of the best health insurance plans in India to choose from.
A) Health insurance provides protection from sudden and unexpected costs of hospitalization, which in the absence of medical insurance would make a major dent in your savings. A good medical health insurance will help you pay for your medical treatment and thus help you avoid relaying on your savings. Remember taking the security of a health insurance is a much better and affordable option.
A) Well aware about the varying needs and requirements, LGI offers the following medical health insurance:-
A) The cashless facility is provided by most of the best health insurance policies. The cashless facility allows the policyholders to get hospitalized, get the relevant treatment and be discharged without having to pay anything from his/her pockets.
A) Health insurance comes with a host of attractive tax benefits. The Income Tax Act, 1961, comes with exclusive section that provides tax relief for those opting for a health insurance plan i.e. Section 80D. Currently, individuals with medical health insurance who bought health insurance online or offline by any payment mode other than cash can avail an annual deduction of Rs. 15, 000 from their taxable income. This is applicable for payment of health insurance premium for self, spouse and dependent. For senior citizens the amount is Rs. 20, 000.
A) When you buy health insurance online or offline, the major factor that determines the premium is Age. The older you are the more you will pay as health insurance premium. This will be because the older you are the more you are prone to illnesses. Medical history is another important factor that will determine medical health insurance premium. Claim free years can also be a factor in determining the cost of the premium. The best medical insurance plans factor in all of these aspects to provide the right coverage at a competitive premium.
A) You can make any number of claims during the health insurance policy period unless a specific cap is prescribed in any of our policy. However, the sum insured under the health insurance plan is maximum limit under the policy.
A) Yes, you would need to renew your medical health insurance plan every year to enjoy its benefits.
A) You can purchase health insurance online through our website. In fact, when you buy health insurance online, you get additional benefits like generation of health insurance policy documents instantly, etc.
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 LGI 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.
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 LGI 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.
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Read MoreRegistration Number: 150 | ARN:Advt/2018/March/26 | CIN: U66000MH2010PLC209656
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