Liberty Secure Health Connect
  • Wide Sum Insured Options
  • Stay-fit Perks
  • 6-hour Claim Assure
Liberty Secure Health Connect
Network hospitals

Network hospitals

6000+

Incurred claim ratio

Incurred claim ratio

98%

Sum insured

Sum insured

Up to 30 Lakh

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

3

Pan India Presence

Pan India Presence

110+

Customized Health Insurance Plan for you.

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Liberty Secure Health Connect

Secure Health Connect policy designed by Liberty Health Insurance offers comprehensive coverage with a wide range of sums insured from INR 2 lac to 15 lac. The plan is an individual and family floater plan wherein you can cover yourself, your spouse, and a maximum of 3 children under a single sum insured. Secure Health Connect policy covers in-patient hospitalization expenses, pre and post-hospitalization expenses, day care treatments, road ambulance cover, lifelong renewal, tax benefits, and other additional features for further customization of the plan as per requirement. The entry age for adults is 18 years to 65 years. Whereas, for dependent children, the entry age is 91 days. Liberty Secure Health Connect customers can avail of cashless hospitalization facilities from 5000 network hospitals across the country. The health insurance plan has an initial waiting period of 30 days and a 48-month waiting period for pre-existing diseases.

Liberty Health Insurance offers a claim assurance guarantee to its customers where the insurance provider responds to your cashless claim request within 6 hours. If they are unable to do so, you are entitled to up to INR 1500 per hospitalization. Secure Health Connect is a flexible health insurance policy with 1/2/3 years of policy term for customers to select their policy tenure.

Liberty Secure Health Connect Specifications

To understand Liberty Secure Health Connect Insurance in detail, take a look at the below table:

Entry Age

Minimum: Child: 91 Days to 25 Years, Adult: 18 Years

Policy Type

Individual and Family Health Insurance

Sum Insured

2 L | 3 L | 4 L | 5 L | 7.5 L | 10 L | 15 L

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

1, 2, 3 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

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Choose Your Liberty Secure Health Connect

With wide coverage options available, Liberty Secure Health Connect Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Not Covered

Organ Donor

Not Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Covered

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Covered

Sub-limits

Not Covered

What is Room Rent?

The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

What is Domiciliary Hospitalization?

Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.

What is Automatic Restoration?

It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.

What is Daily Hospital Cash?

Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section deliveries.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

What is Compassionate Travel?

Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.

Liberty Secure Connect at a Glance

Claim Assurance INR 1,500 reimbursed to the customer
Network Hospitals 5000
No claim Bonus 25% every claim-free year, up to 100% SI
Co-Payment Option Non-Network Hospital: 10 % Co-pay Insured above 60 years: 10% Co-Pay

Benefits of Liberty Secure Health Connect

There are a plethora of benefits involved with Liberty Secure Health Connect that act as a financial safety net for customers in the face of adversity. Listed below are some of the benefits provided by Liberty Secure Health Connect.

  • Plan Variants
    There are 4 different plan variants offered under Secure Health Connect Policy for the customer’s own convenience
    • Secure Basic - 2,3,4,5 Lac
    • Secure Elite - 2, 3, 4, 5, 7.5, 10 Lac
    • Secure Supreme - 3, 4, 5, 7.5, 10 Lac
    • Secure Complete - 2, 3, 4, 5, 7.5, 10, 15 Lac
  • Stay Fit Perks
    Liberty Secure Health Connect keeps their customers motivated in order to help them stay fit by providing them with automated additional perks on every block of 2 claim-free years as per the terms and conditions of the policy SI and term opted.
  • Claim Assurance Feature
    Liberty secure health connect policy assures its customers with a claim assurance feature wherein if customers raise a cashless claim request and it has not been attended to within 6 hours of the request raise, the insurer offers up to INR 1,500 per hospitalization to the customer.
  • Optional Covers
    Customers can enjoy optional covers such as:
    • Reload of Sum Insured - states that the sum insured can be reloaded equivalent to the original Sum Insured opted.
    • Enhanced Cumulative e Bonus - Individuals can avail enhanced cumulative bonus as per the formula generated by the insurers wherein (Cumulative Bonus + Optional Cover Cumulative Bonus ) per year shall be enhanced by opting for this option and as per the Plan opted.
    • Waiver of medical expenses sub-limits - Under this optional benefit sub-limits, as specified in the policy schedule are waived off by opting this Optional Cover
  • Tax Benefits
    Premiums paid towards the liberty secure health connect policy are eligible for tax benefits as per the Income Tax Act of India.

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What is Not Covered?- Exclusions

Admission primarily for investigation & evaluation.
Admission primarily for rest cure, rehabilitation, and respite care.
Circumcision, sex change surgery, cosmetic surgery & plastic surgery.
Investigation & Evaluation
Substance abuse and self-inflicted injuries.
Obesity/Weight Control
Hazardous sports, war, terrorism, civil war, or breach of law.
Cosmetic or plastic Surgery
Experimental, investigational, or unproven treatments.
Breach of law
Excluded Providers
Dietary supplements and substances that can be purchased without a prescription
Refractive Error
Unproven Treatments
Sterility and Infertility
Maternity expenses

Claim Process For Liberty Secure Health Connect

The insurer has their own in-house claim settlement process called liberty health 360 in place that helps the customers as required. Insurance holders must register their claim at least 48 hours prior to planned admission. In case of emergency hospitalization, intimation within 24 hours of admission is necessary.

The documents required for the claim process are as follows

  • Pre-authorized claim form filled by the customer
  • Photocopy of identity proof
  • Discharge proof
  • Payment Receipt
  • First Consultation letter and prescriptions provided by the hospital
  • Invoice or bills of implants if any

Individuals filing a claim process can contact Liberty health insurance at their customer care number 18002665844 (08:00 AM to 08:00 PM all days a week) or email their claim request on the email address - Health360@LibertyInsurance.In

In A Nutshell

Liberty Secure Health Connect customers can customize their plan as per their requirements with 4 different plan variants and sum insured options available. The pan covers hospitalization expenses, and daycare treatments, provides regular health check-ups, and offers stay-fit perks. With optional covers like reloading of the sum insured, enhanced cumulative bonus, and waiver of medical expenses sub-limits the insurance holders can modify and utilize the plan to the best of their capacity.

 

Explore other Liberty General Insurance

To cater to the different medical needs of an individual & their family, Liberty General Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Liberty General Insurance plans explore more:

Accident Health Insurance

Liberty Janta Personal Accident Policy

Liberty Janta Personal Accident Policy

Janta personal accident policy designed by Liberty Health Insurance is designed specifically to cater to customers settled in rural India. The J...

Unique Features

  • Personal Accident Cover
  • Worldwide Cover
  • Lifelong Renewability

Liberty Janta Personal Accident Policy (Pros)

Liberty Janta Personal Accident Policy
  • Personal Accident Cover
  • Worldwide Cover
  • Lifelong Renewability

Liberty Janta Personal Accident Policy (Cons)

Liberty Janta Personal Accident Policy
  • Pre-existing diseases not covered
  • Death or disablement due to war
  • Self-harm or suicide attempt

Liberty Janta Personal Accident Policy (Other Benefits)

Liberty Janta Personal Accident Policy
  • Loss of limbs
  • Loss of an eye
  • Complete loss of eyesight in both eyes

Liberty Janta Personal Accident Policy (Eligibility Criteria)

Liberty Janta Personal Accident Policy
  • Minimum: 18 Years
  • Child: 5 to 18 Years
  • Maximum: 75 Years

Individual and Family Health Insurance

Liberty Secure Health Connect

Liberty Secure Health Connect

Secure Health Connect policy designed by Liberty Health Insurance offers comprehensive coverage with a wide range of sums insured from INR 2 lac ...

Unique Features

  • Wide Sum Insured Options
  • Stay-fit Perks
  • 6-hour Claim Assure

Liberty Secure Health Connect (Pros)

Liberty Secure Health Connect
  • Cataract
  • Covid-19 treatment
  • ICU charges

Liberty Secure Health Connect (Cons)

Liberty Secure Health Connect
  • Illegal activities
  • Alcoholism and drug abuse
  • Adventure sports

Liberty Secure Health Connect (Other Benefits)

Liberty Secure Health Connect
  • Ambulance cover
  • Health check-ups
  • Co-payment

Liberty Secure Health Connect (Eligibility Criteria)

Liberty Secure Health Connect
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 15 L

Liberty Secure Health Connect: FAQs

1. What is the waiting period for Liberty Secure Health Connect?

The several waiting period terms under Liberty Secure Health Connect Plan are as follows: Initial Waiting Period - 30 Days Specific waiting period - 24 months Pre-existing conditions - 48 months

2. What are the eligibility criteria for Liberty Secure Health Connect insurance plan?

The plan is available on an individual and family floater basis wherein the entry age for children is 91 days to 25 years and the entry age for adults is 18 years to 65 years.

3. Do customers require to undergo a pre-policy health check-up before purchasing Liberty Secure Health Connect?

Customers do not require to undergo any pre-policy health check-up. However, individuals who are above 55 years of age and want to invest in Liberty secure health connect have to undergo a pre-policy check-up.

4. What are the various relationships covered under the family floater variant under the Liberty Secure Health Connect insurance plan?

The relationships covered under the family floater variant are as follows: Self Spouse Children Parents Parents-in-law Siblings Son-In-Law Doughter_in_law Grand Children Grand Parent

5. What is the discount policy offered under the Liberty Secure Health Connect Insurance Plan?

Liberty Secure Health Connect offers a 10% additional discount on adding more than 2 family members under a single policy.

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.

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