Health Insurance 945 views May 31, 2021

Liberty Critical Connect Policy

Liberty Critical Connect Policy offers financial protection against medical expenses with a sum insured ranging from INR 1 lakh to INR 1 crore. Key features of Liberty Critical Connect Policy are as follows –

  1. Option of Plan A & B
  2. Second Medical Opinion/Tele-Consult
  3. Free Health Check-ups
  4. Health 360°
  5. Critical Illnesses Cover for Disease Related to HIV/AIDS

Read this page further to know more about the benefits of the Liberty Critical Connect Policy.

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Liberty Critical Connect Policy Coverage Option

You can choose from two types of Critical Connect plans –

Plan A: In Plan A, you get the option of following Critical Illness bundles –

9 Cover25 Cover43 Cover
Cancer of Specified SeverityAlzheimer’s DiseaseAlzheimer's Disease
Kidney Failure Requiring Regular DialysisBenign Brain TumorApallic Syndrome
Open Chest CABGCancer of Specified SeverityAplastic Anemia
Major/Organ Bone Marrow TransplantComa of Specified SeverityBacterial Meningitis
Multiple Sclerosis With Persisting SymptomsDeafnessBenign Brain Tumor
Myocardial Infarction (First Heart Attack of Specified Severity)End Stage Liver FailureBlindness
Permanent Paralysis of LimbsKidney Failure Requiring Regular DialysisBrain Surgery
Stroke Resulting In Permanent SymptomsLoss of SpeechCancer of Specified Severity
Surgery to Aorta / Aorta Graft SurgeryMajor Organ/Bone Marrow TransplantCardiomyopathy
Medullary Cystic DiseaseComa of Specified Severity
Motor Neuron Disease with Permanent SymptomsCreutzfeldt-Jakob Disease (CJD)
Multiple Sclerosis with Persisting SymptomsDeafness
Muscular DystrophyEncephalitis
Myocardial Infarction (First Heart Attack of Specified Severity)End-Stage Liver Failure
Open Chest CABGEnd-Stage Lung Failure
Open Heart Replacement or Repair of Heart ValvesFulminant Viral Hepatitis
Parkinson’s DiseaseGoodpasture's Syndrome
Permanent Paralysis of LimbsKidney Failure Requiring Regular Dialysis
PneumonectomyLoss of Speech
Primary (Idiopathic) Pulmonary HypertensionLoss of Limbs
Pulmonary Artery Graft SurgeryMajor Head Trauma
Stroke Resulting In Permanent SymptomsMajor Organ / Bone Marrow Transplant
Surgery to Aorta/Aorta Graft SurgeryMedullary Cystic Disease
Systemic Lupus ErythematosusMotor Neuron Disease with Permanent Symptoms
Third-Degree Burns (Major Burns)Multiple Sclerosis with Persisting Symptoms
Multiple System Atrophy
Muscular Dystrophy
Myocardial Infarction (First Heart Attack of Specified Severity)
Open Chest CABG / Coronary Artery Bypass Surgery
Open Heart Replacement or Repair of Heart Valves
Parkinson’s Disease
Permanent Paralysis of Limbs
Primary (Idiopathic) Pulmonary Hypertension
Progressive Supranuclear Palsy
Progressive Scleroderma
Pulmonary Artery Graft Surgery
Pulmonary-Renal Syndrome
Severe Rheumatoid Arthritis
Stroke Resulting In Permanent Symptoms
Surgery to Aorta/Aorta Graft Surgery
Systemic Lupus Erythematosus
Third-Degree Burns (Major Burns)

Conditions Applicable to Plan A

  1. The insurer will pay a lump sum amount if you are diagnosed with any of the above-listed conditions during the policy period and survive 30 days from the date of diagnosis.
  2. Up to 3 conditions covered under plan A over a lifetime
  3. A 24-month waiting period shall apply between the occurrences of each condition
  4. Coverage shall not be given for a second or third condition if it is related to the pre-existing disease.

Plan B

In plan B, you get the option of disease-specific bundles –

Heart ProtectHeart ProtectRenoliv ProtectBrain Protect
Major ConditionsMajor ConditionsMajor ConditionsMajor Conditions
CardiomyopathyCancer of Specified SeverityEnd-Stage Liver failureApallic Syndrome
Heart TransplantMinor ConditionsKidney Failure Requiring Regular DialysisBacterial Meningitis
Open Chest CABGKidney TransplantBenign Brain Tumor
Open Heart Replacement or Repair of Heart ValvesEarly-Stage CancersLiver TransplantBrain Surgery
Myocardial Infarction (First Heart Attack of Specified Severity)Carcinoma inSituMedullary Cystic DiseaseComa of Specified Severity
Primary (Idiopathic) Pulmonary HypertensionPulmonary-Renal SyndromeCreutzfeldt-Jakob disease (CJD)
Pulmonary Artery Graft SurgeryEncephalitis
Surgery to Aorta / Aorta Graft SurgeryStroke Resulting In Permanent Symptoms
Minor ConditionsMotor Neuron Disease with Permanent Symptoms
Multiple Sclerosis with Persisting Symptoms
AngioplastyProgressive Supranuclear Palsy
Balloon Valvotomy or ValvuloplastyPermanent Paralysis of Limbs
Carotid Artery Surgery
Implantable Cardioverter Defibrillator
Implantation of Pacemaker of Heart
Infective Endocarditis
Minimally Invasive Surgery of Aorta
Pulmonary Thromboembolism
Surgery for Cardiac Arrhythmia
Surgery to Place Ventricular Assist Devices or Total Artificial Hearts

Conditions Applicable to Plan B

  1. Multiple claims can be made under plan B up to the sum insured
  2. A lump sum of 100% of the sum insured shall be payable in case of a major condition and 25% of the sum insured shall be payable in case of a minor condition
  3. In case a major condition occurs after the minor condition, 75%  of the sum insured shall be payable
  4. Under Heart and Cancer Protect cover, multiple claims are allowed until the exhaustion of the total payout.

Liberty Critical Connect Policy Other Benefits

You will also get the following benefits under this plan –

Second Medical Opinion/Tele-Consult: The insurer will arrange and pay for your second opinion. You can seek a second medical opinion for your illness through the insurer’s empaneled network providers. The medical specialist will directly send you the e-opinion.

Note: You can use this benefit only once in a policy year. 

Fee Health Check-ups: You can avail of free health check-ups after a block of every 2 claim-free policy years at network hospitals. This benefit is available for the insured whose age is 18 years and above. The following tests are covered under free health check-ups:

  1. Complete blood count
  2. Fasting Blood Sugar
  3. S. Cholesterol
  4. S. Creatinine
  5. ECG

Health 360°: The insurer provides you the following Health & Wellness services under this policy to ensure your well-being –

  1. Delight Healthcare: You can avail of outpatient consultation, pharmaceuticals and diagnostic tests at network hospitals. The insurer will assist in scheduling appointments for consultation and diagnostic tests at your convenience.
  2. Concierge Healthcare: The insurer offers you integrated healthcare services. You can access these services at the insurer’s health portal or mobile app. Here, you can perform various healthcare activities such as – Health Risk Assessment ( HRA), Disease Management Program, Dedicated Health Professional and Wellness Rewards

Critical Illnesses Related to HIV/AIDS: If you’re diagnosed with critical illness due to HIV/AIDS infection, the payable amount shall be limited to 10% of the sum insured for a policy year. The maximum liability for a critical illness related to HIV/AIDS is 100% of the sum insured in a lifetime. A 24-month waiting period shall apply between the occurrences of the insured condition related to HIV/AIDS. Whereas a 48-month waiting period shall apply for the insured condition which is not related to HIV/AIDS and its complications.

The diagnosis of HIV/AIDS must be supported by the following evidence and confirmed by a specialist medical practitioner –

  1. Enzyme-linked immunosorbent assay (ELISA) testing is repeatedly ELISA reactive
  2. Western blot testing is reactive

Under this cover, the insurer will pay for the following critical illnesses arising due to HIV/AIDS infection –

  1. Tumors
  2. Encephalitis
  3. SLE
  4. Chronic constrictive pericarditis
  5. Cancer
  6. Pulmonary Hypertension
  7. Pulmonary renal syndrome
  8. Organ Transplant
  9. Conditions related to Lung, Liver & Kidney

Note: Maximum three claims in a lifetime shall not apply to a valid claim under Critical Illnesses Related to HIV/AIDS. ’ 

Liberty Critical Connect Policy Optional Cover

You can add any of the below-mentioned optional covers under this policy by paying an additional premium for it

Loan Protector Cover: After the first diagnosis of any of the covered conditions, the insurer will pay one of the following, whichever is lower:

  1. EMI of a loan for 12 months
  2. A lump sum amount as specified in the policy schedule (3% of the sum insured)

This benefit is subject to submission of sanction letter, repayment track record and bank account statement reflecting EMI or Loan account statement.

Note: You can avail of this benefit until the Principal Outstanding loan amount is fully paid or expiry of the policy period, whichever is earlier.

Option to Waive a 30-Day Survival Period: By choosing this optional cover, you can waive the survival period.

Free Look Period

A free look period of 15 days applies from the date of receipt of the policy document to review the terms and conditions of this policy. You can cancel this policy during the free look period by stating the reasons for cancellation in writing. If there are no claims reported during the free look period, you will be entitled to a refund of the paid premium after a deduction on pre-policy health check-ups, stamp duty charges and proportionate risk premium for the period on the cover.

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