Liberty Secure Health Connect Health Insurance
Claim Settlement Ratio | 97% |
COVID-19 Cover | yes |
Network Hospitals | 6,000 |
Pre-existing Disease Waiting Period | 2 years |
Renewability | yes |
Starting Premium of Rs. 5 lakhs SI | Rs. 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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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
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Add-ons to Enhance Benefits
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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.
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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
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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
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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
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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.
Claim Process at Liberty Health Insurance
FAQs on Secure Health Connect Health Insurance Plan
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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
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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.
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Does the plan provide coverage for daycare procedures?
Yes, the plan covers medical costs for 405 daycare treatment and procedures.
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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.