Liberty medical insurance protects you against rising healthcare costs, various diseases and ailments. It provides comprehensive coverage for your pre/post hospitalisation expenses, second-consultation costs and also offers a free look period of up to 15 days.

  • Cashless facility.
  • Restoration of the sum insured.
  • 91% claim settlement ratio(FY'2018-19).
  • Assured renewal for life.
  • Tax benefits (Section 80C).

Liberty health insurance from "Liberty General Insurance Limited " serves millions across the country through its 5,000+ strong cashless hospital network and 24x7 claim assistance services.


Features & Advantages: Liberty Videocon Health Insurance

  • Covers inpatient hospitalisation expenses such as room/boarding expenses, ICU bed charges, doctor's fees, nursing expenses, surgical fees, operation theatre charges, anaesthetist, anaesthesia, blood, oxygen, physical therapy, prescribed drugs and medicines consumed on the premises.
  • Pre-hospitalisation expenses when the expenses were incurred for the same condition for which the insured individual's subsequent hospitalisation was required.
  • Post-hospitalisation expenses: Immediately after the insured individual was discharged, provided such expenses were incurred for the same condition for which the insured's earlier hospitalisation was required, and there is a valid claim admissible.
  • Daycare procedures: Medical expenses incurred towards a daycare procedure mentioned in the list of such procedures in the policy (the procedure/surgery is taken by the insured individual as an inpatient for less than 24 hours in a hospital/standalone daycare centre).
  • Waiting period exclusions: 30 days to 36 months.
  • Auto-increase in the sum-insured by 10% for every claims-free year up to a maximum of 100% of the sum insured if the policy is renewed without any break or within the grace period.
  • Free health checkup after 2 years of continuous policy renewal (irrespective of the claims made).
  • Additional benefits helpful in preventing and/or bettering current conditions: First medical opinion, Live health talk, Electronic medical record management (EMRM) and fortnightly newsletters.


Liberty Videocon Health Insurance Plans


1] Liberty Health Connect

  • Available with four plans: E-connect, Basic, Elite and Supreme.
  • Covers inpatient treatment expenses and daycare treatment.
  • Pre-hospitalisation expenses: 30-60 days and post-hospitalisation expenses: 60-90 days (depending on the plan you choose).
  • Basic sum-insured: 2-15 lakh rupees (depending on the plan you choose).
  • Domiciliary hospitalisation: 10% of SI.
  • Restoration of the sum insured: Available for all the plans barring the basic one.
  • Option to change the plan/enhance the sum insured.
  • Hospital daily cash: 500 to 1,000 rupees/day (depending on the plan you choose).
  • Emergency local ambulance: 1,500 to 2,000 rupees.
  • Organ donor expenses: Up to basic SIOr 1 lakh rupees.
  • Second opinion expenses.
  • Recovery benefit and nursing allowance: Only in the Supreme plan.
  • Extended policy tenure.
  • Health check-up and loyalty perks.


2] Health Connect Supra

  • Available with two plans: Top Up and Super Top Up plan.
  • An extension for your existing Liberty health insurance.
  • Provides financial cover over and above the basic sum assured in your policy.
  • A single policy for individual and family members.
  • Covers inpatient treatment, including room rent, nursing, medical practitioner, boarding expenses, ICU and daycare treatment.
  • Pre-hospitalisation expenses: 30-60 days and post-hospitalisation expenses: 60-90 days (depending on the plan you choose).
  • Basic sum-insured: 3 lakh to 1 crore rupees (depending on the plan you choose).
  • Auto increase in sum insured by 10% for every claims-free year up to a maximum of 100% (Not available for the Top Up plan).
  • Optional covers: Reload of the sum insured, AYUSH treatment, World-wide coverage (Not available for the Top Up plan), Wellness and assistance program, Medical monitoring and case management, Medical consultation and evaluation and Emergency medical evacuation.
  • No policy check-up up to 65 years.
  • Attractive discounts on multi-tenure policy (2 or 3 years).


3] Secure Health Connect

  • Maximum coverage at a minimum premium.
  • Covers inpatient treatment expenses and daycare treatment.
  • Pre and post-hospitalisation expenses (as per your plan).
  • Option to reload the sum insured.
  • Hospital daily cash allowance (for up to 10th day of continuous hospitalisation).
  • Emergency local ambulance charges.
  • Pay premiums in instalments.
  • Enhance the cumulative bonus earned for each claim-free year (up to 150% of the sum insured).
  • No pre-policy checkup up to 55 years.


4] Janta Personal Accident Insurance Policy

  • Coverage against accidental deaths and also provides accidental benefits.
  • Pre and post-hospitalisation expenses.
  • Physical damages arising exclusively and directly from accidents due to visible, external/violent means.
  • 100% of CSI in case of accidental death, loss of limbs (both hands or feet or one hand and foot), irremediable and total loss of sight of both eyes, an eye and a limb and total permanent disability due to accident.
  • 50% of CSI in case of loss of sight of one eye or irremediable and complete loss of use of any/one of the limbs.
  • Restoration of the sum insured.


5] Individual Personal Accident

  • Protects you and your family against the financial impacts of unexpected accidents (including minor and major accidents or physical losses arising due to disablement/death in the event of an accidental bodily injury).
  • Covers you, your spouse and two dependent children (3 months-25 years of age).
  • Get the financial aid to offset any resulting loss in income and support towards treatment and other costs.
  • Value-added covers: Cost of repatriation of mortal remains,Carrying out the funeral ceremony and Child education benefit.
  • Optional covers: Accidental Hospitalisation Expenditure, Accidental Hospital Daily Cash, Broken Bone, Life Support Assistance, Ambulance Transportation Charges, Family Transportation Benefit, Child Education Support Benefit, Loan Protector, Outstanding Bills Protection Benefit, Legal Bail Expenses and Double Indemnity.


General Exclusions of Liberty General Health Insurance

  • Waiting period: 30 days (from the commencement date of the first policy, applies to all diseases or illnesses contracted other than accidental bodily injuries requiring hospitalisation).
  • 2-year waiting period: For treatments such as cataract, benign prostatic hypertrophy, hernia, hydrocele, fistula in anus, piles, sinusitis and related disorders.
  • Pre-existing conditions: Pre-existing conditions and any complications are not covered until 36 months of continuous coverage since the inception of your first policy.
  • Any condition directly/indirectly caused by/associated with sexually transmitted diseases including genital warts, syphilis, gonorrhoea, genital herpes, chlamydia, pubic lice, trichomoniasis and AIDS (whether or not arising out of HIV).
  • Treatments arising from/traceable to pregnancy, miscarriage (unless due to an accident), childbirth, maternity, abortion or related complications.
  • Dental treatments or surgeries (unless requiring hospitalisation due to an accident).
  • Charges incurred in connection with cost of spectacles, contact lenses, hearing aids, routine eye/ear examinations, laser surgeries for correction of refractory errors, dentures and artificial teeth.
  • Experimental, investigational and unproven treatments.
  • Procedures, investigations and treatments related to sleep disorders or sleep apnea syndrome.
  • Treatment of mental illness, stress, psychiatric and psychological disorders.
  • War/any act of war, invasion, an act of a foreign enemy, warlike operations, civil war, public defence, rebellion, revolution, insurrection, mutiny, military/usurped acts, seizure, capture, arrest, restraints and detainment of all kinds.
  • Illnesses or injuries arising from insured individual committing any breach of law with criminal intent.
  • Acts of self-destruction, self-inflicted/attempted suicide or illnesses or injuries attributable to use/misuse/abuse of tobacco, intoxicating drugs and alcohol/hallucinogens.


Note: Please refer to detailed insurance product brochures for policy/plans-specific exclusions.


Liberty Health Insurance Premium

Liberty videocon health insurance premiumis based on factors such as your age, medical history, lifestyle habits, the sum insured and type of cover you choose. 

One can compare policies and plans by visiting Liberty General Insurance's official website. Alternatively, you may use established online insurance comparison portals such as to explore quotations, simplify and speed up the process of buying medical insurance.


Liberty Health Insurance Renewal & Purchase

One can apply for/renew health insurance policy by viewing and comparing quotes online through insurance comparison platforms such as


Liberty Health Insurance Reviews

Liberty health insurance is known for highly customisable and comprehensive plans with a variety of practical benefits. It is admired for excellent technology implementations and also considered the prefered choice for those looking for flexible policy terms or hassle-free claim settlements.


Liberty Health Insurance Policy: FAQs

Q: Is it compulsory to have health insurance in India?

No, it is not. However, it is always advisable.

Q: What is the maximum number of insurance claims allowed every year?

Any number (unless a specific cap is mentioned in your policy).

Q: Is there a time-period under which I must inform Liberty health insurance of hospitalisation?

Within 24 hours in case of unexpected hospitalisation and at least 48 hours before planned hospitalisation.

Q: What should I do in case of an accident/illness that will lead to the filing of a claim?

Immediately notify the TPA/company by calling toll-free number specified in the policy document with the following details: Policy Number/Health Card number, Name of the Insured/Insured Person availing treatment, Details of the disease, Name and address of the Hospital and any other relevant information.

Q: How can I register a claim with Liberty health insurance?

Call 18002665844 (08:00 AM to 08:00 PM, all days a week OR Email at OR send a letter by post/courier.​


Disclaimer: The information shared is purely indicative. Please refer to the policy wordings for most up-to-date and precise details.

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