4 min read
Updated on Jul 13, 2022
Liberty Health Insurance is a part of the Liberty General Insurance Limited, which is a collaboration between DP Jindal Group, Enam Securities and Liberty Mutual Insurance Group of the United States. The insurance company comes with several beneficial health insurance plans to cover the numerous medical needs of people insured under their health plans. The comprehensive policies offered by Liberty Insurance are cost-effective. These plans offer cashless treatment in the wide network of hospitals that come under the insurer.
Liberty General Insurance Limited was established in 2013 to offer comprehensive solutions to insurance policyholders with multiple products ranging from:
The company has over 1200 people working in 110 offices across 95 global cities. With 94% ratio of claim settlement in FY 2019-20, the company offers easy claim settlement.
|Network Hospitals Available||5000+|
|Waiting Period (Pre-existing Ailments)||2/3/4 years|
|Claims Settlement Ratio||94%|
* Year Data 2019-20
Here are some of the top Liberty Health Insurance Plans:
This is a all-inclusive health plan with optimum coverage available at a reasonable price. This plan is available as both as family floater plans and as liberty individual health insurance plans with several coverage benefits.
This plan permits the insured person to claim for medical costs even if the amount of sum insured gets exhausted in the basic plan. However, here you need to pay deductible for each claim. The plan is available with many benefits. This plan again serves as a family floater plan and as a liberty individual health insurance policy.
3. Liberty Secure Health Connect
This policy serves as an individual and family floater plan to cover all members of a family at a reasonable premium price.
Below steps can be followed to purchase Liberty health insurance policy online:
Below are the steps to be followed for Liberty Health Insurance renewal:
Below are the steps to follow for filing a Liberty health claim:
The ratio of claims that are settled by an insurer during a policy year as against the complete claims that the insurer receives during the year is called Claim Settlement Ratio.
The claim settlement ratio of Liberty health insurance for the financial year 2018-19 was 83.03%, whereas it is 94% for the year 2019-20.
|Financial Year||Claim Settlement Ratio|
Liberty Health Insurance is a part of the Liberty General Insurance Limited, which is a collaboration between DP Jindal Group, Enam Securities and US-based Liberty Mutual Insurance Group. The insurance company comes with several beneficial health insurance plans to cover the numerous medical needs of people insured under such plans. The comprehensive policies offered by Liberty Insurance are cost-effective. These plans offer cashless treatment in the wide network of hospitals that come under the insurer.
Below are some benefits of Liberty health insurance:
# Sum insured restored
# worldwide coverage
# Covers wellness & assistance program
# Covers preventive care
# Covers in-patient hospitalization including room rent and ICU
# Covers pre, post hospitalization costs for 60 days and 90 days respectively.
# Cover 400+ day care procedures.
# Cover AYUSH treatment, etc.
Yes, most Liberty health plans allow portability features within the company from one plan to another as well as from one insurer to another. You need to approach the company to avail this feature.
Follow the below steps to file a claim for Liberty health plans:
# Approach a network hospital.
# For planned hospitalization, inform TPA 48 hours prior to getting admitted.
# For emergency treatment, inform TPA within 24 hours of getting admitted.
# At the hospital, show your Liberty Health Card along with providing the ‘Policy number' with a valid photo ID.
# Ask for the pre-authorization form from the hospital.
# Fill in the form and submit
# Once your identity is checked, the TPA will send the form to the insurer.
# Once the insurer verifies the documents, they can approve or deny the claim.
# The insurer will confirm the status of the claim to the insured via message or e-mail.
# The claim is then settled as per the terms & conditions of the policy.
The various health plans offered by Liberty insurance company include:
Personal accident insurance
Employee compensation insurance
Fire and engineering insurance
Below are the steps to be followed for Liberty Health Insurance policy renewal:
Go to the website of Liberty Insurance.
Click on ‘Renew’ on the home page.
Submit policy details. Now, click on the tab ‘Renew’.
Choose the quote that suits you aptly.
Make the payment online.
Your policy is renewed.
Policyholders of Liberty health insurance can claim for health insurance via cashless treatment claim or via reimbursement claim option.
Below are the documents required:
Duly completed claim form.
Original reports and bills of medical investigation.
Original discharge summary.
Original cash memos from the hospital.
Original bills by doctor.
Original bills of ambulance service charges.
Certificate from surgeon, doctor regarding disease diagnosis.
Any other documents asked by the insurer.
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