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.