Health Insurance 177 views May 31, 2021

Liberty Health Prime Connect Policy

Liberty Health Prime Connect Policy ensures that your finances remain intact if a medical emergency falls upon you. This policy from Liberty Insurance takes care of your medical expenses during such an emergency.

To know briefly about this plan, look at the key features of the Liberty Health Prime Connect Policy mentioned below.

  1. Flexible policy term
  2. Multiple sum insured options according to their affordability
  3. No sub-limits during treatment
  4. Hospitalization expenses coverage
  5. Critical Illness and Personal Accident Cover
  6. Attractive renewal benefits
  7. Cumulative Bonus Enhancer
  8. Obesity treatments
  9. Hospital Daily Cash Allowance
  10. Local Ambulance Charges
  11. Baby’s vaccination coverage up to 3 years
  12. A 15-day free look period
  13. Tax benefits under Section 80D of the Income Tax Act, 1961

On this page, we will go through these features in detail to understand the plan more clearly.

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

Liberty Health Prime Connect Policy provides a wide range of benefits to the policyholders. We are discussing them in detail below. Please check!

Multiple Plan and Sum Insured Options

Prime Connect Plan from Liberty Insurance provides three options to policyholders – Essential, Optimum and Optimum Plus. Each plan has a different sum insured limit option that you can check in the below table.

Plan OptionSum Insured Option (In INR)
Essential10, 15, 20, 25, 30 and 50 lakh
Optimum10, 15, 20, 25, 30 and 50 lakh
Optimum Plus75 and 100 lakh

Flexible Policy Term

Policyholders can choose a policy term of 1 or 2 years with the lifelong renewability option.

Hospitalization Expenses

Under all the plan options, this policy provides coverage against the expenses incurred on in-patient (minimum 24-hour hospitalization) and day care treatment (less than 24 hours) due to technical advancements. The coverage amount will be up to the sum insured with no sub-limits.

Pre and Post-Hospitalization Expenses

Policyholders will also get coverage against medical expenses incurred 60-90 days before and 90-180 days after hospitalization, respectively. The number of days will depend on the plan option chosen by the policyholder.

Hospital Daily Cash Allowance

During the treatment in a hospital, you will get a daily cash allowance of up to INR 4,000 per day up to the 10th day of continuous hospitalization. Under this benefit, a deductible of the first 48 hours of hospitalization will be applicable.

Emergency Local Road Ambulance Charges

If an insured person needs to get transported to the nearest hospital via an ambulance, the policy will cover the expenses incurred on the same up to INR 8,000.

Organ Donor Expenses

This policy from Liberty Health covers expenses incurred on organ donor screening charges and treatment for harvesting the organ. The coverage amount will be up to the basic sum insured limit.

Nursing Allowance

If a policyholder is seeking the service of a qualified nurse either at the hospital or at his/her residence, the policy will provide a daily allowance of up to 4,000 per day (up to 30 days per policy year).

Laser Eye Surgery

Policyholders will also get expenses incurred towards Laser Surgery (for the refractive index of +5 or -5 or more ) for both eyes up to INR 50,000.

Vaccination for Animal Bite

Liberty Health Prime Connect Policy provides coverage up to INR 7,000 (per policy year) towards vaccination against animal bites during the policy year.

AYUSH Treatment

Under Optimum and Optimum Plus, if a policyholder is undergoing AYUSH treatment in a specified hospital, he/she will get coverage up to 10% of the sum insured in a policy year.

Obesity Treatment Cover

With this policy from Liberty Insurance, policyholders will get coverage up to INR 5 lakh on the procedures related to obesity in case the Body Mass Index is more than 40.

Critical Illness and Personal Accident Cover

If you want to enhance your overall coverage with Critical illness and personal accident cover, you can do the same by paying an additional premium.

Under the Critical Illness benefit, policyholders will get a lump sum payment of up to INR 10 lakh on the occurrence of the following diseases or procedures.

  1. Cancer of Specified Severity
  2. Kidney Failure requiring regular Dialysis
  3. Multiple sclerosis with persisting symptoms
  4. Major Organ / Bone Marrow Transplant
  5. Open Heart Replacement or Repair of Heart Valves
  6. Open Chest CABG
  7. Stroke Resulting in Permanent Symptoms
  8. Permanent Paralysis of Limbs
  9. Myocardial Infarction (First Heart Attack of Specified Severity

Under the personal accident cover, this policy will provide coverage up to 100% and 150% of the sum insured in case of accidental death or permanent total disability. Also, if a policyholder meets with an accident while engaging in an adventure sport, the policy will provide up to 10% of the capital sum insured.

Stay Fit Perk

On filing no claim for consecutive two years, this policy will reward you under Stay Fit Perk. With this, you can utilize the same against claim deduction made towards non-medical expenses (that comes under standard exclusion as otherwise).

Liberty Health Prime Connect Policy Eligibility Criteria

Please check the necessary conditions relating to the Prime Connect policy mentioned below.

  1. The minimum entry age stands at 18 years and 91 days for adults and children, respectively.
  2. The maximum age can go up to 65 and 25 years for adults and children, respectively.
  3. The policy is available both on an individual and family floater basis. Under the family option, you can include self, spouse, dependent children, parents, and parents-in-law up to a maximum of 2 adults and three children.

What is Not Covered Under Liberty Health Prime Connect Policy?

Policyholders will not be covered in the occurrence of the following conditions.

  1. Any hospital admission primarily for investigation diagnostic purpose
  2. Circumcision, sex-change surgery, cosmetic surgery & plastic surgery
  3. Substance abuse or self-inflicted injuries
  4. War, terrorism, civil war or breach of law
  5. External Congenital Anomaly
  6. Nuclear, chemical or biological attack or weapons
  7. The treatment from anyone who is not a Medical Practitioner
  8. Experimental, investigational or unproven treatments

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