Health Insurance Policy

Health Insurance

Why buy Health Insurance from Liberty?

Health Insurance Policy

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.

Key Benefits of Health Insurance

Some of the main health insurance benefits offered as part of Liberty Health Connect Policy are as follows:
  • Attractive Renewal Benefits

    Attractive Renewal Benefits

    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.

  • Free Look Period

    Free Look Period

    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.

  • Unique Loyalty Perk Benefits

    Unique Loyalty Perk Benefits

    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.

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Our Health Insurance Policies

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 Policy

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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Renew my Liberty Health Insurance

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Scope of Cover

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.

  • I. Room, Boarding expenses
  • II. Intensive Care Unit bed charges
  • III. Doctor’s fees
  • IV. Nursing Expenses
  • V. Surgical Fees, Operation Theatre Charges, Anesthetist, Anesthesia, Blood, Oxygen and their administration, Physical Therapy
  • VI. Prescribed Drugs and medicines consumed on the premises
  • VII. Investigation Services such as Laboratory, X-Ray, Diagnostic tests
  • VIII. Dressing, Ordinary splints and plaster casts
  • IX. Cost of Prosthetic and other devices- that are used intra operatively during a Surgical Procedure, if recommended by the attending Medical Practitioner.

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:

  • I. Such Medical Expenses were incurred for the same condition for which the Insured Person’s subsequent Hospitalisation was required, and
  • II. There is a valid claim admissible under Part B 1 (In-patient Hospitalization Expenses) of the Policy.

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:

  • I. Such Medical Expenses were incurred for the same condition for which the Insured Person’s earlier Hospitalization was required, and
  • II. There is a valid claim admissible under Part B 1 (In-patient Hospitalization Expenses) of the Policy.

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.

  • a) For a Family Floater policy, the loyalty perk shall be available only on floater basis and shall accrue only if no claim has been made in respect of any Insured Person during the expiring Policy Year. The loyalty perk which is accrued during the claim free Policy Year will only be available to those Insured Persons who were insured in such claim free Policy Year and continue to be insured in the subsequent Policy Year.
  • b) If the Insured Person/s in the expiring Policy are covered on a Floater Basis and the Policy renewal for such Insured Person/s is done by splitting the floater Sum Insured into 2 or more floater / individual covers, then the Loyalty Perk of the expiring Policy shall be apportioned to such renewed Policy/ies in proportion to the Sum Insured under each of the renewed Policy/ies.
  • c) If the Insured Person/s in the expiring Policy are covered on an Individual basis and thereby enjoy separate Loyalty Perk in the expiring Policy/ies, and such expiring Policy/ies is renewed with the Company on a Floater Basis, then the Loyalty Perk carried forward under such renewed floater Policy would be the least of the Loyalty Perk/s earned under the expiring Policy/ies.
  • d) Entire loyalty perk will be forfeited if the Policy is not continued / renewed on or before Policy Period End Date or the expiry of the Grace period whichever is later.
  • e) In case of a claim in the Policy, the renewal of such Policy would not qualify for any fresh Loyalty Perk as well as the existing and/or unutilized Loyalty Perk if any will get reduced by 10% at the time of renewal, in the renewed 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. First Medical Opinion:
    • A First medical opinion service from our expert panel is available for all Insured Person/s seeking information that will give them confidence in their medical diagnosis and treatment plan. At the request of the Insured Person/s, the company shall arrange for a First Opinion which is subject to the following:
    • i. A First Medical Opinion service provides an unbiased opinion on simple medical queries that have not been taken to a medical expert as of yet.
    • ii. This benefit can be availed only once during the policy Period by the Insured Person
    • iii. The Insured Person is free to choose whether or not to obtain the First Opinion, and if obtained, whether or not to act on the same.
    • iv. The Company does not assume any liability for and shall not be responsible for any actual or alleged errors, omissions or representations made by any Medical Practitioner or in any First Opinion or for any consequences of actions taken or not taken in reliance thereon.
    • v. Any First Opinion provided under the Benefit shall not be valid for any medico-legal purposes.
  • B. Live Health Talk:

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.

  • C. Electronic Medical Record Management (EMRM):

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.

  • D. Fortnightly Newsletters:

Relevant and Crisp Fortnightly Publication for Wellness Awareness would be available for you on the Portal.

Waiting Period:

1. The Company shall not be liable to make any payment under this Policy directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following as set out below. All these Waiting Periods shall be applicable individually for each Insured person and Claims shall be assessed accordingly.

  • a) 30 days Waiting Period Exclusion:

A waiting period of 30 days from the commencement date of the first Policy will apply to all disease / illness contracted other than accidental bodily injury requiring hospitalization This exclusion shall not apply for subsequent policy years and/or if the Insured person/s has any health insurance indemnity policy in India and accepted by the Company under Portability cover, provided that there is no break in the insurance cover for that Insured Person.

  • b) Two Year Waiting Period Exclusion:

A waiting period of 24 months shall apply to the treatment, of the following, whether medical or surgical for all Medical Expenses along with their complications on treatment towards: Cataract, Benign Prostatic Hypertrophy, Hernia, Hydrocele, Fistula in anus, piles, Sinusitis and related disorders, Fissure, Gastric and Duodenal ulcers, gout and rheumatism; internal tumors, cysts, nodules, polyps including breast lumps (each of any kind unless malignant); Hysterectomy / myomectomy for menorrhagia or fibromyoma or prolapse of uterus, polycystic ovarian diseases; skin tumors unless malignant, benign ear, nose and throat (ENT) disorders and surgeries (including but not limited to adenoidectomy, mastoidectomy, tonsillectomy and tympanoplasty); dilatation and curettage (D&C); & Congenital Internal Diseases. Calculus diseases of Gallbladder and Urogenital system, Hypertension and Diabetes and related complications, Joint Replacement due to Degenerative condition, Surgery for prolapsed inter vertebral disc unless arising from accident, Age related Osteoarthritis and Osteoporosis, Spondylosis / Spondylitis, Surgery of varicose veins and varicose ulcers. This exclusion shall not apply after two policy year subsequent renewals with Us and/or if the Insured person/s has any health insurance indemnity policy in India at least for a period of two years and accepted by the Company under Portability cover, provided that there is no break in the insurance cover for that Insured Person. If these diseases are pre-existing at the time of proposal or subsequently found to be pre-existing, the pre-existing waiting periods as mentioned in the Schedule to this Policy shall be applicable.

  • c) Pre- Existing Condition Exclusion:

Pre-existing Conditions and any complications arising from the same will not be covered until 36 months of continuous coverage have elapsed, since inception of your first Policy with Us. This exclusion shall not apply after three policy year subsequent renewals with Us and/or if the Insured person/s has any health insurance indemnity policy in India at least for a period of three years and accepted by the Company under Portability cover, provided that there is no break in the insurance cover for that Insured Person.

2. We will not make any payment for any claim in respect of any Insured Person directly or indirectly for, caused by, arising from or in any way attributable to any of the following unless expressly stated to the contrary elsewhere in this Policy:

  • I. Any condition directly or indirectly caused by or associated with any sexually transmitted disease, including Genital Warts, Syphilis, Gonorrhoea, Genital Herpes, Chlamydia, Pubic Lice & Trichomoniasis, Acquired Immuno Deficiency Syndrome (AIDS) whether or not arising out of HIV, Human T Cell Lymphotropic Virus Type III (HTLV-III or IITLBIII) or Lymphadinopathy Associated Virus (LAV) or the mutants derivative or Variations Deficiency Syndrome or any Syndrome or condition of a similar kind.
  • II. Any treatment arising from or traceable to pregnancy (including voluntary termination), miscarriage (unless due to an Accident), childbirth, maternity (including caesarian section), abortion or complications of any of these. This exclusion will not apply to ectopic pregnancy.
  • III. Any treatment arising from or traceable to any fertility, infertility, subfertility or assisted conception procedure or sterilization, birth control procedures, hormone replacement therapy, contraceptive supplies, or services including complications arising due to supplying services or Assisted Reproductive Technology.
  • IV. Any dental treatment or surgery unless requiring hospitalization arising out of an accident.
  • V. Treatment taken from anyone who is not a Medical Practitioner or from a Medical Practitioner who is practicing outside the discipline for which he is licensed or any kind of self-medication.
  • VI. Charges incurred in connection with cost of spectacles and contact lenses, hearing aids, routine eye and ear examinations, laser surgery for correction of refractory errors, dentures, artificial teeth and all other similar external appliances and /or devices whether for diagnosis or treatment.
  • VII. Experimental, investigational or unproven treatments which are not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness for which confinement is required at a Hospital. Any Illness or treatment which is a result or consequence of undergoing such experimental or unproven treatment.
  • VIII. Any expenses incurred on prosthesis, corrective devices, external durable medical equipment of any kind, like wheelchairs, walkers, belts, collars, caps, splints, braces, stockings of any kind, diabetic footwear, glucometer / thermometer, crutches, ambulatory devices, instruments used in treatment of sleep apnea syndrome (C.P.A.P) or continuous ambulatory peritoneal dialysis (C.P.A.D) and oxygen concentrator or asthmatic condition, cost of cochlear implants.
  • IX. Any weight management services, procedures and treatment, services and supplies including those related to treatment of conditions and complication arising out of obesity (including morbid obesity)
  • X. Any procedure, investigation, treatment related to sleep disorder or sleep apnea syndrome, general debility, convalescence, cure, rest cure, health hydros, nature cure clinics, sanatorium treatment, rehabilitation measures, private duty nursing (unless covered under the Policy), respite care, long term nursing care, custodial care or any treatment in an establishment that is not a Hospital.
  • XI. External Congenital Anomaly.
  • XII. Treatment of mental illness, stress, psychiatric or psychological disorders.
  • XIII. Aesthetic treatment, cosmetic surgery/implants or plastic surgery or related treatment of any description, including any complication arising from these treatments, other than as may be necessitated due to an Injury or Burns.
  • XIV. Any treatment / surgery for change of sex or gender reassignments including any complication arising from these treatments.
  • XV. Circumcision unless necessary for treatment of an Illness or as may be necessitated due to an Accident
  • XVI. All preventive care, vaccination including inoculation and immunizations (except in case of post-bite treatment or when it is medically necessary and part of the treatment), vitamins and tonics.
  • XVII. Artificial life maintenance, including life support machine use, where such treatment will not result in recovery or Reload of the previous state of health.
  • XVIII. Non-allopathic treatment except for the ‘Ayush Coverage’ and unless specified in the Schedule to this Policy.
  • XIX. Domiciliary or any OPD treatment except pre and post – hospitalization as covered under Scope of the Policy.
  • XX. Any Treatment received outside India other than in terms of the Add on ‘World-wide coverage’ if opted by the Insured and specified in the Schedule to this Policy.
  • XXI. Charges incurred at Hospital Primarily for diagnostic, X-ray or laboratory examinations not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness or Injury for which Inpatient Care/Day Care Treatment is required
  • XXII. War or any act of war, invasion, act of foreign enemy, war like operations (whether war be declared or not or caused during service in the armed forces of any country), civil war, public defense, rebellion, revolution, insurrection, mutiny, military or usurped acts, seizure, capture, arrest, restraints and detainment of all kinds.
  • XXIII. Any Illness or Injury arising from Insured Person committing any breach of law with criminal intent.
  • XXIV. Act of self-destruction or self-inflicted, attempted suicide or suicide while sane or insane or Illness or Injury attributable to consumption, use, misuse or abuse of tobacco, intoxicating drugs and alcohol or hallucinogens.
  • XXV. Any charges incurred to procure any medical certificate, treatment or Illness related documents pertaining to any period of Hospitalization or Illness.
  • XXVI. Personal comfort and convenience items or services including but not limited to TV(wherever specifically charged separately), charges for access to telephone and telephone calls (wherever specifically charged separately), foodstuffs, (except patient’s diet), cosmetics, hygiene articles, body or baby care products and bath additive, barber or beauty service, guest service as well as similar incidental services and supplies.
  • XXVII. Stem Cell implantation, harvesting, storage or any kind of treatment using stem cells.
  • XXVIII. Expenses related to any kind of RMO charges, service charge, surcharge, admission fees, registration fees, night charges levied by the hospital under whatever head.
  • XXIX. Any Hospitalisation primarily for investigation and / or diagnosis purpose.
  • XXX. Nuclear, chemical or biological attack or weapons, contributed to, caused by, resulting from or from any other cause or event contributing concurrently or in any other sequence to the loss, claim or expense. For the purpose of this exclusion:
    • a. Nuclear attack or weapons means the use of any nuclear weapon or device or waste or combustion of nuclear fuel or the emission, discharge, dispersal, release or escape of fissile/fusion material emitting a level of radioactivity capable of causing any Illness, incapacitating disablement or death.
    • b. Chemical attack or weapons means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing any Illness, incapacitating disablement or death.
    • c. Biological attack or weapons means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) micro-organisms and /or biologically produced toxins (including genetically modified organisms and chemically synthesized toxins) which are capable of causing any Illness, incapacitating disablement or death. In addition to the foregoing, any loss, claim or expense of whatsoever nature directly or indirectly arising out of, contributed to, caused by, resulting from, or in connection with any action taken in controlling, preventing, suppressing, minimizing or in any way relating to the above shall also be excluded.
  • XXXI. Impairment of an Insured Person’s intellectual faculties by abuse of stimulants or depressants.
  • XXXII. Alopecia, wigs and/or toupee and all hair or hair fall treatment and products.
  • XXXIII. Any treatment taken in a clinic, rest home, convalescent home for the addicted, detoxification center, sanatorium, home for the aged, mentally disturbed, remodeling clinic or similar institutions.
  • XXXIV. EECP & Chelation Therapy, Rotational Field Quantum Magnetic Resonance (RFQMR) or Cytotron therapy.
  • XXXV. Drugs or treatment and medical supplies not supported by a prescription from a Medical Practitioner.
  • XXXVI. Costs of donor screening and organ.
  • XXXVII. Any treatment/loss required arising from Insured Person’s participation in any hazardous activity including but not limited to scuba diving, engaging in speed contest or racing of any kind (other than on foot), bungee jumping, parachuting, hang gliding, rock or mountain climbing, winter sports, mountaineering (where ropes or guides are customarily used), caving or potholing, hunting or equestrian, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), polo, snow and ice sports, professional sports or any other potentially dangerous sport.

The optional cover(s) shall be available only if the same is specifically mentioned in the Policy Schedule and available on payment of premium as applicable. The Insured has an option to select the cover/s either on individual /combination basis, along with the covers specified under Part B. Scope of Covers of the Policy. 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 Policy Schedule.

1. Reload of Sum Insured

When the Sum Insured is exhausted due to claims made and paid during the Policy Year or made during the Policy Year and accepted as payable under Part B 1 (In-patient Hospitalization Expenses) of the Policy; the Company agrees to automatically Reload the Sum Insured equivalent to the original Sum Insured specified in the Policy Schedule, for the particular policy year, provided that:

  • a. The Reload Sum Insured will be triggered immediately after the original Sum Insured and Cumulative Bonus (if any) has been completely exhausted during that Policy Year;
  • b. The Reload Sum Insured is available for the medical expenses incurred only in India
  • c. The Reload Sum Insured can be used only for such claims as is admissible in terms of Part B 1 (In-patient Hospitalization Expenses) of the Policy and available for the Medical expenses incurred during Inpatient hospitalization period only.
  • d. The Reload Sum Insured will be available during the Policy Year till it is exhausted completely.
  • e. Any unutilized Reload amount cannot be carried forward to any subsequent Policy Year/renewal of the Policy.
  • f. In case of Portability, the credit for Sum Insured would be given only to the extent of the original Sum Insured.
  • g. The deductible provision would apply to the Reload Sum Insured in the same manner as was applicable to the original Sum Insured i.e., on a perclaim basis in case of “Top Up” and on per year basis in case of “SuperTop Up” as stated under “Schedule of Benefits’ of the Policy Document. If the policy is a Family Floater, then the Reload Sum Insured will only be available in respect of claims made by those Insured Persons who were Insured Persons under the Policy before the Sum Insured was exhausted.

2. AYUSH Treatment

The Company will indemnify up to the amount specified in the Policy Schedule, for the Medical Expenses incurred 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, for the treatment taken under Ayurveda, Unani, Sidha and Homeopathy in a government hospital or in any institute recognized by government and/or accredited by Quality Council of India/National Accreditation Board on Health provided that the hospitalization is not for evaluation and/or investigation purpose only and treatment is availed in India only.

3. World-wide Coverage

The Company will indemnify up to the amount specified in the Policy Schedule, as per the Sum Insured and plan chosen in excess of the Deductible as specified in the Policy Schedule, for the emergency care Medical Expenses incurred outside India, in respect of the Insured Person incurred during the Policy Year, provided that:

  • i. The Insured person/s is/are outside India for the purpose other than undergoing medical treatment/procedure
  • ii. The medical symptoms first originated whilst the Insured Person/s is/are outside India
  • iii. The treatment is Medically Necessary and has been certified by a Medical Practitioner as an Emergency care which cannot be deferred till the date of Insured Person/s return/s to India.
  • iv. The intimation of such hospitalization to the Company or our Service Provider is within 24 hours of admission
  • v. The Emergency Care Medical Expenses incurred during In-patient Hospitalization only shall be covered.
  • vi. Pre-existing diseases shall be excluded.
  • vii. Any payments under this benefit will only be made in India, in Indian Rupees and on reimbursement basis. The payment of any claim will be based on the rate of exchange as on the date of payment to the Hospital published by Reserve Bank of India (RBI) and shall be used for conversion of foreign currency into Indian Rupees for payment of the claim under this benefit.
  • viii. Waiting Periods of 30 days and Two Years as stated under Section D. Exclusions of the Policy shall be waived off under this cover.
  • ix. We shall not be deemed to provide cover and shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose us to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.
  • x. The cover is available for a maximum period of 180 consecutive days.

4. Wellness & Assistance Program:

The below services will be available when the Insured/Insured member/s is/are more than 150 kilometers away, within Indian territory, from their residential address as provided in the Proposal Form. The services would be provided by Us /through our appointed Service provider, with prior intimation and acceptance by the Company and can be availed anytime during the policy period and there are no restrictions on the number of times the facility can be utilized.

  • i. Medical Consultation, Evaluation and Referral: In case of any emergency situation, We/our Service Provider will evaluate, troubleshoot and make immediate recommendations including referrals to qualified doctors and/or hospitals. The company will only arrange for the medical consultant, the consultant fee will be borne by the policyholder.
  • ii. ii. Medical Monitoring and Case Management: A team of doctors, nurses, and other medically trained personnel would be in regular communication with the attending physician and hospital, monitors appropriate levels of care and relay necessary and legally permissible information to the members of the Family / employer.
  • iii. Emergency Medical Evacuation: If the Insured / Insured member/s becomes ill or injured in an area where appropriate care is not available, the Company /via Service Provider at its expense will intervene and use available transportation equipment and personnel necessary to evacuate the Individual safely to the nearest facility for medical care. Such emergency medical evacuation would be done either by ground or air solely at the discretion of the Company.
  • iv. Compassionate Visit: When an Insured Person is/are hospitalized for more than seven (7) consecutive days, The Company/ Service Provider will arrange for a family member or a personal friend to travel to visit the Insured Person/s, by providing an appropriate means of transportation.

Frequently Asked Questions

Q.1. Is it mandatory to have Health insurance in India?

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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.

Q.2. Why is Health Insurance important?

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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.

Q.3. What kinds of health Insurance plans are available with LGI?

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A) Well aware about the varying needs and requirements, LGI offers the following medical health insurance:-

  • a) Liberty Health Connect Policy
  • b) Health Connect Supra
  • c) Individual Personal Accident Policy
  • d) Janta Personal Accident Insurance Policy
  • e) Secure Health Connect

Q.4.What is cashless facility?

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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.

Q.5.What are the tax benefits I get if I opt for Health Insurance?

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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.

Q.6.What are the factors that affect Health Insurance premium?

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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.

Q. 7.What is the maximum number of claims allowed over a year?

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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.

Q.8. Would I need to renew my health insurance policy every year?

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A) Yes, you would need to renew your medical health insurance plan every year to enjoy its benefits.

Q.9.There are no offices of yours located nearby my home, where else can I purchase your policy?

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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.

Q.1.Is there a time-period under which I should inform the LGI of Hospitalization?

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A) You need to inform us of within 24hours in case of unexpected hospitalization and at least 48 hours before any planned hospitalization.

Q.2.What should I do in case of an accident or illness that will lead to filing of a claim?

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  • You should immediately notify the TPA or company by calling toll-free number specified in the health insurance policy document with the particulars below:
  • i. Policy Number / Health Card No
  • ii. Name of the Insured / Insured Person availing treatment
  • iii. Details of the disease / illness / injury
  • iv. Name and address of the Hospital
  • v. Any other relevant information

Q.3.Can I cancel my health insurance policy during its tenure?

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A) You can cancel the insurance policy by giving 15 days’ notice in writing to the company. If no claim is made during the policy then LGI shall from the date of receipt of notice to cancel the medical insurance policy and refund the premium for the balance policy as per the terms and condition laid in the health insurance policy document.

Q.4.Is there a free look period available under the health insurance policy?

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A) Yes, like most of the best medical insurance policies there is a 15 day free look period available. The period starts from the date of receipt of health insurance policy document and allows you to review the terms, conditions and exclusions of the policy.

Q.5.Is there an age limit?

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A) Yes, the minimum entry age is 18 years for adult and 91 days for children. The maximum entry age is 65 years and children below 25 years of age can also be covered given that either of the parent is insured under the best medical insurance policy.

Q.6.Does the health insurance policy covers AYUSH treatment?

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A) Yes, AYUSH treatments are covered under the health insurance provided you get the optional coverage by paying a nominal amount extra on your premium.

Q.7 What is the waiting period in the policy, 45 days or 30 days?

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A) The health insurance has waiting period of 30 days from the commencement of the medical policy and will apply to all disease / illness contracted other than accidental bodily injury requiring hospitalization.

Q.8. Are there any loyalty perks for renewing the medical health insurance policy with LGI?

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A) As the best health insurance policy in India, there is a clause that benefits the loyal customers. Health insurance provides for auto increase in sum insured by 10% on the sum insured for every claim free. This auto increase is capped at 100% of the sum insured and is only applicable if the health insurance policy is renewed with us without any break or within the grace period.

Q.9.Does the policy covers pre-existing conditions? Is there a waiting period on pre-existing diseases?

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A) One of the best medical insurance policies, this health insurance policy also provides coverage for pre-existing conditions after 36 months of continuous coverage have elapsed, since inception of your first Policy with Us.

Q.10. Are there any optional covers available under the policy?

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A) In our endeavor to offer the best health policy, we provide optional covers, to allow the customer to mould the policy as per his/her needs. As mentioned earlier, AYUSH treatments will be covered only if the optional cover is availed under the insurance policy. There are other optional covers too. You can read more about them in the policy wordings.

Health Insurance Glossary (A)

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  • Accident/Accidental – Is to be defined as a sudden and unforeseen, involuntary act caused by external and violent means.
  • Age – The completed age of the Insured Person as on his/her last birthday.
  • Alternative treatments - Alternative treatments means any forms of treatments other than “Allopathy” or “modem medicine” and will include Ayurveda, Unani, Sidha and Homeopathy in the Indian context.

Health Insurance Glossary (C)

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  • Cashless facility – It means a facility extended by the Insurer to the Insured where the payments, of the costs of treatment undergone by the policyholder in accordance with the policy terms and conditions and exclusions, are directly made to the network provider by the Insurer to the extent pre-authorization approved.
  • Congenital Anomaly - It refers to a condition(s) which is present since birth, and which is abnormal with reference to form, structure or position.

Health Insurance Glossary (D)

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  • Day Care Centre – It means any institution established for daycare treatment of illness and /or injuries or a medical set up within a hospital and which has been registered with the local authorities, wherever applicable, and is under the supervision of a registered and qualified medical practitioner
  • Domiciliary Hospitalization - Any medical treatment for an illness/disease/injury which in the normal course would require care and treatment at a hospital but is actually taken while confined at home

Health Insurance Glossary (I)

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  • Inpatient Care - Any treatment for which the Insured Person has to stay in a hospital for more than 24 hours for a covered event.

Health Insurance Glossary (M)

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  • Medical expenses - Those expenses that an Insured Person has necessarily and actually incurred for medical treatment on account of Illness or Accident on the advice of a Medical Practitioner.
  • Medical Practitioner - Any person who holds a valid registration from the medical council of any state or Medical Council of India or Council for Indian Medicine or for Homeopathy set up by the Government of India or a State Government and is thereby entitled to practice medicine within its jurisdiction.

Health Insurance Glossary (N)

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  • Network Provider - Any hospitals or health care providers enlisted by an Insurer or by a TPA and Insurer together to provide medical services to an insured on payment by a Cashless Facility.
  • Non-Network - Any hospital, day care center or other provider that is not a part of the Network.
  • Nominee - It means the person named in the proposal or schedule to whom the benefits under the Policy is nominated by the Insured Person.

Health Insurance Glossary (P)

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  • Pre-existing Condition - Any condition, ailment or Injury or related conditions for which the Insured Person had signs or symptoms, and/ or were diagnosed, and or received medical advice or treatment within 48 months prior to the first policy issued by the Insurer.
  • Pre-hospitalization - Any medical expenses incurred immediately before the Insured Person is Hospitalised.
  • Post-hospitalization Medical Expenses – Any medical expenses incurred immediately after the Insured Person is discharged from the hospital.

Health Insurance Glossary (T)

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  • Third Party Administrator or TPA -Any person who is licensed under the IRDA (Third Party Administrator-Health Services) Regulations, 2001 by the Authority, and is engaged, for a fee or remuneration by an Insurance Company, for the purpose of providing health Services.
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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.

Priyanka Popat
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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.

Priyanka Popat

Health Insurance Reviews

Average RatingBased on 35 Ratings

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Ankur Sir

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07/07/2018 10:51:28 AM
Category: General Insurance

Liberty General Insurance offers the best health insurance in India. The plans available with the company are so many...

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Prabhunath Bisht

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08/07/2018 10:51:28 AM
Category: General Insurance

If you are looking for the best health insurance plans in India, I suggest you go for Liberty General Insurance ...

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Arvind Chaudhary

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10/07/2018 10:51:28 AM
Category: General Insurance

Liberty offers the best health insurance policy in the market in terms of coverage. I did a very thorough...

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Balesh Singh

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12/07/2018 10:51:28 AM
Category: General Insurance

I was looking for a health policy that would provide coverage for at least 2 years, so that I wouldn’t have to renew...

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Deepika Dass

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13/07/2018 10:51:28 AM
Category: General Insurance

I wanted an extra health insurance plan, as the insurance cover from my employer wasn’t enough. I looked at a...

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Dilip Dubey

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14/07/2018 10:51:28 AM
Category: General Insurance

Motor insurance covers several type of vehicle including two, three, and four wheelers. Typical Motor Insurance Policies...

Health Insurance Blogs

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