The Liberty Videocon Health Insurance Policy is designed to provide healthcare and hospitalisation needs. Hospitalisation can often be financially devastating. Most of all, the hospital bill brings much more discomfort than the actual ailment for which the treatment is being provided. while the medical and healthcare services have progressed rapidly over the years, so as the rise in treatment costs. Hence Liberty Videocon brings a well-thought solution to cover such financial woes with our Liberty Health Connect Policy.
Liberty Videocon Health Insurance Policy Review
The Liberty Videocon is one of the Top General Insurance Company, which provides many Products like Health Insurance, Car Insurance, Two Wheeler Insurance. Liberty Videocon Medical Insurance is one of the Products provided by Liberty Videocon, which covers different Health Insurance Plans of Liberty Videocon. Hence, the Customer looking for best Health Insurance Policy can opt for this Liberty Videocon Health Insurance Plan.
The Liberty Videocon General Insurance provides different Liberty Videocon Health Insurance Plans for the Customers. Liberty Videocon Health Plans offers Health Connect Policy for Individuals and Group. The Policyholder can select any Liberty Videocon Health Insurance Plans according to their requirement. The Insured have to pay the Premium in time to avail the benefits. Therefore, the Company will pay the Hospitalisation and Medical Expenses of the Insured on the occurrence of any Health issue.
Furthermore, details about Liberty Videocon Health Insurance Policy Features, Inclusions, Exclusions, Premium Calculator, Buying and Claim procedure informed below. Our Site provides complete details regarding each plan offered by the Liberty Videocon Health Insurance Plans.
Liberty Health Insurance Plans
Liberty Videocon Health Insurance Policy is not only flexible and affordable, but it also provides cashless care at all hospitals that are part of our wide network. The Liberty Videocon General Insurance Company offers two Health plans caring for the health of policyholder and their family. So one can select any of them based on your needs.
- Janta Personal Accident Insurance Policy.
- Individual Personal Accident Insurance Policy.
Liberty Janta Personal Accident Health Insurance Policy
Janta Personal Accident Policy covers the Insured who have incurred with the accident. It is a rural product which gives insurance to the person for Accidental Death and also provides other accidental benefits. In addition, The Liberty Videocon Janata Personal Accident Policy provides the Accidental Benefits to the Rural People. The Policy Tenure is one year and can renew throughout the life period.
Liberty Videocon Individual Personal Accident Insurance Policy
Individual Personal Accident policy covers you and your family against minor accident in which occurs anytime during the day to day activities. It also covers you against major accidents or physical loss arising due to death or disablement or accidental bodily injury. This policy pays compensation for any accidental death or disablement happening anywhere in the world. The Individual Personal Accident Insurance Policy covers self, spouse and two dependent children between age three months and 25 years.
Liberty Videocon Health Insurance Features and Benefits
Liberty Videocon Health Insurance Policy offers some of the primary health insurance benefits are as follows:
- This Insurance covers not only the hospitalisation in the event of an accident or sickness but extends to cover pre and post-hospitalization expenses, day-care procedures, domiciliary treatment, etc.
- Option to choose the policy term of 1 or 2 years for your medical insurance.
- This policy offers restoration of Sum Insured In Case of exhaustion of Sum Insured, to take care of all your future claims.
- There is no exit age restriction on renewal.
- The policy rewards you with a free health check- up after two years of continuous policy renewal with irrespective of the claims made under the Policy.
- After purchasing the Policy, in case you find it unsuitable to your needs, you can, within a free look period of 15 days, request for cancellation of the Policy.
- For every claim-free year, your Sum Insured automatically increases by 10% for the Basic Sum Insured. This benefit can go up to a maximum of 100% of the Basic Sum Insured.
- Avail Cashless facility from network hospitals offered by Liberty Videocon Company.
- Individual Personal Accident Insurance Policy provides benefits to you and your family such as Accidental Death, Permanent Total/ Partial Disability, Temporary Total Disability due to an Accident.
Eligibility for Janta Personal Accident Insurance Policy
|Entry of Age||Minimum||Maximum|
|Five years to 18 years for children||75 years|
|Exit Age||Renewable for life|
|Policy Tenure||One Year|
|Free Look Period||A free look period of 15 days is available|
Liberty Videocon Health Insurance Policy Coverages
The health insurance policy benefits of Liberty Videocon General Insurance Company provides cover for the following occurrences:
- Hospitalisation Expenses for in-patient treatment and Daycare treatment.
- The health insurance covers medical costs incurred for a specified number of days immediately before and after the discharge from the Hospital. It includes expenses towards consultations, tests & medications, follow-up visits, confirmatory tests, medications & physiotherapy.
- This policy covers medical expenses incurred for treatment taken at home in India as the patient cannot be moved to a hospital, or the patient receives treatment at home on account of non-availability of room in a hospital.
- The health insurance pays a Hospital Daily Cash allowance on a per day basis to take care of non-medical expenses incurred for completed period of 24 hours of hospitalisation of the Insured Person for a maximum up to 10th day of continuous hospitalisation. (first 48 hours of hospitalised applicable as per the mediclaim policy).
- Covers expenses incurred towards the transfer of insured Patient to nearest Hospital having adequate emergency facilities. These charges will be paid up to a specific amount mentioned in the Schedule of Benefits.
- The Liberty health insurance covers expenses incurred towards an organ donor’s screening & treatment for the harvesting of the organ donated.
- Second opinion consultancy, once during the medical insurance policy period, to augment confidence in the proposed medical diagnosis and treatment plan.
- Recovery Benefit in the health insurance pays a lump-sum amount in case of hospitalisation for more than ten days.
- Nursing Allowance is paid either at the hospital or the insured person’s residence.
Janta Personal Accident insurance policy coverage
The Liberty Videocon Health Insurance Policy provides coverage for any bodily Injury resulting solely and directly from Accident caused by external, violent and visible means; then the company shall pay the sum outlined in the Schedule of Benefit.
|Accidental Benefits||Percentage of CSI|
|Loss of Limbs (both hands or both feet or one hand and one foot)||100%|
|Loss of a Limb and an eye||100%|
|Complete and irrecoverable loss of sight of both eye||100%|
|Loss of sight of one eye, or total and irrecoverable loss of use of a hand or a foot||50%|
|Permanent Total Disability due to Accident||100%|
Liberty Videocon General Insurance Health Plan Exclusions
- The Waiting period exclusions for 30 days, First Year, Two Year, and Pre- Existing Condition.
- Any condition either directly or indirectly caused by associated with any sexually transmitted disease, including Genital Warts, Syphilis, Gonorrhea, Genital Herpes, Chlamydia, Pubic Lice & Trichomoniasis, Acquired Immuno Deficiency Syndrome (AIDS) Variations Deficiency Syndrome or any Syndrome or condition of a similar kind will not be covered under this health insurance plan.
- If Any Treatment arising from or traceable to pregnancy (including voluntary termination), miscarriage, childbirth, maternity (including caesarian section), abortion. This exclusion will not apply to ectopic pregnancy.
- The Treatment arising traceable to any fertility, infertility, subfertility or sterilisation, birth control procedures, hormone replacement therapy. Services including complications due to supplying services or Assisted Reproductive Technology not covered under the health insurance policy.
- Any dental treatment or surgery unless requiring hospitalisation are not covered under the health insurance policy.
- Treatment from anyone who is not a Medical Practitioner. From a Medical Practitioner who is practising outside in which licensed or any self-medication not covered under the health insurance policy.
- Charges incurred with the cost of spectacles and contact lenses, hearing aids, laser surgery, dentures, artificial teeth. External appliances and devices whether for diagnosis or treatment are not covered under the health insurance policy.
Liberty Health Insurance Policy Online Renewal Procedure
Liberty Videocon General Insurance is possible in two ways. One is through offline and other through online. For offline renewal, insured must visit the Liberty Videocon Insurance Branch Office within the grace period. Insured should fill the corresponding forms regarding the policy and make a payment. Liberty Videocon General Insurance Renewal process through Offline is a time taking process. To make renewal process easy for the policyholder, the company offers Liberty Videocon Online renewal option. The Liberty Videocon General Insurance renewal through online is an easy process compared to the offline process. Liberty Videocon Insurance Online renewal option assist you to renew your Liberty Videocon General Insurance Policy through online.
Liberty Videocon Insurance Health Connect Policy Premium Calculator
Premium Calculator is to calculate Premium amount for yearly, half-yearly, quarterly and monthly of any policy. The Health Insurance Plans Premium Calculator is available on the official website. Before going to buy the Liberty Videocon Health Insurance policy you have to calculate the premiums. Liberty Videocon Insurance Premium Calculator useful for the insured to calculate their Maturity amount and premium amount. Therefore, the data required for calculating premium amount of Liberty Videocon Health Insurance Policy using following details:
- Enter Name.
- Date of Birth.
- Mobile number and email.
- Policy term.
- Sum Assured.
Liberty Videocon Health Insurance Plan Buying Process
The Liberty Videocon Health Insurance Policy buying procedure is available here. The Buying process of Liberty Videocon policy is very simple if you have all the information regarding documents with you. Before buying the Health Insurance, read the Plan details carefully. The Appointee can purchase the Liberty Health Connect Policy in two ways either offline or online.
Liberty Videocon Health Insurance Claim Procedure
Liberty Videocon General Insurance offers quick and problem-free claims process. Here we were providing Liberty Videocon General Insurance claim process for Health Insurance policy. Steps for Liberty Videocon Health Insurance Claim Process
- The Claim is to be Registered by the Policy Holder either by Calling Liberty Videocon office Toll Free Number, Mail and Send a written claim intimation letter to Liberty Videocon branch office by post or courier.
- TPA representatives will then soon get in touch with Insured and guide you through the claims process.
- Make an intimation at least 48 hours before planned hospitalisation or in the case of emergency situation Intimate within 24 hours of post hospitalisation.
Liberty Health Insurance Policy FAQ’s
Is there any eligibility criterion for purchasing this policy?
Liberty Health Connect policy is open to individuals from the age of 91 days to 65 years.
What is the benefit of taking 2-year policy?
The policyholder gets a discount of 7.5% on the base premium, in case you select the policy tenure of 2 years
Do I have to undergo any medical examination?
A medical examination may be required in some cases, based on the sum insured and the age of the person.
I travel abroad frequently. Will this policy gives the extension of coverage overseas?
Extension of the Policy Tenure is one of the benefits of Liberty Health Connect policy. In case travelling out of the country with a trip policy bought from Liberty Company, then Health Connect policy tenure extended to some days at no additional cost.
What is a Family Floater plan and what are its advantages?
Family Floater policy is a policy wherein the entire family of the insured comprising of insured and dependents are covered under a single sum insured. The sum insured for a family floater is our maximum liability for any and all claims made by all the insured members.
Therefore, the advantages of such a policy are:
- All members of the family (as defined above) covered under one policy.
- Single Premium is payable for the entire family.
- The amount of Sum Insured floats over the whole family i.e. the limit used by any member of the family and for any number of times.
- One does not have to keep track of renewals for different members.