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Liberty Health Insurance

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Liberty Health Insurance
Claim Settlement Ratio97%
COVID-19 Coveryes
Network Hospitals6,000
Pre-existing Disease Waiting Period2 years
Starting Premium of Rs. 5 lakhs SIRs. 526/month

Liberty General Insurance Limited is a joint venture between Liberty Citystate holdings PTE Limited, a group company of US-based Liberty Mutual Insurance Group, Enam Securities, a privately owned and managed firm that makes long-term investments in listed companies, and DP Jindal Group, an industrial conglomerate. The Liberty General Insurance, established in 2013, has managed to offer a variety of insurance solutions which include health and personal accident insurance, employee compensation insurance, car and two-wheeler insurance, commercial insurance, fire and engineering insurance, marine insurance and other miscellaneous insurance services in India.

The insurance provider holds an employee strength of more than 1,200 personnel over a network of 97 offices in 95 cities across 28 states of India. It also holds 5000+ hospitals in its network where cashless facilities are provided to its policyholders. When it comes to health care offerings, the insurer attains a range of health insurance products for individuals, families, and corporates. Over the years, the company has been conferred with several awards for its consistent and unparalleled performance. Some of the awards include Model Insurer Asia - Digital and Omni channel award 2017, Most Influential Retail Leaders - CMO ASIA, Digital Transformation Award 2016, etc.

Liberty Health Insurance Premium Calculator 

There are some factors that affect the amount of premium of the health insurance plans. The understanding of these elements can help you select a better health insurance policy as per your budget and requirements. Following are some of the factors that impacts the premium of Liberty Health Insurance Plans:

  • Sum Insured - When policyholders choose a high sum insured amount, the insurer has to offer a higher coverage to them. Therefore, they offer more coverage at higher premium rates to compensate for their costs. It means the sum insured amount influences the premium of the health insurance policy.
  • Body Mass Index (BMI) - People with abnormal Body Mass Index (BMI) hold higher chances to contract a disease or illness such as diabetes, hypertension, etc. It enhances the possibility that insurers will have to compensate for their medical expenses. Hence, policyholders with higher or lower BMIs have to pay a higher premium compared to policyholders with normal BMIs.
  • Injurious Substances - Policyholders who smoke, drink, chew or consume alcohol, tobacco or any other harmful substance are more susceptible to diseases. These people will have more frequent visits to hospitals for treatments, which will increase the load of coverage on the insurer. So, insurance providers charge a higher amount of premium from people who consume injurious products.
  • Family Medical History - If someone has a family with the medical history of specific illnesses or diseases such as cancer, cardiovascular diseases, diabetes and so on, it increases his or her chances of getting suffered to such illnesses sometimes in future. In the wake of this, the insurers are likely to charge a higher premium from the person than other policyholders.
  • Age - Most health insurance policy premiums increase with the age of the policyholders. It is due to the fact that the younger a person is, the less likely he or she is to have any disease. Hence, the age of the policyholder influences the amount of premium of health insurance plans.

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Top Liberty Health Insurance Plan Types

Liberty Health Insurance offers insurance coverage to its policyholders against medical costs arising due to the treatment of illness and/or injury. Following are the top 4 health insurance plans offered by the insurance provider to fulfill your diverse healthcare needs:

1. Liberty Health Connect Health Insurance Policy - The Liberty Health Connect Policy is a comprehensive health insurance policy that offers a host of variants to cover your medical expenses such as E-Connect, Basic, Elite, and Supreme. The plan provides the sum insured amount ranging from Rs. 2 lakh to Rs. 15 lakh. The minimum and maximum entry age of the insured under this policy is 18 years and 65 years respectively. It is available on an individual and a family floater basis with lifetime renewability option and policy tenure of 1 and 2 years. Some benefits of this plan include in-patient treatment, day care procedures, domiciliary hospitalisation, hospital daily cash allowance, organ donor cover, ambulance charges, etc.

2. Liberty Health Connect Supra Health Insurance Policy - The Liberty Health Connect Supra is a top-up health insurance plan that helps you enhance the coverage of your existing health insurance policy. In addition to the top-up cover, the plan also offers a super top-up option. The sum insured options under the top-up plan goes up to 20 lakh with deductible applicable up to Rs. 10 lakh, while under the super top-up option, the sum insured option reaches up to 1 crore with a deductible up to Rs. 40 lakh. The policy offers coverage for people from the age of 91 days to 65 years, which can be extended with its lifetime renewability option. The policy offers different policy benefits such as in-patient treatment, no co-payment, no sub-limit, worldwide cover, reload of the sum insured, and many more.

3. Liberty Secure Health Connect Health Insurance Policy - The Liberty Secure Health Connect is a health insurance plan designed to offer medical coverage to families. It is segregated in four variants namely Secure Basic, Secure Elite, Secure Supreme and Secure Complete, which comes with the sum insured options from Rs. 2 lakh to Rs. 15 lakh. People between the age of 18 years and 65 years get coverage under this policy but can extend it forever with the lifetime renewability option. This policy is available with flexible policy tenures of 1, 2 and 3 years. It provides a range of benefits such as in-patient treatment, day care procedures, emergency ambulance charges, cumulative bonus, health check up, stay fit perks and so on.

4. Arogya Sanjeevani Health Insurance Policy - The Arogya Sanjeevani Policy is an affordable health insurance policy available on an individual as well as family floater basis, where it offers coverage to different relationships including self, spouse, children, parent, and parent-in-law. It provides the option to choose the sum insured from Rs. 1 lakh to Rs. 5 lakh in multiples of Rs. 50,000. The minimum and maximum entry age under the policy is 18 years and 65 years, but the coverage can be extended to any limit with the lifetime renewability option. The benefits of this plan comprise in-patient treatment, pre-hospitalisation and post-hospitalisation, AYUSH treatment, cataract coverage, day care procedure, cumulative bonus, etc.

What Is a Health Insurance Top-Up Plan and Why Should I Buy It?

A health insurance top-up plan is a regular health insurance policy that offers compensation against the medical expenses only after the threshold limit, known as deductible, of your existing policy gets crossed. It is an economical way to enhance health insurance coverage. This plan offers extra sum insured for a single claim after the exhaustion of sum insured of your existing plan. In addition to this, a super top-up health insurance policy also available that gives a similar type of benefit over the specified deductible amount applied on an aggregate per policy year. The basic difference it holds is that this allows coverage for multiple claims in a policy term after the threshold limit is crossed.

Liberty Health Insurance offers a top-up policy that offers super top-up cover as well under its two variants. The minimum entry age under this plan is 18 years and the maximum entry age is 65 years. This policy has no pre-policy health check-up for proposers with no present or previous adverse medical history. The sum insured options under the top-up variant reaches up to 20 lakh with deductible applicable up to Rs. 10 lakh, while under the super top-up variant, the sum insured ranges up to 1 crore with a deductible up to Rs. 40 lakh. The benefits provided under this policy include in-patient treatment, zero co-payment, zero sub-limit, worldwide cover, reload of the sum insured, loyalty perk, etc.

Liberty Health Insurance Top Up List

  • Family (1)
  • Individual (1)
  • Kids (1)
  • Top-up (1)
Name of PlanSum Insured
Health Connect SupraMin: 91 Days; Max: 65 Years3 Lakh Check Premium
Individual Personal Accident PolicyMin: 18 years; Max: 70 years1 Lakh - 1 Crore Check Premium

Why Choose Liberty Health Insurance?

Liberty Health Insurance offers a range of offerings to its customers. A few of them are as follow:

  • High Claim Settlement Ratio - The insurance provider acquires a claim settlement ratio of 81.03% in the financial year 2019-20. It unveils the dedication, performance, and reliability of the insurer when it comes to the settlement of health insurance claims.
  • 5,000+ Cashless Hospitals - The insurer holds more than 5,000 hospitals in its network where its policyholders can easily get the cashless treatment. This network is spread across the nation to ensure policyholders get medical assistance wherever they are.
  • Quick and Hassle-Free Claim Process - The Liberty Health Insurance offers a simple, smooth and swift claim settlement process through its own dedicated in-house claim processing unit known as Liberty Health 360, which processes with an innovative and holistic approach to assist policyholders in the need of the hour.
  • Awards and Recognition - The insurer has been delivering the finest insurance solutions for years and for which it is awarded with prestigious awards like ‘Rising Star Insurer’ at the Indian Insurance Awards, ‘Employer of Choice’ by Excellence Awards, ‘Best Emerging Organization’ in BFSI” by Patel Group & Co., etc.

Network Hospitals of Liberty Health Insurance

The network hospitals are the clinics, hospitals or healthcare facilities associated with the health insurance provider. The policyholders of the insurers can avail the of cashless treatment at the network hospitals. In such cases, the insurance provider will cover the medical expenses of the insured person or policyholder by directly paying off their hospital bills to the network hospital after detailed verification. Liberty General Insurance holds a giant network of 5,000+ hospitals.

Liberty Health Insurance Tax Benefits

The health insurance plans of Liberty Health Insurance are good for your health as well as savings. You can get the tax benefits subject to the maximum of your premium amount of the health insurance policy as per section 80D of the Income Tax Act. Following are the tax benefit details which can be availed with the Liberty Health Insurance Plans:


Premium Paid

Deduction under Section 80D of the Income Tax Act

Self, Family, Children


When Policyholder and Parents are below 60 years

Rs. 25,000

Rs. 25,000

Rs. 50,000

When Policyholder and family members are below 60 years with parents above 60 years

Rs. 25,000

Rs. 50,000

Rs. 75,000

When Policyholder, family members and parents are above 60 years

Rs. 50,000

Rs. 50,000

Rs. 1,00,000

Members of HUF

Rs. 25,000

Rs. 25,000

Rs. 25,000

Non-resident Individuals

Rs. 25,000

Rs. 25,000

Rs. 25,000

Liberty General Insurance Claim Settlement Ratio

The Claim Settlement Ratio denotes a ratio of the number of health insurance claims settled out of the total health insurance claims received by the insurance provider during a financial year. Here are the figures of the health insurance Claim Settlement Ratio of Liberty General Insurance for the last two consecutive years:

Financial Year

Claim Settlement Ratio

FY 2019-2020


FY 2019-2020


(Source: IBAI’s General Insurance Claim Insights Handbook For Policyholders - 4th & 5th Edition)

Liberty Health Insurance Claim Process

The health insurance claim process is a procedure under which the policyholder raises a request for a claim against his or her medical expenses incurred from the insurance provider. A health insurance claim can be processed in two ways which are cashless claims and reimbursement claims.

Cashless Claim Process of Liberty Health Insurance

When an insured member avails the medical treatment at a network hospital of his or her insurance provider, the claim is processed in a cashless manner, i.e., the insurer pays off the medical expenses directly to the hospital.

Here are simple steps to raise a cashless claim with Liberty Health Insurance:

Step 1: Intimate the Insurer
Inform Liberty General Insurance about your hospitalisation at least 48 hours prior to your admission in the hospital, in case of planned hospitalisation, and within 24 hours of admission, in case of emergency hospitalisation at 1800-266-5844.

Step 2: Pre-Authorisation Request
Policyholders should submit a complete report of the disease, treatment details along with necessary certification from the doctor or hospital.

Step 3: Verification of Documents
The network hospital will share the documents with the insurer or Liberty Health 360, an in-house claim processing unit of the insurer. The documents provided will be verified by the claim settlement team of the insurer.

Step 4: Claim Approval
The claim settlement team of the insurer can ask for more information or reports during the verification process. They can even reject the claim, if they find the provided information false or inadequate.

Step 5: Settlement of Claim
If the claim request gets approved, the insurer shall issue pre-authorization to the network hospital for a cashless facility and pays for the admissible claim amount.

How to Make a Liberty Health Insurance Reimbursement Claim?

Whenever a policyholder gets treated in a hospital which is not a network hospital of Liberty Health Insurance, the claim settlement process of reimbursement type is processed. Under this process, the insured persons or policyholders are required to pay off all their medical bills, but can raise a claim reimbursement request later with their insurer.

Following are the simple steps to raise a health insurance reimbursement claim request with Liberty Health Insurance;

Step 1: Get the Medical Treatment
Get medical treatment at the non-network hospital of your insurance provider and make the complete payment for hospital bills and other expenses. Gather all the bills, receipts, documents, reports, etc.

Step 2: Submit Necessary Documents
Send all the relevant documents listed in the policy terms to the insurance provider or Liberty Health 360 within 15 days of discharge from the hospital.

Documents Required for Liberty Health Insurance Reimbursement Claim:

  • Duly completed claim form
  • Original bills, receipt and discharge certificate from the hospital
  • Original cash memos from hospital or chemists with proper prescriptions
  • Original receipt and pathological test reports with proper prescriptions
  • Surgeon’s report stating the nature of operation performed with the original bill and receipt
  • Attending doctor’s or specialist’s original bill and receipt with the report of diagnosis
  • Medical history or summary of the insured individual
  • Original bills & receipts for claiming ambulance charges

Step 3: Verification of Documents
The insurance provider or Liberty Health 360 will carry out a verification process to ascertain the information or documents provided. They may even ask for some more information or reports or documents for the verification.

Step 4: Claim Settlement
On finding all the reports and medical documents accurate and valid, the insurance provider or Liberty Health 360 will accept the claim request of the insured person and will reimburse the complete admissible amount of the claim after the relevant deductions.

Benefits of Liberty Health Insurance Plans

Following are the key health insurance benefit offered by the Liberty Health Insurance Plans:

  • Free Health Check-Up - The health insurance plans of the insurer rewards its policyholders with a free health check-up after 2 years of continuous policy renewal irrespective of the claims made under the policy.
  • Loyalty Perks Benefits - Under this benefit, for every claim-free year, the amount of sum insured automatically increases by 10% of the basic sum insured, which can further go up to a maximum of 100%.
  • Lifetime Renewability - This feature allows the policyholders of the insurance provider to stay associated with the health insurance plan and avail its benefits for a lifetime. The benefit provides a policy renewal option without any exit age.
  • Easy Portability Option - This option helps you change your health plan from any insurance company to this insurance provider, without losing the benefits you have accumulated. It will make you avail the benefits of a better insurer easily.
  • Restoration of Sum Insured - The sum insured amount of the health insurance plan will be restored after the base sum insured level is exhausted due to the claims made during the policy year. The sum insured can be reloaded equivalent to the original sum insured opted.

What All Is Covered Under Liberty Health Insurance Policies?

Policyholders can avail of the following inclusions under the health insurance policies of Liberty Health Insurance:

  • In-Patient Hospitalisation - It is a cover under which insurers offer coverage for medical expenses incurred due to hospitalisation for at least 24 hours for the treatment of injuries or illnesses. The coverage includes room or boarding costs, doctor’s fees, nursing expenses, cost of medicines, medical test costs, etc.
  • Pre-Hospitalisation and Post-Hospitalisation Costs - These are the medical expenses incurred on the treatments and medications of the insured person before and after the hospitalisation for the same illness or injury for which hospitalisation is done. The plans of this insurer give the pre-hospitalisation and post-hospitalisation cover for 30 days and 60 days respectively.
  • Day Care Procedures - This benefit offers medical coverage for procedures or surgeries taken by the policyholder as an in-patient for less than 24 hours in a hospital for a list of illnesses specified under the policy. The health insurance plans of this insurance provider offer coverage for 140 day care procedures.
  • Domiciliary Hospitalisation - Under this option, the insurance provider pays for the medical expenses incurred for the treatment taken at home due to unavailability of bed in a hospital or as the patient is not in a condition to be moved to a hospital.
  • AYUSH Treatment - The benefit covers medical treatment for Ayurveda, Unani, Siddha and Homeopathy in a government hospital or in any institute recognized by the Government and/or accredited by Quality Council of India or National Accreditation Board on Health.

What All Is Not Covered Under Liberty Health Insurance Policies?

Policyholders can not avail of the following exclusions under the health insurance plans of Liberty Health Insurance:

  • Self-Inflicting Actions - Treatment costs of injuries or illnesses suffered due to the act of self-destruction or self-inflicted, attempted suicide or suicide will not be covered.
  • Abuse of Drug or Alcohol - Illness or Injury attributable to consumption, use, misuse or abuse of tobacco, intoxicating drugs and alcohol or hallucinogens are not covered.
  • War-Like Operations - No coverage is offered for injuries or illnesses incurred due to war or any act of war, invasion, an act of a foreign enemy, warlike operations, civil war, riots, and so on.
  • Vaccination Costs - Cost of all the preventive care vaccinations including inoculation and immunizations, other than for post-bite treatment or if used as a part of the treatment, will not get the coverage.
  • Psychological Disorders - The expenses incurred on the treatment of mental illness, stress, psychiatric or psychological disorders will not be compensated.

The inclusions and exclusion mentioned-above may vary from plan to plan offered by Liberty Health Insurance.

Liberty Health Insurance Policy Terms

Following are the descriptions of the health insurance policy terms related to policy benefits and features provided by the Liberty Health Insurance Company. However, the conditions of these offerings may vary from plan to plan:

Minimum Age of Entry

91 days

Maximum Age of Entry

No Limit

Policy Renewal

Liberty Health Insurance provides the lifelong renewability option to its policyholders with which they can continue to avail its health insurance plans till the lifetime. The policyholders can get this benefit just renewing their insurance policies without any break.


For all admissible claims in non-network hospitals, the policyholder shall bear 10% of the admissible claim. Whereas, when the insured person is above 60 years, 10% co-pay will be applied on all admissible claims irrespective of network/non-network hospital.

Waiting Period

A waiting period of 30 days from the commencement date of the plan will apply to all diseases or illnesses other than accidental bodily injury requiring hospitalization. Also, pre-existing diseases and any complications arising from the same will not be covered until 48 months of continuous coverage since inception of the policy.

How to Buy Liberty Health Insurance Policy at InsuranceDekho?

Policyholders can buy health insurance from Liberty Health Insurance through online and offline methods at InsuranceDekho.

Buy Liberty Health Insurance Plan Online at InsuranceDekho

Follow the below steps to buy a Liberty health insurance policy at InsuranceDekho:

Step 1: Visit the official website of InsuranceDekho, i.e., and select the ‘Health’ tab.

Step 2: Select your Gender and enter your Name and Mobile Number. Filling these will get you an ‘OTP’, please enter that.

Step 3: Choose the time when you wish to buy the health insurance plan. Click on the ‘View Instant Quotes’ to proceed.

Step 4: Select the members of your family whom you want to include in the health insurance plan along with you.

Step 5: Select the age of the family members whom you have added in the policy and click on the ‘Continue’ button.

Step 6: Enter your Email ID and City and click on the ‘Submit and View Quotes’ button. Different insurance policy quotes will appear as per your selections. Select an insurance plan as per your budget and requirements.

Step 7: Select the policy term of the selected health insurance policy. Fill the required details and make payment to complete the insurance plan purchase process.

Buy Liberty Health Insurance Plan Offline at InsuranceDekho

To buy a Liberty Health Insurance plan offline at InsuranceDekho, you can get in touch with us at 7551-196-989 between 9.30 AM to 6.30 PM (Monday-Sunday). For any questions or assistance, please get in touch with us at

Liberty Health Insurance Renewal Process

The renewal process makes the policyholder continue to avail the features and benefits of the plan of Liberty Health Insurance. The process allows the insured persons to modify the health insurance plans such as a change in sum insured, opt for add-ons, and so on, which helps them stay protected in a better manner.

Following are the steps to renew a health insurance plan of Liberty Health Insurance:

Step 1: Visit the website of Liberty General Insurance, i.e., Choose the ‘Health’ tab and click on ‘Renew LGI Policy’.

Step 2: Enter the Policy Number and Date of Birth of the Proposer, then click on the ‘Submit’ button.

Step 3: Review the details of health insurance plans and premium amount to proceed for the renewal

Step 4: Make payment for the amount of health insurance policy online through the payment gateway of the insurance provider.

Health Insurance News


  • How to buy and apply for the health insurance policy of Liberty General Insurance?

    You can buy and apply for health insurance policies online from the official website of Liberty General Insurance or through the online broker’s website like InsuranceDekho.

  • What are the coverage benefits under health insurance policies of Liberty General Insurance?

    The health insurance policies of Liberty General Insurance come with extensive coverage benefits, such as pre and post-hospitalisation, inpatient treatment, daycare treatment, ambulance charges, and much more. 

  • Is the Second Opinion option available under the policy of Liberty General Insurance?

    Yes, Liberty General Insurance offers the Second Opinion benefit under one of its policies, which is Liberty Health Connect.

  • Does Liberty General offer any family floater policy?

    Yes, Liberty General offers a family floater policy by the name of Liberty Health Connect. This plan is also available on an individual basis. 

  • Who is the third-party administrator (TPA) of Liberty General Insurance?

    Vipul Med Corp is the Third Party Administrator (TPA) of Liberty General Insurance. The company strives for the quick and hassle-free claims process.

User Reviews

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  • Friendly Customer Support

    InsuranceDekho is a company of the best insurance experts. I loved my purchase of the Liberty Health Insurance Policy from their website. The customer care team was very friendly. They helped me through the process in detail and were ready to help me at any time. I liked the insurancedekho’s WhatsApp communication feature which made it much easier to get in touch with the customer support team of the company.

    By Naresh Raghav
    On: Mar 08, 2024
  • Clear Communication

    I appreciate InsuranceDekho's commitment to clear communication. Throughout my interaction with them regarding my Liberty General medical insurance policy, the information provided by the customer support team was accurate and clear. It's this transparency that makes me confident in my choice of InsuranceDekho for health insurance.

    By Ayush Tiwari
    On: Feb 28, 2024
  • Easy Online Process

    While buying the Liberty Health Insurance plan from InsuranceDekho, I enjoyed the digital experience. It was so easy and simple to purchase Liberty health insurance from InsuranceDekho through an online process.

    By Ishani Singh
    On: Dec 20, 2023
  • Discounts and Offers Were a Bo...

    InsuranceDekho's periodic discounts and special offers added extra value to my Liberty Health Insurance Policy purchase. It's nice to see a platform that not only provides excellent service but also rewards its customers.

    By Alok Bhattacharya
    On: Nov 22, 2023
  • Purchased a good policy

    I am really amazed to find such a good cover under the Liberty Health Insurance Policy. I am covered for too many healthcare expenses and that too at a low premium rate. So thankful to the InsuranceDekho team for exceeding my expectations and helping me buy this plan.

    By Shradhha Jaiswal
    On: Aug 28, 2023