Health Insurance 539 views May 28, 2021

Liberty Health Connect Insurance Policy

Liberty Health Connect Insurance Policy could be suitable for individuals looking to take care of their medical expenses during healthcare needs. This policy from Liberty Insurance provides coverage against the medical treatment of illnesses and accidents requiring in-patient hospitalization. With multiple sum insured options, this policy not only covers hospitalization expenses but also pre-and post-hospitalization expenses, day care procedures, organ donor expenses, etc.

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To understand this plan further, we are showing some prominent features and benefits of the Liberty Health Connect Policy below. Please check!

  1. Flexible sum insured facility
  2. Availability of multiple plan variants
  3. Flexi policy term
  4. In-patient hospitalization coverage
  5. Day care procedures coverage
  6. Pre and post-hospitalization expenses
  7. Organ Donor expenses
  8. Recovery benefit
  9. Nursing allowance up to 30 days
  10. No sub-limits and co-pay facility
  11. No capping on room rent
  12. Unique renewal benefits
  13. No pre-policy medical check-up for individuals below 55 years
  14. Tax benefits under Section 80D of the Income Tax Act, 1961
  15. A 15-day free look period

You would like to go through this page if you want to know these features in detail. Here, we will discuss the same along with its eligibility criteria. Let’s start without any further delay!

Features and Benefits of the Liberty Health Connect Insurance Policy in Detail

To get an overview of the Liberty Health Connect Insurance Policy, let’s discuss its features and benefits mentioned below. Please check!

Multiple Plan and Sum Insured Options

Liberty Health Connect Policy offers multiple plan options from which policyholders can choose according to their affordability and needs. To know more, check the below table.

Plan Variant OptionsSum Insured Options (in INR)
E-commerce3/ 4/ 5/ 7.5 lakh
Basic2/ 3/ 4/ 5 / 6/ 7.5/ 10 lakh
Elite3/ 4/ 5 / 6/ 7.5/ 10/ 15 lakh
Supreme2/ 3/ 4/ 5 / 6/ 7.5/ 10/ 15 lakh

What is the Policy Term of Liberty Health Connect Policy?

For the Health Connect Insurance policy, the policy term can be 1 or 2 years. However, policyholders can enjoy the lifelong renewal facility.

In-patient Treatment Expenses

Under all the variant options, if a policyholder needs hospitalization (for a minimum of 24 hours) for the treatment of an illness or due to an accident, the policy will cover the expenses during in-patient treatment.

Day Care Treatment

If a policyholder is undergoing medical treatment and/or surgical procedure in a hospital or day care center (less than 24 hours due to technological advancement), this policy will provide coverage against such day care treatments.

Pre and Post Hospitalization Expenses Coverage

With this policy from Liberty Insurance, policyholders will get coverage against the expenses before (30 to 60 days) and after (60 to 90 days) the hospitalization. The number of days will depend on the chosen plan option.

Hospital Daily Cash Allowance

During hospitalization, a policyholder will get daily cash per day of his/her hospitalization up to 10 days of continuous hospitalization with a deductible of 48 hours. The minimum coverage amount will be INR 500 per day, and it can go up to INR 1,000 per day.

Emergency Local Road Ambulance Charges

If an individual needs to be transferred to a nearby hospital via an ambulance, the policy will cover the expenses incurred on the transportation per hospitalization. The coverage amount ranges from INR 1,500 to 2,000 within the basic sum insured.

Organ Donor Expenses

Liberty Health Connect Insurance Policy will also cover the organ donor’s screening charges and the medical expenses for an organ donor’s treatment for the harvesting of the organ up to the basic sum insured.

Recovery Benefit

Under the Supreme variant option, policyholders will also get a lump sum payment of INR 10,000 if they undergo hospitalization for more than ten continuous days.

Nursing Allowance Benefit

If a policyholder needs the service of a qualified nurse either at the hospital or at his/her residence, this policy will provide INR 500 as a daily allowance up to 30 days per policy period. This benefit will be available only under the Supreme option.

Extended Policy Tenure

Under all the variant options of Liberty Health Connect Policy, the policy tenure will be increased (up to the number of days he/she is out of the country) if a policyholder is out of the country for a continuous period of more than 15 days.

Pre-policy Medical Checkup

Individuals below 55 years don’t need to undergo any pre-acceptance medical screening. For people above 55 years, 50% cost of the pre-policy medical check-up will be paid by the Liberty Health Connect Policy.

Discounts on Premium Amount

If a policyholder is purchasing the policy on an individual sum insured basis and more than 2 family members are covered in it, a 10% discount will be given. Also, if you choose a 2-year policy period, you will get a 7.5% discount on the overall premium.

What is the Minimum Premium for Liberty Health Connect Policy?

The premium amount for Health Connect Insurance Policy from Liberty Insurance will depend on the sum insured, policy tenure, age of the policyholder and plan opted. The minimum premium stands at INR 2,862 for the sum insured of INR 2 lakh for individuals between 91 days to 25 years under the Basic Plan.

Liberty Health Connect Policy Eligibility Criteria

Have a look at the points related to the eligibility criteria of the Liberty Health Connect Insurance Policy mentioned below.

  1. The minimum entry age for adults stands at 18 years, while it can be 65 years.
  2. For children, the entry age can range between 91 days and 25 years if either parent is getting insured under the policy.

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