Liberty Secure Health Connect Policy: Benefits, Eligibility and Coverage
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Liberty Secure Health Connect

The plan is an individual and family floater plan wherein you can cove ...Read More

Up to 30 Lakh
Sum insured
1
No. of plans
110+
Pan India presence
97.64%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,691 reviews
🏥 6,000+ hospitals
📊 1.75 solvency ratio
✅ 97.64% claim settlement

About Liberty Secure Health Connect

A quick read on what this Liberty General Insurance plan covers and why it might be a fit for you.

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.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Minimum: Child: 91 Days to 25 Years, Adult: 18 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹7 L, ₹10 L, ₹15 L
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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Cataract
  • Covid-19 treatment
  • ICU charges

Cons

  • Illegal activities
  • Alcoholism and drug abuse
  • Adventure sports

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Liberty Health Insurance

Liberty Health Insurance

This video talks about Liberty Health Insurance in detail. It talks about the Solvency Ratio, and Claim Support Ratio which helps an individual to analyze the Claim settling ability of the Insurer.

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 under section 80D as per the Income Tax Act of India.

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • 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

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

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

Other features & benefits

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.

 

Liberty Secure Health Connect: FAQs

The 5 most-asked questions about Liberty Secure Health Connect, answered.

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

Conclusion

A feature-rich health insurance plan with flexible sum insured options, recharge benefits, wellness

Explore Liberty General Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 17 Jul 2023 · Originally published: 6 Nov 2024

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