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Liberty Secure Health Connect Health Insurance

117 reviews Rate This
Liberty Health Insurance
Secure Health Connect
Cashless Approval TATWithin 90 minutes
Claim Settlement Ratio98%
COVID-19 Coveryes
Network Hospitals6,000
Pre-existing Disease Waiting Period2 years
Renewabilityyes
Starting Premium of Rs. 5 lakhs SIRs. 526/month

About Liberty Secure Health Connect Health Insurance

Everybody wants to look after his/her family and desire to deliver them proper healthcare services. In this era when medical costs are soaring, buying a medical insurance plan is the best way out to secure your loved ones. Thus, Liberty Insurance has come up with a scheme called Secure Health Connect Policy. The plan offers coverage on an individual as well as family basis. The policy is divided among four different variants namely Secure Basic, Secure Elite, Secure Supreme and Secure Complete, where it offers the sum insured ranges from Rs. 2 Lakh to Rs. 15 Lakh.

The plan allows different family members to get the coverage, which includes self, spouse, kids, parents, parents-in-law, grandparents, grandchildren, sibling, and son-and daughter-in-law. The entry age of the plan ranges between 18 years and 65 years. However, the age of coverage for kids ranges from 91 days to 25 years. The policy provides features such as in-patient hospitalisation, daycare procedures, reloading of sum insured, hospital daily cash and so on. In, short the plan is a value for money policy and holds the potential to take care of yourself and your family.

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Disclaimer : Actual Premium might vary basis your location, age and number of members
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Key Inclusions and Exclusions of the Plan

What's Included

  • Option to reload the sum insured
  • Availability of flexible policy term
  • Coverage for local ambulance charge
  • Enhanced cumulative bonus is offered
  • Hospital daily cash allowance

What's Not Included

  • Costs incurred on non-allopathic treatment
  • Expenses related to sexually transmitted diseases
  • Treatment of injuries occurred due to self-infliction
  • Pregnancy expenses, except ectopic pregnancy
  • Cosmetic surgeries and procedures unless needed

Secure Health Connect User Reviews

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What users are saying
  • All
  • Stress-free Buying Process

    I bought the Liberty- Secure Health Connect from InsuranceDekho. It was an amazing experience. The customer support team was very helpful and guided me through the process in the best possible way. I loved my overall experience and would recommend it to everyone. They have the best health insurance plans listed on their website. 

    S
    By Sumeet Kohl
    On: Jun 21, 2023
  • Trustworthy platform

    I have bought Liberty General’s Secure Health Connect insurance for my family using the InsuranceDekho platform. After calculating my premium, I was ready for the payment. I was amazed to see that I did not have to pay any extra charges. The clarity received from the website is commendable. 

    M
    By Megha Karmakar
    On: Nov 03, 2020
  • Happy with this policy

    I was looking for a policy providing hospital daily cash amount. Thanks to insurancedekho for their suggestion of this policy. I also liked this plan because it has helped me cover my parents-in-law, brother and sister at low premium cost. For me this is a proper investment.

    D
    By Dilawar Singh
    On: Feb 29, 2020
  • More benefits at less premium

    Secure health connect is my first policy with liberty. I have purchased it on floater basis. The premium amount is very less. However, the benefits are many, including day care procedures, hospital daily cash, reload of sum insured, and others. I recommend this plan to all.

    P
    By Prem Lata
    On: Feb 24, 2020
  • Total value for money

    I purchased this policy on the advice of insurancedekho team. I really feel this is the right plan for me as it covers me for most of the required medical expenses without being a threat to my savings. Benefits like hospital daily cash, sum insured reload and enhanced cumulative bonus are really helpful features of this policy.  

    V
    By Vidya Rautela
    On: Feb 18, 2020

Add-ons to Enhance Benefits

  • Reload of Sum Insured

    When the Sum Insured gets exhausted due to a single but hefty claim or due to different claims made in a policy year, the firm offers a reload of the Sum Insured equivalent to its original amount as specified in the policy schedule. This option can be earned with the payment of an additional premium.

  • Enhanced Cumulative Bonus

    By paying a little extra premium, the policyholders can earn an enhancement in their cumulative bonus, available under the coverage features. The increase may go up to 150% amount of the Sum Insured or as prescribed under the details of the policy, whichever amount is lower, is provided to the policyholders.

  • Waiver of Medical Expenses Sub Limits

    Under this additional benefit, the insurance providing firm agrees to waive off the sub-limits applicable on the listed illnesses/injuries subject to the Sum Insured, the utmost limit of indemnity. This waiver benefit is available on payment of an additional amount of premium.              

Liberty Secure Health Connect Expert Review

  • Expert Review

    You tend to give maximum to your loved ones, don’t you? You worry about your family’s health security, right? Rising medical inflation has become an obstacle for a healthy family, isn’t it? Liberty General understands this and brings Secure Health Connect Policy, which lets you avail the best possible treatment for your family so you can live a healthy lifestyle. Available on an individual and family floater basis, this plan secures you and your entire family members, including spouse, parents, children, parents-in-law, grandchildren, grandparents, sibling, and son and daughter-in-law. Thus, keeping you stress-free.

    Designed to have four different variants - Secure Basic, Secure Elite, Secure Supreme and Secure Complete, Secure Health Connect Policy provides daily cash benefits and covers in-patient hospitalisation, pre & post-hospitalisation, daycare treatment, local ambulance charges, and so on. When it comes to the eligibility, Secure Health Connect serves all, starting from 91 days to 65 years. In a nutshell, the plan is value for money and has features to take care of you and your family. 

  • Major Attractions

    The Secure Health Connect Policy has been designed in a way to stop you from getting your savings drained due to treatment. A source of a big relief, this product comes with add-on covers, such as the option of Reload of Sum Insured, Enhanced Cumulative Bonus, and Waiver of Medical Expenses Sub Limits. The optional benefits can be availed on the payment of additional premiums. Let’s explore some more benefits that will let you ascertain how this policy is suitable for you.

    • Auto increase in SI by 20%, 25% & 30% for every claim-free year up to maximum of 100% or 150% as per plan chosen
    • Auto additional perks on every block of two claim-free years
    • No need for pre-policy medical health check-up up to 55 years
    • Freedom to the policy for 1 year, 2 years or 3 years
    • Allowance for non-medical expenses for a maximum of 10 days of continuous hospitalisation
    • No age restrictions on renewal of the policy
    • Cover for pre-existing diseases after 4 years of a waiting period
    • Additional 10% discounts if more than 2 members are covered under the same policy
  • What’s More?

    Secure Health Connect Policy, without any doubt, can be the best shield against medical expenses and it can prevent you from meeting financial instability. Guaranteed response to cashless claims within 6 hours of the request, option to pay premiums in instalments, ‘Stay Fit Perks’ and dedicated customer support service sets the policy apart in the industry. The sum insured options from 3 Lakh to 15 lakh is another customer-friendly feature of the policy. Apart from these, Liberty General lets you enjoy:

    • Assured lifetime renewability of the policy
    • Optional covers to expand the cover
    • 15 days of free look period to cancel the policy if you’re not satisfied
    • Quality third party support for claim settlement
    • Tax benefits under section 80D of the income tax
  • Conclusion

    Secure Health Connect policy serves as the upper hand in securing you and your family’s health without making a hole in your pocket. With the policy in hand, you can get your happiness loaded as your loved ones is insured.

    To speed up the process of purchasing health insurance and making the process fully transparent, opt for the online mode. The online purchasing experience can benefit you of comparing policies, understanding the policy’s features and knowing how you’ll get assisted in an emergency. Choose InsuranceDekho as your trusted online partner for policy purchase and enjoy life tension free.

Liberty Secure Health Connect Brochure

  • 4.82 MB
  • PDF Document
  • Jul 22, 2019

Claim Process at Liberty Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Secure Health Connect Health Insurance Plan

  • What is the prescribed age limit for Secure Health Connect Policy?

    Minimum entry age under the plan is 18 years, while the maximum age is 65 years. Besides, children between 91 days and 25 years are eligible to get covered under the plan if either of their parents is insured under the plan.

  • How many variants and sum insured options are offered under the policy?

    There are 4 variants available under the plan. The sum insured of the variants are: 

    Secure Basic – Sum Insured Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh

    Secure Elite – Sum Insured Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 6 Lakh, Rs. 7.5 Lakh, Rs. 10 Lakh

    Secure Supreme – Sum Insured Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 6 Lakh, Rs. 7.5 Lakh, Rs. 10 Lakh

    Secure Complete – Sum Insured Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 6 Lakh, Rs. 7.5 Lakh, Rs. 10 Lakh, Rs. 15 Lakh

  • What are the relationships that are allowed to get coverage under the Secure Health Connect Policy?

    The relations which are eligible to get covered under the plan are self, spouse, children, parents, parents-in-law, grandparents, grandchildren, siblings, son-in-law and daughter in law.

  • Does the plan provide coverage for daycare procedures?

    Yes, the plan covers medical costs for 405 daycare treatment and procedures.

  • At how many hospitals the cashless facility is offered for the plan?

    There are more than 3,700 cashless hospitals where you can avail the cashless facility for Secure Health Connect Plan.

  • What are the flexible policy terms available under the policy?

    The duration of flexible policy terms under this health insurance plan are of 1, 2 and 3 years.

  • Does the plan cover emergency local road ambulance charges?

    Yes, the policy covers the costs incurred towards the transfer of an insured person to the nearest hospital by the road ambulance.

  • Does this insurance plan offer lifelong renewability option?

    Yes, the policy provides a feature of lifelong renewability.

  • I am a 46 years old man. Do I need to go through any medical test to buy this health insurance plan?

    No, you do not need to go through any medical screening to purchase this plan. As per the policy terms, no pre-check-up is required for people up to 55 years of age.

  • Can I earn any tax benefit on the purchase of Secure Health Connect Policy?

    Yes, with the purchase of this plan you can earn a tax benefit under Section 80D of IT Act. 

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