Liberty Health Insurance for Parents
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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
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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.
Policybazaar exclusive benefits
- 30 minutes claim support*(In 120+ cities)
- Relationship manager For every customer
- 24*7 claims assistance In 30 mins. guaranteed*
- Instant policy issuance No medical tests*
Health insurance companies
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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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ
##On ground claim assistance is available in 114 cities
Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.
STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
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