Liberty Health Insurance
Health insurance is a type of insurance plan that provides complete or partial coverage of a policy holder’s medical expenses.
Many people hold the notion that health insurance as an unnecessary add on to life insurance policy, which is just so not true. Life insurances provides the family of the policy holder a certain amount of money as insured, after the death of the policy holder, while health insurance pays for the medical expenses of the policy holder and enrolled family members.
The importance of health insurance can never be overstated, especially in today’s scenario where more and more people are being affected with lifestyle related diseases and the rising cost of health care. Health insurance helps bring world class health facility within the access of a vast majority of people that too without burning a hole in their pocket.
One such insurance that is offering great health insurance plans at attractive rates along with a range of value added services, excellent post sales services and fast claim settlement is the Liberty Health Insurance. It is a fairly new player in the health insurance industry but, is already making waves in the private health industry sector of India.
Liberty Health Insurance review
The Liberty Health Insurance is a product of the Liberty Videocon General Insurance Company Limited. The parent company is a joint collaboration between Videocon Industries limited and Liberty Citystate holdings PTE Ltd, which is a part of US based Liberty mutual Group. The company started its operation in the year 2013 with an aim to provide customised solutions to the people.
The Liberty Health Insurance is a unique health insurance policy in terms of its comprehensive and flexible nature. The Liberty Health Insurance comes jam packed with a variety of benefits and key features that sets it apart from the rest.
For instance, the Liberty Health Insurance is specially designed to cover the policy holder’s over all medical and hospitalisation needs. Liberty Health Insurance also covers second consultation charges and offers a free look up period of 15 days. The Liberty Health plans are also competitively priced and offer cashless treatment facilities at all of its network hospitals. It is due it such remarkable features that customers are drawn towards it.
Liberty Health offers a range of health insurance plans that are categorised under two main heads, i.e. Liberty Health Connect Policy and Hospi Cash Connect Policy.
The varied types of Liberty Health Insurance plans offered under these two categories are as follows;
Liberty Health Connect policy
- Health E connect
- Health Connect Basic
- Health Connect Elite
- Health Connect Supreme
- Health Connect Supra
- Individual Personal Accident Policy
- Janta Personal Accident Policy
Hospi Cash Connect Policy
- Hospi Sure Plan
- Hospi Sure Optima Plan
- Hospi Sure Ultima Plan
- Hospi Sure Supreme Plan
- Hospi Sure Excel Plan
Liberty Health Insurance Key features
The Liberty Health Insurance is no ordinary health insurance and does not have one or two unique features. In fact it would not be wrong to say that the entire Liberty Health care is composed of unique features. Here’s a look at some of its striking features;
- Liberty Health Insurance provides cashless treatment across 3300 network hospitals
- Liberty Health Insurance rewards its policy holders via Loyalty perk benefits
- The insurance also offers coverage for pre-policy medical check-up
- The Recovery Benefit is payable
- Liberty Health Insurance provides daily Nursing allowance
- Liberty Health Insurance also provides daily Hospital Cash
- Get 100% restoration of the basic sum insured
- The liberty health care offers free health check-up after every 2 policy renewals
- Automatic increase in the insured sum owing to loyalty perk benefit or no claim bonus
- There is also no pre-policy medical check-up for people below 45 years of age
- Liberty Health Insurance also automatically extends the policy tenure, in case the policy holder is abroad
- Liberty Health Insurance covers pre- existing disease after the first renewal of a 3 year term policy.
Besides these unique features Liberty Health Insurance also offers the usual benefits like no ambulance charges, pre and post hospitalisation charges, lifetime renewal facility, etc.
Liberty Health Insurance Hospital List
Liberty Health Insurance has tie – ups with more than 4000 hospitals spread across various parts of the country that offers cashless treatment to the policy holders. For the complete list of Liberty Health Insurance network hospitals just log on to the company’s website and click on the network hospital locater tool.
Liberty Health Insurance Renewal
Liberty Health Insurance is a tech savvy health insurance provider and understands the importance of quick service and as such offers instant policy renewals on the company’s e – portal. Old school also need not worry as the traditional offline method of policy renewal is also there albeit working a tad faster than others.
Liberty Health Insurance rave reviews speak for its massive popularity. The company also treats its employees pretty well, which might be the reason behind its success, as happy employees’ mean superior productivity. Liberty Health Insurance was awarded ‘Employer of choice’ award in the year 2014, which just vindicates the above point.
Not only their employee, Liberty Health Insurance also has a way with its customers and has efficiently settled 91.78% of claims. This whole some approach to health insurance has proved to be the success mantra of Liberty Health Insurance, making it one of the most popular and leading health insurance provider in India.