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Liberty Secure Health Connect Plan

The skyrocketing inflation has made medical expenses a financial burden. On the other hand, medical costs are part and parcel of life, which we cannot avoid. To give us relief from this situation, health insurance policies are designed that promise to give us financial protection against different healthcare costs. In this competitive health insurance market, Liberty General Insurance has come up with an affordable health insurance plan, Secure Health Connect, that ensures happiness for you and your entire family by offering all the features you have always looked forward to in your health insurance policy. The company also promises to give you a guaranteed response to cashless claims within 6 hours of the request. This is a comprehensive standard health plan that you need to keep yourself and your family healthy, safe, and protected. To know more about this plan, have a look at the below mentions.

Eligibility Conditions

ParametersCriteria
Minimum entry age

Child – 91 days

Adult – 18 years

Maximum entry age

Child – 25 years

Adult – 65 years

Exit ageNo
RenewalLifelong renewability
Plan variants

Secure Basic

Secure Elite

Secure Supreme

Secure Complete

Policy term1, 2, and 3 years
Sum insured options

Secure Basic – Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 Lakhs

Secure Elite – Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 6 lakhs, Rs. 7.5 lakhs, Rs. 10 Lakhs

Secure Supreme – Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 6 lakhs, Rs. 7.5 lakhs, Rs. 10 Lakhs

Secure Complete – Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 6 lakhs, Rs. 7.5 lakhs, Rs. 10 lakhs, Rs. 15 lakhs

Who can be coveredSelf, spouse, dependent children, dependent parents, and dependent parents-in-laws
Maximum members to be covered

2 Adults

2 Adults + 1 Child

2 Adults + 2 Children

2 Adults + 3 Children

1 Adult + 1 Child

1 Adult + 2 Children

1 Adult + 3 Child

Installment frequencyMonthly, quarterly, and half-yearly
Grace period30 days
Waiting period

Initial – 30 days, except for accidental injuries.

Pre-existing diseases – 48 months

Specified surgeries/treatments/diseases – 24 months

Listed procedures – 48 months

Cashless facilityAvailable, more than 5800 partner hospitals are spread all over the country.

Understand the benefits of Liberty Secure Health Connect Plan

This plan has come up with a sack full of benefits and facilities to keep you and your family protected. The following table gives a detailed description of those. Have a look.

ParametersDescription
Hospitalization expenses coverCovered
Pre-hospitalization expenses

Secure Basic – 30 days

Secure Elite – 30 days

Secure Supreme – 45 days

Secure Complete – 30 days

Post-hospitalization expenses

Secure Basic – 45 days

Secure Elite – 45 days

Secure Supreme – 60 days

Secure Complete – 45 days

Day care procedures and treatmentsYou can get covered for medical expenses for 405 day care procedures which do not require 24 hours Hospitalisation due to technological advancements in medical science.
Emergency local road ambulance charges

The plan covers expenses incurred towards the transfer of the Insured Person to the nearest Hospital having an adequate emergency.

Secure Basic – 1% of the sum insured, subject to

maximum Rs. 1,000 per insured, per year.

Secure Elite – 1% of the sum insured, subject to

maximum Rs. 2,000 per insured, per year.

Secure Supreme – 1% of the sum insured, subject to a maximum of Rs. 3,000 per insured, per year.

Secure Complete – Not available

Hospital daily cash allowancePer day allowance that takes care of non-medical expenses incurred during hospitalization is payable for a maximum up to the 10th day of continuous hospitalization under this cover. This cover comes into effect after the first 48 hours of hospitalization. This benefit is only available with the Secure Complete variant.
Tax exemption benefitsYou can avail of tax benefits under section 80D of the Income Tax Act 1961 on the premium you pay towards this policy.
Pre-policy medical check-upNot required up to the age of 55 years
Payment basis

Payment on an indemnity basis (Cashless / Reimbursement) except for Hospital Daily

cash allowance.

Cumulative bonus

Secure Basic – Per Year, 10%, maximum up to 50%.

Secure Elite – Per Year, 10%, maximum up to 50%.

Secure Supreme – Per Year, 10%, maximum up to 50%.

Secure Complete – Per Year, 25%, maximum up to 100%.

Co-payment

Nonnetwork Hospital: 10% co-pay

Insured above 60 years: 10% co-Pay

Co-payment is not applicable for the Secure Supreme variant.

Key Highlights of Liberty Secure Health Connect Plan

Apart from the above benefits, this plan also offers several advantages that have made the policy unique and popular among consumers. Those advantages are discussed below.

Reload of the sum insured:

Under this option, when the Sum Insured is exhausted due to claims made and paid during the policy year, Sum Insured equivalent to the original Sum Insured is automatically reloaded for that policy year.

Stay fit perks:

It is additional perks on every block of two claim-free Policy renewals with us as per the SI and Plan opted. This will be accumulated in your Policy automatically and may be utilized after the 2nd claim free Policy renewal against any deduction as applicable under the Policy

Claims Assurance:

This plan offers you a guaranteed response to your cashless claims requests within 6 hours, or you are entitled to up to Rs 1500/- per hospitalization.

Optional Covers:

To enhance the strength of your policy, you can opt for the additional optional covers offered by the policy. And they are – Reload of Sum Insured, Enhanced Loyalty Perk, and Waiver of Medical Expenses Sub-limits.

Free health check-up:

This plan makes all Insured persons above 18 years of age eligible to avail of a Free Health Check-up benefit after a block of 2 claim-free years with the company.

Enhanced cumulative bonus:

This plan makes you eligible to avail of the option to enhance the Cumulative Bonus earned for each claim-free year as per the plan for a maximum limit of up to 150% of the Sum Insured.

Plan variantsSecure BasicSecure EliteSecure SupremeSecure Complete
Enhanced cumulative bonusPer Year: 20%, maximum up to 100%Per Year: 25%, maximum up to 100%Per Year: 30%, maximum up to 150%Not Applicable

Exclusions of the Liberty Secure Health Connect Plan

Understanding a policy is not completed if you do not go through its exclusions of it thoroughly. Therefore, to give you a comprehensive idea of the plan, and to avoid future complications, here are the exclusions of the Liberty Secure Health Connect Plan.

  • If you raise a claim against any procedure, surgery, or ailment which is still within the waiting period, the company will not accept your claim.
  • Admission primarily for investigation & evaluation will not be compensated by the policy.
  • Admission primarily for rest Cure, rehabilitation, and respite care will fall under the category of exclusions.
  • Any medical expenses related to circumcision, sex change surgery, cosmetic surgery & plastic surgery will be excluded from the policy.
  • Self-inflicted injuries, suicide, or suicide attempt will not be covered.
  • If you take part in any hazardous activities or adventurous sports such as mountaineering, ballooning, scuba diving, etc., and if you receive any injuries due to that, the policy will not take responsibility for those medical expenses.
  • If you undergo any experimental, investigational, or unproven treatments, the company will not take any liability for that.
  • Any kind of breach of law or anything that does not fulfill the terms and conditions of the policy and the company will not be compensated.

Frequently Asked Questions

Change in Plan or in optional cover or change in premium installment frequency or opting for this facility can be done at the time of renewal.

The Medical Expenses incurred during any hospitalization due to the listed Surgeries, Medical Procedures, or any listed medical treatment pertaining to an illness or Injury will be limited to actual expenses or up to the Sub-limits (whichever is less) as stated in the Policy Wordings, which is inclusive of its related Pre and Post Hospitalization.

The Policy provides for an auto increase in the Sum Insured by 10%, or 25%, for every claim-free Policy year up to a maximum of 50%, or 100% of the Sum Insured as per the Plan chosen if the Policy is renewed without any break. The Enhanced Loyalty Perk as available can be enhanced maximum of up to 150% of the Sum Insured or as stated under the Policy Schedule.

Sub-limits, as specified in the Annexure, are waived off by opting for this Add On benefit.

Follow the below table:

In-patient hospitalization

Secure Basic

Secure Elite

Secure Supreme

Secure Complete

Room rent sub-limit

1% of Sum Insured, or a maximum up to Rs. 3000 per day, whichever is lower

1% of Sum Insured, or a maximum up to Rs. 5000 per day, whichever is lower

1% of Sum Insured, or a maximum up to Rs. 3000 per day, whichever is lower

1% of Sum Insured, or a maximum up to Rs. 2500 per day, whichever is lower

ICU sub-limit

2% of Sum Insured, or a maximum up to Rs. 6000 per day,

whichever is lower

2% of Sum Insured, or a maximum up to Rs. 6000 per day, whichever is lower

2% of Sum Insured, or a maximum up to Rs. 7500 per day, whichever is lower

2% of Sum Insured, or a maximum up to Rs. 5000 per day, whichever is lower

The Insured may cancel this Policy by giving 15 days written notice, and in such an event, the Company will refund the premium on short-term rates for the unexpired Policy Period as per the rates detailed in the policy terms and conditions.

The waiting periods mentioned in the Policy wording will get reduced by 1 year on every continuous renewal of your policy.

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