Q1. What expenses are covered under Liberty Health Insurance for Parents?

Ans: Liberty Health Insurance for Parents covers various expenses such as in-patient treatment expenses, day care procedures, pre-hospitalization expenses, post-hospitalization expenses, domiciliary hospitalization treatment, hospital daily cash allowance, emergency local road ambulance charges, organ donor expenses, second medical opinion, recovery benefit, nursing allowance, restoration of sum insured, and more.

Q2. What is covered under the hospitalization expenses benefit of Liberty Health Insurance for Parents?

Ans: The hospitalization expenses benefit covers various expen7ses such as room and boarding expenses, intensive care unit bed charges, doctor's fees, nursing expenses, surgical fees, prescribed drugs and medicines, investigation services, dressing, and the cost of prosthetic devices if implanted during a surgical procedure.

Q3. Is there a loyalty perk available under Liberty Health Insurance for Parents?

Ans: Yes, the policy provides a loyalty perk wherein the basic sum insured is increased by 10% for every claim-free policy year, up to a maximum of 100% of the basic sum insured. The loyalty perk applies to both individual and family floater policies.

Q4. What is the coverage for domiciliary hospitalization treatment?

Ans: Domiciliary hospitalization coverage includes medical expenses incurred by an insured person for domiciliary hospitalization treatment taken at their home in India. The coverage is limited to 10% of the basic sum insured for a policy year.

Q5. Is there a limit to the total liability of the insurance company for payment of claims?

Ans: Yes, the total liability of the insurance company for payment of any claims during each policy year shall not exceed the total sum of the basic sum insured, earned cumulative bonus, and restoration of the basic sum insured as stated in the policy schedule.

Liberty Health Insurance for Parents

Discover Liberty Health Insurance for Parents, an array of health insurance plans tailored to meet the distinct needs of individuals aged 50 years and above. Liberty General Insurance Company goes the extra mile by offering benefits such as pre and post-hospitalization covers and emergency road assistance services with lifelong renewable benefits. This ensures that parents can confidently embrace their golden years, knowing their healthcare needs are taken care of.

Liberty Health Insurance Plans for Parents

Take a close look at the diverse range of Liberty Health Insurance Plans for Parents:

Plan Name	Plan Variant	Sum Insured	Pre-existing Diseases Waiting Period	Co-Payment
Liberty Health Connect	E-Connect	Rs 3 lakhs to Rs 7.5 Lakhs	4 Years	-
	Basic	Rs 2 lakhs to Rs 10 Lakhs	4 Years	-
	Elite	Rs 3 lakhs to Rs 15 Lakhs	3 Years	-
	Supreme	Rs 2 lakhs to Rs 15 Lakhs	2 Years	-
Secure Health Connect	Secure Basic	Rs 2 lakhs to Rs 5 Lakhs	4 Years	10% for non-network hospitals and insured above 60 years
	Secure Elite	Rs 2 lakhs to Rs 10 Lakhs	4 Years	10% for non-network hospitals and insured above 60 years
	Secure Supreme	Rs 3 lakhs to Rs 10 Lakhs	4 Years	NA
	Secure Complete	Rs 2 lakhs to Rs 15 Lakhs	4 Years	10% for non-network hospitals and insured above 60 years

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Eligibility Criteria for Liberty Health Insurance for Parents

Below are the eligibility requirements for purchasing Liberty Health Insurance for parents:

Plan Name	Minimum Entry Age	Maximum Entry Age	Renewability
Liberty Health Connect	18 years	65 years	Lifelong
Secure Health Connect	18 years	65 years	Lifelong

Key Benefits of Liberty Health Insurance for Parents

Below are the primary benefits of buying Liberty Health Insurance for parents:

Coverage for in-patient treatment expenses, including room and boarding expenses, doctor's fees, nursing expenses, surgical fees, and prescribed drugs and medicines consumed on the premises
Both individual and family floater coverage options are available
Emergency local road ambulance charges are covered.
Day care procedures and treatments are covered, where the procedure or surgery is completed in less than 24 hours in a hospital or standalone day care centre
Pre-hospitalization medical expenses incurred prior to covered hospitalization are covered.
Post-hospitalization medical expenses incurred after the covered hospitalization are covered
Domiciliary hospitalization treatment is covered, limited to 10% of the basic sum insured for a policy year, except for certain specific conditions
Hospital daily cash allowance is provided for each continuous and completed period of 24 hours of hospitalization, up to a maximum of 10 days
Organ donor expenses including screening charges and medical expenses for the harvesting of the donated organ
A second medical opinion service is available for insured persons seeking information to gain confidence in their medical diagnosis and treatment plan
Health check-up for insured persons aged 18 years and above, limited to a maximum of two adult insured persons
Auto increase in sum insured for every claim-free year with cumulative bonus

Inclusions of Liberty Health Insurance for Parents

Liberty Health Insurance for parents encompasses the following coverage elements:

Coverage	Liberty Health Connect	Coverage Secure Health Connect
In-patient hospitalization expenses	✓	✓
Pre-hospitalization medical expenses	✓	✓
Post-hospitalization medical expenses	✓	✓
Day care treatment	✓	✓
Domiciliary hospitalization	✓	X
Road ambulance cover	✓	✓ (Not applicable for Secure Complete Plan)
Organ donor expenses	✓	X
Second e-opinion on major illnesses	✓	X
Recovery benefit	✓	X
Daily allowance	✓	✓ (Only in Secure Complete Plan)

Optional Inclusions (Purchased as Add-ons)

Liberty Health Insurance offers a range of optional coverages for parents to tailor your plan:

No Claim Bonus: 10% of the sum insured for every claim-free year, Max up to 50% of the sum insured
Annual Health Check-up: Available from Day 1 for All Insured Members
E-Consultations: Consultations with General Physicians on Mobile Application
Smart Select Plan available where no co-payment is required
Reload of Sum Insured
Enhanced Cumulative Bonus
Waiver of Medical Expenses Sub-limits

Exclusions of Liberty Health Insurance for Parents

The following treatments and medical costs fall outside the scope of Liberty Health Insurance for parents:

Non-medical expenses
Treatments due to alcohol addiction
Obesity and weight control treatments
Cost of contact lenses, spectacles and hearing aids
Cosmetic or plastic surgery
Treatment for baldness
Intentional self-injury
Treatments received outside of India
Treatment for sexually transmitted diseases
Expenses related to any unproven treatment, services, and supplies
Treatment for sterility and infertility

FAQs

Q1. What expenses are covered under Liberty Health Insurance for Parents?

Ans: Liberty Health Insurance for Parents covers various expenses such as in-patient treatment expenses, day care procedures, pre-hospitalization expenses, post-hospitalization expenses, domiciliary hospitalization treatment, hospital daily cash allowance, emergency local road ambulance charges, organ donor expenses, second medical opinion, recovery benefit, nursing allowance, restoration of sum insured, and more.
Q2. What is covered under the hospitalization expenses benefit of Liberty Health Insurance for Parents?

Ans: The hospitalization expenses benefit covers various expen7ses such as room and boarding expenses, intensive care unit bed charges, doctor's fees, nursing expenses, surgical fees, prescribed drugs and medicines, investigation services, dressing, and the cost of prosthetic devices if implanted during a surgical procedure.
Q3. Is there a loyalty perk available under Liberty Health Insurance for Parents?

Ans: Yes, the policy provides a loyalty perk wherein the basic sum insured is increased by 10% for every claim-free policy year, up to a maximum of 100% of the basic sum insured. The loyalty perk applies to both individual and family floater policies.
Q4. What is the coverage for domiciliary hospitalization treatment?

Ans: Domiciliary hospitalization coverage includes medical expenses incurred by an insured person for domiciliary hospitalization treatment taken at their home in India. The coverage is limited to 10% of the basic sum insured for a policy year.
Q5. Is there a limit to the total liability of the insurance company for payment of claims?

Ans: Yes, the total liability of the insurance company for payment of any claims during each policy year shall not exceed the total sum of the basic sum insured, earned cumulative bonus, and restoration of the basic sum insured as stated in the policy schedule.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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