Liberty Health Insurance for Kids

Health Connect Policy by Liberty General Insurance provides coverage for kids, right from 91 days to 25 years. The cover for children is only applicable when one of the parents is also covered under the same policy. And children from 18 to 25 years are only covered when they are financially dependent on their parents. The coverage includes expenses related to inpatient hospitalisation, pre-hospitalisation, post-hospitalisation, and several others.

Key Features

• The policy has 4 plans: E-Connect, Basic, Elite, and Supreme
• Sum insured in Lakhs: E-Connect (3-7.5), Basic (2-10), Elite (3-15) and Supreme (2-15)
• No capping, no co-pay and no sub-limits on any plans
• Restoration of the sum insured if the sum insured gets exhausted
• Cover for children up to 25 years if they are financially dependent on parents
• Lifelong renewal of the policy without any age restrictions
• Discounts on premiums if 2 years of policy tenure is chosen

Scope of Coverage

• Inpatient hospitalisation expenses such as room rent, ICU, doctor’s fee, medicines, etc.
• Organ transplant cover or organ donor's treatment
• A second medical opinion from insurer’s expert doctors
• Relationship coverage, including spouse, dependent children, parents, and so on
• Pre and post-hospitalisation for the number of days mentioned in the policy document
• Charges for emergency road ambulance up to a specific amount
• Medical expenses for domiciliary hospitalisation treatment

Eligibility

Children from 91 days to 25 years of age are covered under the policy. However, one of the parents needs to be covered under the same policy. For an adult, the minimum entry age is 18 whereas the maximum entry age is 65 years.

Exclusions

• Expenses incurred on the treatment for HIV, AIDS
• Non-allopathic treatment, such as Ayurveda, Homeopathy, etc.
• Expenses for any weight control programme, cosmetic surgery, congenital diseases, etc.
• Medical costs due to an injury occurred due to self-infliction
• An injury or illness caused by war, enemy, warlike situations, etc.

For any information related to the Liberty Health Connect Policy for kids, you can call InsuranceDekho at 1800-120-5698.