Liberty Secure Health Connect Policy: Benefits, Features, Renewal

Liberty Secure Health Connect Policy

Liberty Secure Health Connect Policy offers comprehensive health insurance coverage along with the benefits of flexibility to reload the sum insured, increase cumulative bonus, stay fit perks etc. Apart from this, the plan also covers daycare procedures, daily hospital cash and in-patient hospitalization.


Policy Tenure	1,2, 3 years
Pre-policy Test	Not required up to 55 years
Claim Assurance	Rs 1500 reimbursed for not fulfilling the assurance
Cumulative Bonus	Up to 150% of the SI

Coverage Offered

Liberty Secure Health Connect Policy offers coverage under 4 of the following plans:

The four plans are:

Complete - Sum Insured: 2, 3, 4, 5, 6, 7.5, 10 and 15 lakh
Basic - Sum Insured: 3,4, 5 lakh
Elite - Sum Insured: 2,3, 4, 5, 6, 7.5, 10 lakh
Supreme - Sum Insured: 3, 4, 5, 6, 7.5, 10 lakh

All four plans provide the coverage for follow:

In-patient treatment Expenses
Domiciliary Hospitalization Treatment
Day Care Treatment
Second Opinion of Doctor
Extended Policy Tenure
Loyalty Perks
Health Check-Up

Inclusions of this Plan

Liberty Secure Health Connect plan have the below-mentioned policy inclusions:

Hospitalization Expenses: The plan covers in-patient hospitalization and treatments done in the hospital, where the patient hospitalization is for more than 24 hours.
Day Care Procedures: The plan covers 405-day care procedures, which require hospitalization of less than 24 hours.
Pre- Hospitalization: Pre-hospitalization expenses for 30 days for the E-connect plan and 60 days for all other three plans are covered.
Post- Hospitalization Expenses: Post-hospitalization expense is covered in this plan. It is 60 days for the E-connect plan and 90 days for all other plans.
Emergency Road Ambulance Charges: The plan covers emergency road ambulance charges. It pays Rs 1,500 for E-connect & Basic Plan and Rs 2,000 Elite & Supreme Plan as ambulance charges.
Hospital Daily Cash Allowance: Liberty Health Insurance pays per day allowance of Rs 500 per day for the E-connect plan and Basic plan. It pays Rs 1,000 per day for Platinum and Elite plan options. This policy pays after 48 hours of continuous hospitalization for up to ten days.

Exclusions of this Plan

Liberty Secure Health Connect Health Insurance does not cover the following:

Charges incurred for non-allopathic treatment
STDs
Injuries due to self-harm or suicide attempt
Pregnancy and maternity expenses
Cosmetic and Aesthetic procedures and surgeries

Please refer to the policy document for a detailed list of exclusions.

Liberty Secure Health Connect Policy: Features and Benefits

Liberty Secure Health Connect Insurance Policy features and benefits are as follows:

Reload of Sum Insured: In this benefit, if the sum insured amount for a year is exhausted, then the total sum insured gets restored automatically for the current policy year.
Enhanced Cumulative Bonus: In case of no claim made, there is an option to enhance cumulative bonus, which can be up to a maximum of 150% of the sum insured.
Pay Premium Installments- The policy offers the flexibility of paying the premiums in installments rather than in one go.
Flexible Policy Term– The policy coverage is provided for 1, 2 and 3 years.
Stay Fit Perks – This plan provides automatic bonuses after every two claim-free years, according to the sum insured chosen and type of plan opted. One can use this sum after the renewal of the policy.
Claims Assurance– The policy provides a guaranteed reply to one's cashless claims request in 6 hours, or the policy pays Rs 1,500 per hospitalization.
Tax Benefits - This policyholder gets tax benefits under 80C of Income Tax Act, 1961 on the premiums paid for this plan.

Eligibility Conditions

The policy comes with the following eligibility conditions:

Type	Individual or Family Health Insurance
Minimum Entry Age	18 years
Maximum Entry Age	65 years
Number of people covered	Self, spouse, in-laws and parents up to 65 years of age, dependent children up to 25 years of age
Residential Status	Indian citizens and Residents

Cancellation of Policy

For Liberty Secure Health Connect Policy Health Insurance, the plan provides a Free-look period. If the Insured is not satisfied with the policy terms, he/she can return or cancel the policy. This has to be done within 15-days period from the policy commencement date, provided no claim has been paid. The premium after tax deduction and a stamp charge is refunded to the policyholder.

FAQs

Q. What is the waiting period in the online Liberty Secure Health Connect Policy?

Ans: There is a waiting period of 90 days in this plan. For critical illnesses, the waiting period is two years, and for pre-existing diseases, it is four years.
Q. Is there a co-payment feature available for non-network hospitals?

Ans: Yes, there is a co-payment feature of 10% for non-network hospitals.
Q. Can an applicant buy Liberty Secure Health Connect Policy online?

Ans: Yes, applicants can buy Liberty Health Insurance plans online.
Q. Are ICU charges covered in this plan?

Ans: Yes, ICU charges are covered by the policy.
Q. Are organ donor charges covered in this plan?

Ans: Yes, organ donor charges are taken care of by the plan.

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*

❮ ❯

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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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Liberty Secure Health Connect Policy