Health Insurance Policy

Health Insurance

Health Insurance Policy

Health Insurance has become a necessity today more than ever before. While healthcare costs have been rising for the past few years, the COVID-19 pandemic has made the need for health insurance more pronounced than ever before.

Medical procedures, planned or unplanned, are by nature stressful. The cost incurred during the treatment should not add to the stress. Moreover, it is far from ideal if your financial situation influences the kind of treatment that you are opting for your loved one.

At Liberty General Insurance (LGI), we have crafted Health Insurance policies that take care of hospitalisation and treatment costs to lessen the blow brought upon by an unforeseen accident and illness.

Health Insurance Benefits That Come With Liberty General Insurance (LGI)

As mentioned above, Liberty General offers you a wide range of health insurance schemes and policies. All the above policies have unique benefits that make them distinct. But here are some that are common to all that sets Liberty General apart from others in the market:
  • Attractive Renewal Benefits

    Attractive Renewal Benefits

    We reward you with a free health check-up after two years of continuous policy renewal with us irrespective of the policy's claims.

  • Free Look Period

    Free Look Period

    If you find a policy unsuitable to your needs after purchasing it, we offer a free look period of 15 days to request a policy's cancellation.

  • Unique Loyalty Perk Benefits

    Unique Loyalty Perk Benefits

    Your sum insured automatically increases by 10% of the basic sum insured for every claim-free year. This benefit can go up to a maximum on the insurance amount.

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Why Liberty General Insurance

We at Liberty General Insurance (LGI) ensure that you have the most hassle-free experience when it comes to dealing with a sensitive issue such as health insurance. We draw our experience and competence from Liberty Mutual Insurance Group, which was founded in the year 1912 and now has over 900 offices over the world. Under Liberty Mutual's supervision, we intend to build a customer-centric business to address the distinct needs of individual and corporate customers.

Liberty General Insurance Ltd. is a joint venture between Liberty Citystate holdings PTE Ltd, a group company of US Headquartered Liberty Mutual Insurance Group, a leading multinational property and casualty group, Enam Securities, a privately owned and managed firm that makes long-term investments in listed companies, as well as backs entrepreneurs building valuable private companies and DP Jindal Group, an industrial conglomerate.

Liberty India General Insurance commenced operations in 2013 with the aim of providing comprehensive retail, commercial and industrial insurance solutions. The company has an employee strength of 1200+ over a network of 110 offices in 95 cities across 29 states. Its partner network consists of about 5000+ hospitals and more than 4000+ auto service centres.

What Is Health Insurance?

Health insurance is a type of insurance that protects you and your family from unforeseen medical emergencies. It covers medical treatments or surgical procedures and can also cover the cost of doctor consultation, prescription drugs, and even post-surgical care. In other words, health insurance shields you from the financial strain brought by a major illness or a severe accident.

Why Do I Need Health Insurance?

Health care costs have been increasing over the years and can often amount to several lakhs if it involves complicated surgeries or long-drawn-out treatments for diseases such as cancer. In such cases, the treatment itself can threaten your way of life by eating into your savings. If an illness hits you or your family member early in your life, most of your earnings will go into financing the treatment, leaving you very little to save for your future. It is not just the treatment or the expensive surgery but the regular care that the patient needs, in some cases for life, that adds to the cost. Regular care includes the cost of prescription drugs, doctor consultation, physiotherapy, follow-up health checks, and regular diagnostic tests.

All the above compounds the stress and difficulty of a severe illness or an unforeseen medical condition. With a comprehensive health insurance plan, you won't have to worry about financial difficulties and focus on getting the right treatment for your loved one, irrespective of the cost.

The general principle of insurance is to shield you from the uncertainties of life. While life insurance provides a financial buffer to your family if you lose your life, health insurance provides you and your family a cushion to ease the burden of cost in the event of a medical emergency.

How To Choose The Right Health Insurance

When you are looking to get a good health insurance plan in India, there are a few things that you need to take into account before zeroing in on a policy:

Evaluate your insurance provider:Check your insurance providers' financial strength and claim settling capability. See if the provider and the policies have good ratings by industry experts and also check customer reviews.

Check for the network of hospitals it covers:his is a crucial aspect to check as your insurance would be useless if you are admitted to a hospital that doesn't recognise the policy. Make sure that the insurance provider has the widest network of doctors and hospitals available for treatment. Check all the hospitals in your city and especially those that are in the vicinity of your home and your office.

Waiting Periods:Always check health insurance policies and medical insurance schemes with lower waiting periods. Your policy doesn't get activated until this period is not completed; hence the period must be as short as possible.

How To Initiate A Claim Settlement

At Liberty General Insurance, we believe the time is precious and are committed to not only ensure that your claim is settled at the earliest but also to render support and be by your side in your hour of need.

How to register a claim?

To register a claim, please follow the below options:

  • Call at our toll-free Number 1800 102 7477 (between 8:00 am to 8:00 pm, seven days of the week)
  • Mail us at health360@libertyinsurance.in
  • We have a network of 5000+ hospitals to ensure you receive hassle-free cashless treatment in your vicinity. Corporate customers can also avail themselves of a cashless facility in addition to the current TPA network. If you have any concerns, feel free to write to health360@libertyinsurance.

Here is an indicative list of documents required for all kinds of claims:

In-patient Treatment/Day-Care Procedures

  • Duly filled and signed claim form.
  • Photocopy of ID card/photocopy of current year policy.
  • Original detailed discharge summary/day-care summary from the hospital. Original consolidated hospital bill with bill number with a break up of each item, duly signed by the insured.
  • Original payment receipt of the hospital bill with a receipt number.
  • First Consultation Letter and subsequent prescriptions. Original bills, original payment receipts and reports for investigation supported by a note from the attending Medical Practitioner/ Surgeon demanding a particular test.
  • Surgeons' certificate stating the nature of the operation and the surgeons' bills and receipts.
  • Attending doctors/ consultants/specialist's/anaesthetist bills, receipts and certificates.
  • Original bills and receipts with corresponding prescriptions.
  • Original invoice/bills for Implants (viz. Stent /PHS Mesh/ IOL etc.) with original payment receipts.
  • Hospital Registration Number and PAN details from the hospital.
  • Doctors' Registration Number and Qualification of the doctor.

Road Traffic Accident

  • All documents mentioned for In-patient Treatment documents.
  • Copy of the First Information Report from the Police/ Copy of the Medico-Legal Certificate.

In Non-Medico legal cases

  • Treating Doctor's Certificate giving details of injuries (How, when and where injury sustained)

In Accidental Death cases

  • Copy of Post Mortem Report (if conducted) & Death Certificate

For Death Cases

  • All documents mentioned for In-patient Treatment documents.
  • Original death summary from the hospital.
  • Copy of the death certificate from the treating doctor or the hospital authority.
  • Copy of the legal heir certificate if the claim is for the death of the principal insured.

Pre and Post-hospitalisation expenses

  • Duly filled and signed claim form.
  • Photocopy of ID card / Photocopy of current year policy.
  • Original Medicine bills, original payment receipt with prescriptions.
  • Original Investigations bills, original payment receipt with prescriptions and report.
  • Original Consultation bills, original payment receipt with a prescription.
  • Copy of the Discharge Summary of the main claim.

Ambulance Benefit

  • Duly filled and signed claim form.
  • Photocopy of ID card / Photocopy of current year policy.
  • Original Bill with Original Payment Receipt.
  • Treating doctor's consultation prescription indicating Emergency Hospitalisation.

Why Should You Get Health Insurance When You Are Young

Health, medical emergencies, and health insurance are not priorities for young adults. The next new mobile phone or gadget, travel, and other more interesting things take precedence in their lives. However, keeping an eye on the future and securing it has long term payoffs.

Here are some reasons why young need health insurance.

Ever-increasing cost of healthcare: In India, the cost of healthcare has been on the rise and will continue to rise in future. Healthcare inflation increased from 4.39 per cent in 2017-18 to 7.14 per cent in 2018-19. Purchasing health insurance when one is young makes healthcare affordable when they are older and need it most. Insuring at a young age makes premium payments easier as responsibilities are lower, such as children care, home loans, parent care, etc.

Reap the benefits of better coverage for lower premiums: The premiums for young health insurers are low because there are no pre-existing health conditions. Purchasing healthcare gets more challenging with age. The range of plans and the extent of coverage available to the young insurer is also vast. Some plans cover OPD consultations, short procedures, vector-borne diseases, and even maternity expenses. In this day and age, jobs aren't secure. Besides, many people turn to self-employment, business or freelancing when middle-aged. A young insurer can avail of more comprehensive plans that provide higher security in case of unemployment or disability due to illness or accidents.

Waiting period? No problem: All health insurance policies have a waiting period of one to three months before the insurer can make any claims for medical problems. As the chances of any significant health emergency are lower when one is young, this waiting period is inconsequential.

Make the most of bonuses: Health insurance plans offer a no-claim bonus each year. If one starts accumulating the bonuses at a young age, they can be a blessing in case of medical emergencies or when the insurer is old and needs medical attention.

Enjoy the tax benefits: Premiums payments for health insurance are eligible for tax deductions. Thus the burden of paying premiums is reduced for the insurer. Younger you are, the longer you can enjoy the tax benefits of health insurance.

Top Myths About Health Insurance

There are a lot of misconceptions about health insurance and the way it works that often leads to problems at the time of claims settlement. Let's see some of the major myths about health insurance:

I am young and healthy, so I don't need health insurance: A common misconception among people across the world is that the young are all healthy. But statistics from the World Health Organisation (WHO) show otherwise. Approximately 2.6 million young people between the ages of 10 and 24 die every year, and many more suffer from illnesses because of environmental and lifestyle reasons. The options available to them and their choice of lifestyle make them susceptible to both communicable and non-communicable health problems. These health issues can be a result of substance use, injuries, pollution, sexually transmitted infections, unhealthy diets rich in sugars, fat and fast food addictions, work-life balance, and so on. Planning and providing for medical emergencies is essential not just for the middle-aged and the elderly but also for young adults.

Health Insurance is a tax saving instrument: One of the worst things you can do is buy health insurance only to save tax. While the Income Tax Act has a separate section for health insurance, it is to promote the culture of having insurance and not for it to be used solely for tax saving purposes.

My employer provides health insurance, so I don't need one: Most employers today cover their employees through a group cover. However, this may be insufficient, so do check what the terms and conditions are to avail the same. Moreover, if you move from the organisation, you will no longer have the cover.

I am entitled to all policy coverage from Day 1: Most insurance schemes have waiting periods. You must check these before selecting a scheme. In some cases, certain diseases are only covered after a certain time has passed. Maternity plans often have a waiting period of over nine months.

I lose benefits if I don't renew my insurance before the due date: While it is essential to renew your insurance to maintain continuity, you need not worry if you don't meet the deadline. Insurance can be renewed up to 15 days from the due date, and all the benefits will be carried forward into the new year.

Key Tips While Choosing Health Insurance Scheme

There are several health insurance policies in the market, and they seem extremely complicated. It is important to choose the right one before committing to a long relationship with your insurer. At Liberty General Insurance (LGI), we have a transparent system of providing all information about our policies so you can make the right choice.

However, here are some general tips while choosing a medical or health insurance scheme:

Understand your Requirements: At different stages of your life, you may have different requirements or needs. As a young person, you may only need health insurance for yourself or might need to have your parents as dependents. If you are planning to get one for the family, different members may have different requirements. All these need to be kept in mind while selecting an insurance policy.

Assess Coverage Limit:A major mistake that most Indians make is not getting adequate coverage. This can prove to be disastrous, especially given that healthcare costs have been increasing with each passing year. You must inquire about the cost of hospitalisation and the cost of surgeries, etc., before making a rough assessment. Several experts state that if you are living in a tier 1 city, then you should have a coverage of around Rs. 10 lakh.

Buy Health Insurance as soon as possible: As mentioned above, there are clear advantages of buying health insurance when you are young. But this does not mean that you don't take health insurance if you hit middle age. If you don't have insurance, get one as soon as you can to secure your future.

Ensure that you understand the Terms & Conditions: It can't be stressed enough how important this point is. It is not just enough to just read them but also to understand them as a lot of the processes and procedures will become clear. If you don't understand any point, you must check with someone in the insurance company.

Do not furnish inaccurate information:While filling out your application for health insurance, be honest about any health ailments that you may already have. Moreover, if you are a smoker or have other lifestyle habits that may affect your premiums, then do not hide it. All the details furnished need to be correct and true as inadequate information or incorrect information can lead to delayed payment or non-payment of your claim.

Factors That Decide Your Premium

Health insurance premiums increase over time. Here are the major factors that play a role in calculating your premium:

Age:It is the most significant factor in calculating your premium. As mentioned above, it is in your best interest that you buy health insurance while you are young as you are less likely to have pre-existing medical ailments; as a result, your premium can be lower.

Medical History:A pre-existing health condition or ailment is one that you already had before opting for your health insurance policy. If you have such a health condition, it may increase your premium. In case there is a family history of a particular ailment such as diabetes, that too could increase your premium. However, do not make the error of not declaring such ailment as it may lead to a claim being denied in the future.

Location:Generally speaking, if you reside in a Tier 1 city, then your premiums would be higher than what you would pay for the same insurance cover in Tier 2 and Tier 3 city. This is largely because the cost of treatment and hospitalisation is much higher in Tier 1 cities.

Body Mass Index:While calculating your premiums, insurance providers also factor in your body mass index (BMI). Those with a high BMI are at risk of a host of ailments such as high blood pressure, joint pains, hypertension, cardiac conditions and type 2 diabetes.

Lifestyle:If you are a heavy alcohol consumer or consume tobacco regularly, then your premiums could be higher as you will be deemed a high-risk individual. While smoking tobacco can lead to respiratory problems, chewing tobacco could lead to cancer. This is the reason why a higher premium is demanded.

Important Aspects To Check While Buying Health Insurance

Get an adequate sum insured:Several studies and health experts have stated that the majority of Indians that have opted for health insurance are underinsured, i.e. they do not have the cover to meet the expenses in the event of a major illness or a serious accident. This essentially puts them all at risk of financial distress as they may well end up paying a significant amount of the incurred medical expenses from their savings. Factor in all the family responsibilities while keeping in mind other factors like age, healthcare costs as well as location. If you're living in a Tier 1 city, then you need to get a cover of around Rs. 10 Lakhs. In smaller cities and towns, the cover can be slightly lower.

Understand various parameters such as sub-limits, co-payments and waiting periods:Health insurance and medical insurance policies in India have certain parameters that you need to keep in mind before opting for the scheme and understand that ramifications.

  • Sub-limits:Often a significant bone of contention with the insured and the insurance company, sub-limits are caps on specific aspects of a medical procedure or treatment. This includes room rent, surgeries, ICU charges, operating charges and other medical procedures. This means that for certain specific procedures, one can only avail of a portion of the sum insured and not all of it. You must review the sub-limits of any insurance scheme you opt for.
  • Co-payment:In a co-payment scenario, you bear part of the claim amount from your finances while the insurance company bears the rest.
  • Waiting Periods:Another crucial aspect that you must check as many illnesses and procedures may not be covered until a few years. Typically, there is a waiting period of around 30 days after a successful application of insurance that is for all illnesses and surgeries.

Claim settlement process:In the aftermath of an illness or surgery, you should not have to struggle to process a claim and get the reimbursement that is rightfully yours. This is a crucial aspect before choosing any insurance scheme. A convoluted and time-consuming claim settlement process can be mentally and physically exhausting—we at LGI pride ourselves in having a transparent and hassle-free claim settlement process.

Hospital Network of TPA/Insurance Company:Health insurance is useless if you are treated in a hospital that is not covered under your scheme or by your company. Check the list and the details of the hospitals that the insurance company has mentioned. Pay closer attention to the hospitals in your city, in particular those in the vicinity of your home. It is equally important that the insurance company has a vast hospital network

Types of Health Insurance

At Liberty General Insurance, we have a range of health insurance plans to cater to different needs and health requirements and other kinds of health emergencies that may arise. Here are our plans:

Liberty Health Connect Policy

Liberty Health connect policies have four schemes that offer optimum health coverage at an affordable price.While the plans mainly differ in

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Janta Personal Accident Insurance Policy

This policy provides financial support to surviving family members in the event of the insured person's accidental death.This policy's primary intent has been

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Health Connect Supra

Your existing health insurance may not be adequate to cover the rising cost of medical treatments and procedures. Many experts have said that most people in the country are underinsured. Health Connect Supra has been crafted to provide

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Individual Personal Accident

Accidents, by their very nature, are unpredictable. They can occur anytime and anywhere, without a moment's notice. For such untoward situations, you and your family must have a personal accident cover This type of cover ensures that you and your

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Secure Health Connect

An illness or surgery affects the family as a whole. Health Insurance should no longer just be limited to a few family members or the family's earning members. Secure Health Connect Policy ensures that the entire family is protected by offering all the features

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Health Insurance policies offered by Liberty General Insurance (LGI) are one of the best health insurance and medical insurance plans in India. The insurance policies have been curated to cater to a diverse set of needs and requirements.

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 the deductible stated in the Policy Schedule either on a per claim basis or when the aggregate of covered medical expenses exceeds the deductible applicable on a 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.

Our health insurance policies cover the following aspects:

1. In-Patient Hospitalisation Expenses

The company undertakes to indemnify the insured person against any disease or illness, or any injury during the policy period. Moreover, if such a 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.

  • Room, Boarding expenses
  • Intensive Care Unit bed charges
  • Doctor's Fees
  • Nursing Expenses
  • Surgical Fees, Operation Theatre Charges, Anaesthetist, Anaesthesia, Blood, Oxygen, and their Administration, Physical Therapy
  • Prescribed Drugs and Medicines Consumed on the Premises
  • Investigation Services such as Laboratory, X-Ray, Diagnostic Tests
  • Dressing, Ordinary Splints, and Plaster Casts
  • Cost of Prosthetic and Other Devices- Used Intra-Operatively during a Surgical Procedure, If Recommended by the Attending Medical Practitioner

2. Pre-Hospitalisation Expenses

Medical expenses incurred during the policy period (for the period as specified in the schedule of 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 hospitalisation expenses) of the policy.

3. Post-Hospitalisation Expenses

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 hospitalisation was required, and
  • II. There is a valid claim admissible under Part B 1 (in-patient hospitalisation expenses) of the policy.

4. Day Care Procedure/Treatment

The company will indemnify medical expenses incurred on treatment towards a day-care procedure mentioned in the list of day-care procedures in the policy and as available on the company's website, where the procedure or surgery is taken by the insured person as an in-patient for less than 24 hours in a hospital or standalone day-care centre but not in the outpatient department of a hospital.

5. Loyalty Perk

The policy provides for an auto increase in the 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 a floater basis. It shall accrue only if no claim has been made in respect of any insured person during the expiring policy year. The loyalty perk accrued during the claim-free policy year will only be available to those insured persons who were insured in such a 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 two 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 different 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 the policy period end date or the expiry of the grace period, whichever is later.
  • e) In case of a claim, the renewal would not qualify for any fresh loyalty perk. The existing and unutilised 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 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 utilised.

  • 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:
    • 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.
    • This benefit can be availed only once during the policy period by the insured person
    • 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.
    • 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.
    • 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 individual login ID on the Portal and schedule a live chat with a practising 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 with easy accessibility of the documents anytime and anywhere in a secure 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 applied 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 in the case of all l diseases/illnesses contracted other than accidental bodily injury requiring hospitalisation. This exclusion shall not apply for subsequent policy years 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 the anus, Piles, Sinusitis and related disorders, Fissure, Gastric and Duodenal ulcers, Gout and Rheumatism; internal tumours, cysts, nodules, polyps including breast lumps (each of any kind unless malignant); Hysterectomy/Myomectomy for Menorrhagia or Fibromyoma or prolapse of the uterus, polycystic ovarian diseases; skin tumours 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 the gallbladder and urogenital system, Hypertension and Diabetes and related complications, joint replacement due to a degenerative condition, surgery for prolapsed intervertebral 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 or if the insured person/s has any health insurance indemnity policy in India at least for two years and accepted by the company under the portability cover, provided that there is no break in the insurance cover for that insured person. Suppose these diseases are pre-existing at the time of proposal or subsequently found to be pre-existing. In that case, 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. This applies from the date of inception of your first policy with us. This exclusion shall not apply after three policy year subsequent renewals with us or if the insured person/s has any health insurance indemnity policy in India at least for three years and accepted by the company under the 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 Lymphadenopathy 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 sterilisation, 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 hospitalisation arising out of an accident.
  • V. Treatment taken from anyone who is not a medical practitioner or from a medical practitioner who is practising 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 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 a 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 the treatment of sleep apnea syndrome (CPAP) or continuous ambulatory peritoneal dialysis (CPAD) 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 the 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 the treatment of an Illness or as may be necessitated due to an Accident
  • XVI. All preventive care, vaccination including inoculation and immunisations (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 – hospitalisation as covered under the scope of the policy.
  • XX. Any treatment received outside India other than in terms of the add-on 'worldwide 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 In-patient care/day-care treatment is required
  • XXII. War or any act of war, invasion, an act of a foreign enemy, warlike operations (whether war is declared or not or caused during service in the armed forces of any country), civil war, public defence, rebellion, revolution, insurrection, mutiny, military or usurped acts, seizure, capture, arrest, restraints and detainment of all kinds.
  • XXIII. Any Illness or Injury arising from an 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 about any period of Hospitalisationor 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 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 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 or biologically produced toxins (including genetically modified organisms and chemically synthesised 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, minimising 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 or toupee and all hair or hair fall treatment and products.
  • XXXIII. Any treatment taken in a clinic, rest home, a convalescent home for the addicted, detoxification centre, sanatorium, home for the aged, mentally disturbed, remodelling 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 a 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 mentioned explicitly in the Policy Schedule and available on payment of premium as applicable. The Insured has an option to select the cover/s either on an 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 the deductible stated in the Policy Schedule either on a per claim basis or when the aggregate of covered medical expenses exceeds the deductible applicable on a 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. Reloading 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 HospitalisationExpenses) 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 hospitalisation expenses) of the policy and available for the Medical expenses incurred during Inpatient hospitalisation period only.
  • d. The reload sum insured will be available during the policy year till it is exhausted completely.
  • e. Any unutilised reload amount cannot be carried forward to any subsequent policy year/renewal of the policy.
  • f. In the case of Portability, the credit for the 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 applied to the original sum Insured, i.e., on a per-claim basis in case of "top-up" and on per year basis in case of "super top-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 any institute recognised by the government or accredited by Quality Council of India/National Accreditation Board on Health provided that the hospitalisation is not for evaluation 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 over 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 emergency care which cannot be deferred till the date of insured person/s return/s to India.
  • iv. The intimation of such hospitalisation to the company or our service provider is within 24 hours of admission
  • v. The emergency care, medical expenses incurred during In-patient hospitalisation 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 a 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 the 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 kilometres 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 utilised.

  • i. Medical Consultation, Evaluation and Referral: In case of any emergency, We/our Service Provider will evaluate, troubleshoot and make immediate recommendations, including referrals to qualified doctors or hospitals. The company will only arrange for the medical consultant; the policyholder will bear the consultant fee.
  • 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 hospitalised 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. But it is advisable considering the rising cost of healthcare.

Q.2. Why is Health Insurance important?

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A) Health insurance protects medical expenses that occur from sudden and unexpected illnesses or incidents that may require hospitalisation. In the absence of health or medical insurance, you will need to pay for these expenses from your pocket, which can affect your savings. A good medical health insurance policy will help you pay for your medical treatment, including surgeries and thus is crucial for a financially secure life.

Q.3. Why do I need Health Insurance?

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A) Health insurance is essential to protect you and your family from a financial difficulty that may arise from a medical emergency such as an accident or an unexpected illness.

Q.4 What kinds of health insurance plans are available with Liberty General Insurance?

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A) At Liberty General Insurance, we are well aware of the varying needs and requirements that people may have. We have the following five medical health insurance policies and schemes:

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

For further information on each of these schemes, please contact us.

Q.5.What is cashless facility?

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A) A cashless facility allows the policyholders to get hospitalised, receive the necessary treatment or surgeries and be discharged without ever having to pay anything from his or her pocket.

Q.6.What are the tax benefits I get if I opt for health insurance?

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A) You can avail of tax benefits under Section 80D of the Income Tax Act, 1961. At present, individuals with medical health insurance who bought health insurance online or offline by any payment mode other than cash can avail of 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, this amount is Rs. 20,000.

Q.7. What are the factors that affect Health Insurance premium?

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A) The primary factor that influences health insurance premiums are the age of the policyholder—broadly speaking, the amount of premium for the sum insured increases as you grow older. This is because as you get older, you are more prone to illnesses. The medical history of the policyholder is another important factor that will determine the medical health insurance premium. Lastly, the number of years the policyholder has not claimed insurance is taking into account while calculating the cost of the premium. These are the three main factors all good medical insurance schemes consider while coming up with a competitive premium for any policyholder.

Q. 8.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. The amount of coverage that you can get will be the sum insured under the health insurance plan.

Q.9. Would I need to renew my health insurance policy every year?

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A) Yes, you will need to renew your medical health insurance plan every year.

Q.10.There are no offices of yours located near my home. Where else can I purchase your policy?

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A) You can purchase health insurance online through our website. When you buy health insurance online, you get additional benefits like the generation of health insurance policy documents instantly.

Q. 11.Why should I take a health policy if I already have health insurance from my employer or if my corporate plan already covers my family and me?

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A) Your employer will only cover your medical expenses as long as you are employed with them. If you change your job, the earlier employer's insurance scheme lapses. Your new employer may well provide you with another medical insurance, but there is a chance that it may not be as good as the old one. Moreover, you may decide to start your venture. In all such cases, you and your family will be left in a lurch if a medical emergency arises. Hence, it is always prudent to have your medical insurance regardless of what your employer has to offer. Your health insurance policy can act as a supplement to the one being offered by your employer. Remember, having too much coverage has never been harmful.

Q.1.Is there a time-period under which I should inform the Liberty General Insurance (LGI) of Hospitalization?

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

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

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A) You should immediately notify the TPA or the company by calling the toll-free number specified in the health insurance policy document. Keep the following documents and information ready as it will improve the process:

  • i. Policy/Health card number
  • 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. Suppose no claim is made during the policy. In that case, LGI shall, from the date of receipt of a notice to cancel the medical insurance policy, 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 in the case of the best medical insurance policies, there is a 15-day free look period available. The period starts from the date of receipt of the 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 an adult and 91 days for children. The maximum entry age is 65 years. Dependent children can be covered up to 25 years of age.

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 a waiting period of 30 days from the start of the policy. It will apply to all disease/illness contracted except those involving an accidental bodily injury that requires hospitalisation.

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

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A) At LGI, we reward the loyalty of our customers. Our policies provide for an auto increase in the sum insured by 10% on the sum insured for every claim-free year, which is capped at 100% of the sum insured. It is only applicable if the health insurance policy is renewed with us without a break.

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

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A) Our policies provide coverage for pre-existing conditions after 36 months have elapsed since the commencement of your first policy with us.

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

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A) We aim to provide health insurance policies that give you a wide gamut of treatments available. As a part of this endeavour, we provide optional covers that allow you to mould a policy to your needs and requirements. AYUSH treatments, for instance, are covered under such optional covers and can be availed under the insurance policy. There are other optional covers too. You can read more about them in the policy wordings.

Q.11. Do you offer individual policies and Family Floater policies?

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A) We offer both individual and family floater policies.

Q.12. Is there any eligibility criterion for purchasing the Liberty Health Connect Policies?

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A) Liberty Health Connect policy is open to everyone from the age of 91 days to 65 years.

Q.13. For how long is the policy valid?

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A) Liberty General Insurance (LGI) offers policies with the option of having one year and two years' tenures which can be renewed after that.

Q.14. Do I have to undergo any medical examination?

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A) Medical examination may be required in some cases, depending on the sum insured and the age of the person.

Q.15. Do I have to undergo a medical check-up every year?

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A) No, if you renew the policy continuously without a break, and there is no change in the policy terms and conditions.

Q.16. Who pays for the medical examination?

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A) If you plan to take our policy, then you will need to for the cost of Pre-Policy Check-up (PPC). We will co-ordinate the appointment with our empanelled doctor or diagnostic centre through our appointed TPA. Once we have accepted your application and have issued you the policy, between 100% and 50% of the expenses incurred by you will be reimbursed, depending upon the age and sum insured opted.

Q.17. What is a Family Floater plan, and what are its advantages?

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A) Family Floater policy is a policy where the entire family, comprising of the insured and his or her dependents, are covered under a single sum insured. The sum insured for a family floater is our maximum liability for any claims made by all the insured members. Here are a few key advantages of such a policy:

  • All members of the family (as defined above) can be covered under one policy.
  • Single premium is payable for the entire family.
  • The amount of sum insured covers the entire family. The maximum limit can be any member of the family.
  • Multiple family members can avail of the cover at different times in the entire year, provided the entire coverage is within the sum insured.
  • You do not have to keep track of renewals for different members; there is only one renewal date for everyone.

Q.18. How many members can be covered under the Family Floater policy?

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A) You can enrol up to four members under a family floater policy in the following combinations: two adults, two adults and one child, two adults and two children, one adult and one child, one adult and two children and one and three children.

Q.19. Which policy covers family members?

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A) You can buy this policy for yourself, your spouse, your dependent children. Children under 91 days and over 25 years are not covered. Your dependent parents or parents-in-law up are covered to the age of 65 years.

Q.20. Who is a medical practitioner?

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A) A medical practitioner (physician, specialist or surgeon) is a person who holds a valid registration from either the medical council of any state or the medical council of India or Council for Indian Medicine or Homeopathy set up by the Government of India or any State Government and is thereby entitled to practice medicine within its jurisdiction, and is acting within the scope and jurisdiction of his or her license, provided that this person is not a member of the insured person's family.

Q.21. What do you mean by Pre and Post hospitalisation coverage?

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A) All medical expenses incurred within 30 or 60 days (depending upon the plan chosen) before hospitalisation comes under pre hospitalisation expenses and expenses incurred within 60 or 90 days (depending upon the plan chosen) after the insured is discharged come under the post-hospitalisation coverage. These expenses are covered under Liberty Health Connect Policies, provided they were incurred for the same condition or treatment for which the insured person was hospitalised.

Q.22. What do you mean by medical expenses?

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A) All expenses that are medically necessary and have been incurred for medical treatment or a procedure during the policy period on the advice of a medical practitioner due to illness or an accident occurring during the policy period comes within the ambit of medical expenses. The caveat is that the medical expenses should not be more than what would have been payable if the insured person had not been insured and should not more than what other hospitals or doctors in the same locality would have charged for the same medical treatment.

Q.23. What do you mean by pre-existing disease or conditions?

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A) A pre-existing condition is an ailment or injury or related condition(s) for which you had the signs or symptoms, or were diagnosed, or received medical advice/ treatment within 48 months before the first policy issued by the insurance company.

Health Insurance Glossary (A)

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  • Accident/Accidental – Is 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 per the policy terms and conditions and exclusions are directly made to the network provider by the insurer to the extent pre-authorisation approved.
  • Congenital Anomaly - It refers to a condition(s) that is present since birth and one that is abnormal in form, structure or position.

Health Insurance Glossary (D)

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  • Day-Care Centre – It means any institution established for the day-care treatment of illness 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 Hospitalisation - Any medical treatment for an illness/disease/injury which in the normal course would require care and treatment at a hospital but is taken while confined at home

Health Insurance Glossary (I)

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  • In-patient 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 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 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 centre or another provider that is not a part of the network.
  • Nominee - It means the person named in the proposal or schedule to whom the insured person nominates the benefits under the policy.

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, or was diagnosed, and or received medical advice or treatment within 48 months before the first policy issued by the insurer.
  • Pre-Hospitalisation - Any medical expenses incurred immediately before the insured person is hospitalised.
  • Post-Hospitalisation 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, to provide health services.
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Why Health Insurance

Listen to Our Customers

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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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07/09/2021 12:10:22 PM
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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19/07/2021 06:31:09 PM
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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28/01/2020 10:18:18 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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12/12/2019 01:31:22 PM
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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30/01/2019 11:11:09 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

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

Trade Logo displayed above belongs to Liberty Mutual and used by the Liberty General Insurance Limited under license. For more details on risk factors, terms & conditions please read sales brochure carefully before concluding a sale.