Quote Form

Our representative will call you within few minutes
Health Insurance 527 views May 29, 2021
Liberty Secure Health Connect Policy covers all the reasonable and customary charges incurred towards your medical expenses. This policy is available to persons aged between 18-65 years and it can be purchased on an individual or family floater basis. Under this policy you can cover your spouse, parents, parents in law, siblings, children (91 days – 25 years), daughter in law, son in law, grandchildren, grandparents. And there is no pre-policy health check-up applicable to individuals aged below 55 years. Continue reading this page and learn about the coverage of the Liberty Secure Health Connect Policy.
Table of Contents
Under this policy, you and other insured members of your family will get coverage against the following medical expenses –
In-Patient Hospitalization Expenses: The insurer shall cover the following medical expenses if you or any of the insured members are hospitalized due to an illness or injury during the policy term.
Note: If you are admitted to a room where the room rent is higher than the one specified in the policy certificate, you need to bear the difference between the room rent incurred and the room rent limit.
Pre & Post-hospitalization Expenses: Any medical expenses incurred during the policy period, before and after your hospitalization, provided such medical expenses were incurred for the same condition for which you are hospitalized, the insurer shall cover those expenses.
Day Care Procedure/Treatment: The insurance company will indemnify the medical expenses incurred on a treatment towards a daycare procedure as mentioned in the policy schedule. Daycare procedure/treatment shall be covered if you are hospitalized as an inpatient for less than 24 hours in a Hospital or a daycare center.
Emergency Local Road Ambulance Charges: You’ll get coverage against the ambulance service if it is offered by a healthcare or ambulance service provider, provided the transportation has been prescribed by a medical practitioner and it is medically necessary as per your condition.
Hospital Daily Cash Allowance: The insurer will pay an amount as specified in the policy schedule for each continuous and completed hospitalization of 24 hours. You’ll receive hospital cash up to the 10th day of continuous hospitalization, provided a valid claim is admissible under in-patient treatment.
Cumulative Bonus: If the policy is renewed without any break and you haven’t filed a claim in the previous policy year, the sum insured will be increased by 10% or 25% for every claim-free. The maximum cumulative bonus is subject to 50% or 100% of the sum insured. However, in case of a claim, the accrued cumulative bonus will be reduced by 10% or 25%.
Sub Limits on Medical Expenses: The insurer shall apply sub-limit to the following surgeries/medical procedures as specified in the policy schedule –
Co-Payment: For all the admissible claims in a non-network hospital, you have to bear 10% of the admissible claim amount. However, if the insured age is above 60 years, 10% co-pay will apply on all admissible claims of non-network/network hospitals.
Health Check-up: You and any of the insured members aged 18 years or above shall be entitled to a free health check-up at a diagnostic center as specified by the insurer after a block of every two claim-free years.
If Sum Insured INR 2-5 Lakh – The insurer will provide free health check-up for the following tests – Complete blood Count, Fasting Blood Sugar, S.Cholesterol, S. Creatinine, ECG
If Sum Insured INR 6 15 Lakh – The insurer shall cover the following tests under free health check-up – Complete blood Count, Routine Urine Analysis, Fasting Blood Sugar, Lipid profile, S. creatinine, ECG
Stay Fit Perks: Under this policy, you’ll get an additional perk on the renewal of the policy after every two claim-free years. You can utilize the accumulated Stay fit perk from the third policy year against any non-medical expenses, co-payments or sub-limits applicable under this policy.
The insurer provides the following optional covers to you by which you can enhance your policy –
Check out the waiting period applicable to this policy
The insurer shall not make any payment for any claim if they arise due to the following –
A free look period of 15 days shall apply to this policy to review the terms and conditions of the policy and return the same if not acceptable. If you have not made any claim during the free look period, you shall be entitled to a refund of the paid premium less medical examination expenses and stamp duty charges. Where the risk has already commenced and the option of return of the policy is exercised, a deduction towards the proportionate risk premium for the period of cover will be made. If only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during the free look period.