Liberty Health Connect Supra Health Insurance
About Liberty Health Connect Supra Health Insurance
Health Connect Supra by Liberty General Insurance is more than just a health insurance plan. It is a valuable extension to your basic health insurance policy that enhances your current coverage. This top-up plan is specifically designed to complement your existing individual or family health insurance, providing additional benefits at a lower cost. This plan provides coverage on an Individual and Family Floater basis.
Continue reading to discover further details about the Liberty Health Connect Supra Plan, including its advantages, eligibility criteria, inclusions, exclusions, and more.
Liberty Health Connect Supra Top-Up Insurance At a Glance
Coverage
Individual and Family Floater
Key Features
Lifetime Renewability, Top-up Coverage, etc.
Policy Tenure
1, 2 and 3 Years
Inclusion
In-patient Treatment, Day Care Procedures, etc.
Exclusion
Waiting Period - 30 Days, 2 years and 3 Years
Renewability
Key Features of Health Connect Supra Top-Up
The key features of the Health Connect Supra Top-Up plan are as follows:
- Lifetime Renewability: Health Connect Supra Top-Up offers the peace of mind of lifetime renewability, ensuring ongoing coverage for your health needs throughout your life.
- Top-Up Coverage: Enhance your existing health insurance with this top-up coverage, providing an extra layer of financial protection for unforeseen medical expenses.
- Varied Options for Sum Insured and Deductibles: Choose from a range of Sum Insured and Deductible options based on your preferences and needs.
- No Pre-Policy Health Check-Up Required: If you have a clean health history, you won't need a pre-policy health check-up when applying.
- Single Policy for Individuals and Families: Enjoy the convenience of a single policy that covers both individual and family members. Note that, additional discounts are available when two or more family members are included under the same policy.
Riders Available with Health Connect Supra Top-Up Policy
Here’s the list of riders or add-on covers available with the Liberty Health Connect Supra Top-Up policy:
- AYUSH Treatment: The policy covers medical treatments in Ayurveda, Unani, Siddha, and Homeopathy in government hospitals or institutes recognised by the government. It's important to note that there are no sub-limits on these treatments.
- Worldwide Coverage : This rider ensures that the policy covers you globally in the event of emergency medical hospitalization, providing peace of mind when you're away from home.
- Wellness & Assistance Program: When you're more than 150 kilometers away from your home, within Indian territory, this program provides emergency services, including Medical Consultation, Evaluation and Referral, Medical Monitoring & Case Management, Compassionate Visit, and Emergency Medical Evacuation.
- Reload of Sum Insured: The policy allows the reloading of the sum insured once in a policy year, equivalent to the original sum insured. The sum gets restored when the original sum insured is fully exhausted.
The two different variants of this Top-Up plan are tabulated below:
Features
Top-Up II
Top-Up III
Super Top-Up I
Super Top-Up II
Rs. 10, 15, 20 lakhs
Rs. 3, 5, 7, 10, 15 and 20 lakhs
Rs. 10, 15, 20, 30, 50 and 100 lakhs
Rs. 2, 3, 4, 5 lakhs
Rs. 5, 7.5 and 10 lakhs
Rs. 2, 3, 4, 5, 7.5 and 10 lakhs
Rs. 10, 15, 20, 30 and 40 lakhs
Day care Procedures
Auto increase in Sum Insured by 10%, up to a maximum of 100%
Auto increase in Sum Insured by 10%, up to a maximum of 100%
Eligibility Criteria of Health Connect Supra Top-Up Insurance Plan
Find below the eligibility criteria for the Liberty Health Connect Supra Top-Up Plan:
Parametres
Eligibility Criteria
Minimum entry age
Children: 91 Days
NOTE: Children under the age of 18 are eligible for insurance coverage as long as at least one parent is covered in the policy.
Benefits of Health Connect Supra Top-Up Plan
The following are the benefits of the Liberty Health Connect Supra Top-Up plan:
- Comprehensive Coverage: Health Connect Supra TopUp offers wide-ranging coverage with a sum insured of up to Rs. 1 crore. This provides policyholders with the financial support needed for various medical expenses. Moreover, the plan also allows you to choose from multiple sum insured and deductible options.
- No Pre-Policy Health Check-Up: With this top-up plan, you can experience a hassle-free application process as there is no requirement for a pre-policy health check-up.
- Reload of Sum Insured: The plan provides a unique benefit called Reload, allowing you to restore your existing sum insured. This feature ensures that even if your current sum insured is exhausted due to a claim, you can still have the same sum insured available for any subsequent hospitalization within the same policy year.
- No Co-Pay, No Room Rent Capping, No Sub-Limit: Health Connect Supra TopUp eliminates financial stress by offering a policy with no copay, no room rent capping, and no sub-limits. This means you don't have to share hospitalization medical expenses.
- Worldwide Cover : With Health Connect Supra Top-Up, you can enjoy peace of mind not only in your home country but also during international travel. Yes, the plan provides worldwide coverage from day 1, excluding pre-existing diseases, which are covered after a waiting period of 3 years.
- Loyalty Perk: As a loyalty perk, the plan automatically increases the sum insured by 10% for every claim-free, up to 100% over time, policy year. This encourages policyholders to maintain a healthy lifestyle and renew their policies without any breaks.
- Cashless Claims Benefit: Health Connect Supra TopUp offers the convenience of cashless claims at a vast network of more than 4200 network hospitals. This allows policyholders to focus on their health without the burden of upfront payments and subsequent reimbursement procedures.
Inclusions of Health Connect Supra Top-Up Plan
Stated below are the inclusions of the Health Connect Supra Top-Up plan:
- In-Patient Treatment: This covers expenses for being in the hospital for at least 24 hours due to illness or an accident. It takes care of costs like room rent, boarding, nursing, ICU, medical practitioner fees, medicines, and related expenses.
- Pre and Post Hospitalisation: The insurance covers medical expenses for the days before and after hospitalization. This includes costs for consultations, tests, and medications during these periods.
- Day Care Procedures: The policy covers medical expenses for 400+ day care procedures. These are procedures that don't require a full 24-hour hospital stay.
- Loyalty Perk: As mentioned earlier, for every claim-free policy year, the policy automatically increases the sum insured by 10%, up to a maximum of 100% of the sum insured, if the policy is renewed without any breaks.
- Preventive Care: Under Preventive Care , enjoy additional benefits at no extra cost, including First Medical Opinion, Live Health Talk, Electronic Medical Record Management, and Fortnightly newsletters.
Exclusions of Health Connect Supra Top-Up Plan
The following are the exclusions of this Liberty Health insurance plan:
- 30-day waiting Period Exclusion: Any diseases or illnesses, except for accidental physical harm requiring hospitalization, will not be covered for the first 30 days from the beginning of the policy.
- Two-Year Waiting Period Exclusion: There is a two-year waiting period before the plan covers certain conditions, such as Cataract, Piles, Sinusitis Hydrocele, Hernia, Benign Prostatic Hypertrophy, Fissure, Gastric, and Duodenal ulcers, etc.
- Pre-Existing Condition Exclusion: Coverage for pre-existing conditions or any complications resulting from them will not be provided until 3 years have passed since the inception of your policy.
Documents Required for Health Connect Supra Top-Up Plan
To buy the Health Connect Supra Top-Up Insurance, you must provide the following:
- A correctly filled application form
- Aadhar card
- Passport
- Voter ID
- Driving License
- Birth Certificate
- Passport-sized photos
- Health check-up reports may be required in some cases
- If requested, submit any additional documents asked by the insurance company
How to Buy Health Connect Supra Top-Up Insurance?
To buy the Health Connect Supra Top-Up Plan, follow these steps:
- Step 1: Visit the InsuranceDekho website.
- Step 2: Click on "Health Insurance" under the "Insurance" tab.
- Step 3: Choose "Liberty Health Insurance" from the list of health insurance companies.
- Step 4: Select the "Health Connect Supra Top-Up" plan.
- Step 5: It's important to read the policy document carefully.
- Step 6: Upload the necessary documents for verification.
- Step 7: Complete the online payment for the medical insurance premium.
- Step 8: You will receive the Health Connect Supra Top-Up policy document successfully via email.
Claim Process for Health Connect Supra Top-Up Insurance
Health Connect Supra Top-Up policy can be claimed through two methods:
Cashless Claim
- Visit a hospital affiliated with Liberty Health Insurance.
- Provide your Health Connect Supra Top-Up details and essential information.
- Complete and submit the required documents.
- The insurance company will handle the payment directly with the hospital on your behalf.
Reimbursement Claim
- Choose a hospital within Liberty Health Insurance's network.
- Settle your medical bills at the selected hospital.
- Initiate a reimbursement claim on the insurance company's website.
- Fill in and submit the Health Connect Supra Top-Up claim form with the necessary details.
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Key Inclusions and Exclusions of the Plan
What's Included
- In-patient hospitalisation: minimum of 24-hour hospitalisation is required
- Medical expenses incurred before hospitalisation for a certain time period
- Medical expenses incurred after the covered hospitalisation
- Optional medical expenses for AYUSH (Ayurveda, Unani, Siddha and Homeopathy)
- Emergency care medical expenses incurred outside India
- 405 daycare procedures undertaken in a hospital or day care centre
What's Not Included
- Expenses related to any sexually transmitted disease
- Cosmetic surgery unless necessary due to an injury or burn
- Expenses incurred in diseases related to AIDS/HIV or related diseases
- Mental disorders, congenital diseases, weight control programme and cosmetic surgery
- All preventive care, vaccination, immunisation, except if it’s medically necessary
- Pregnancy-related treatment, except for ectopic pregnancy
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Health Connect Supra User Reviews
Rating based on
117 User reviews
Write your review
What users are saying
Quick Resolution of Queries
Anytime I've had questions or concerns about the Liberty- Health Connect Supra that I got from the online portal of InsuranceDekho, its customer support team has been quick to respond and resolve my issues. Read More
By Jyoti Kakkar
On: Sep 13, 2023
Good way to increase coverage
I came to know about this policy around a month back. While talking to insurancedekho experts, i knew this was the one for me to increase my health cover. I bought this policy at a low premium cost along with add-on covers like AYUSH treatment, reload of sum insured, and worldwide coverage at enhance my benefits even more. Read More
By Suresh Gupta
On: Feb 28, 2020
Got additional coverage with t.
I chose this plan on recommendation of my friend. Must admit that my decision was right. Because of this policy, i have received additional benefits on my existing one. Now, my insurance cover is large without paying a high cost. I am glad that this cover comes with optional benefit of covering AYUSH benefit. Read More
By Mohd. Umar Akram
On: Feb 20, 2020
Easy, good purchase
Health connect supra has been a simple buy for me. The process was easy and i also got a lot of help from InsuranceDekho team. Benefits that plan comes with are in-patient hospitalisation, pre & post hospitalisation, optional AYUSH cover, day care, emergency care expenses out of India, and many more. This plan is definitely a good purchase. Read More
By Amit Kumar Verma
On: Feb 18, 2020
Both top up & super top up
I have recently bought this policy. Thanks to insurancedekho for their support in this policy’s purchase. Although this policy provides top up and super top plans both, i have chosen top up version because it fits my medical needs perfectly. I will give this policy by liberty 8 out of 10. Read More
By Poonam Yadav
On: Feb 13, 2020
Add-ons to Enhance Benefits
AYUSH Treatment
Under this option, you can get cover for medical expenses incurred in Ayurveda, Siddha, Unani and Homeopathy in government-owned hospitals or institutes.
Worldwide Coverage
Worldwide coverage means you can get coverage for emergency medical expenses incurred outside India. This option is, however, available only for Super Top-up plan.
Wellness and Assistance Program
The Wellness and Assistance Program is available on an optional basis. It is serviced either by the insurer or its service provider.
Reload of Sum Insured
When the sum insured gets exhausted, the Sum Insured gets reloaded under this add-on benefit.
Liberty Health Connect Supra Expert Review
Expert Review
Health Connect Supra by Liberty General Insurance serves as additional benefits to an existing individual or family health insurance policy. It provides additional financial cover above the basic sum insured of your existing plan. It has two variants, Top-up plan and Super Top-up plan. The objective of these two variants is to enable insured to customise the level of protection at lower premiums. The Top-up plan increases the sum insured up to Rs. 20 Lakh, and Super Top-up plan increases SI up to Rs. 1 Crore at lower costs. In general, when you buy a separate health insurance policy to increase the sum insured up to Rs. 1 Crore, the premium becomes unbearable. But, by choosing Health Connect Supra, you can increase the sum insured of the existing plan up to Rs. 1 Crore at lower costs. With these features, Liberty General helps you avail more coverage benefits than the sum insured benefits specified in your regular health insurance.
Major Attractions
- 24/7 help to evaluate, resolve and immediate referrals to qualified doctors and hospitals
- The Top-up and Super Top-up is applicable with a health insurance policy of any other insurer
- Flexibility to choose sum insured and deductible
- Auto increase in SI by 10% for every claim-free year up to a maximum of 100%
- 10% discount if two or more family members are covered under the same policy
- A flat discount of 15% proposed for each child
- 40% of family floater discount for the immediate family, like spouse, three kids
- 7.5% and 10% premium discount if a 2-year and 3-year policy tenure is selected
What’s More?
- Guaranteed lifelong renewability of the policy
- Tax benefits under Section 80D of the Income Tax
- A free look period of 15 days to cancel the policy if dissatisfied
- No health check-up required if you’re not suffering from adverse medical history
- Optional covers to customise the plan
- Dedicated third party support for claim settlement
Conclusion
The bottom line is that Health Connect Supra is an ideal option to avail increased coverage benefits at reduced premiums. The features of First Medical Opinion, Electronic Medical Record Management, Live Health Talk and fortnightly newsletters at no additional costs let you have a unique experience. If you want to buy Health Connect Supra, buy it online at InsuranceDekho wherein you can compare different policies, get expert advice, and enjoy proper assistance at the time of claim settlement.
Liberty Health Connect Supra Brochure
- 5.91 MB
- PDF Document
- Jul 11, 2019
Claim Process at Liberty Health Insurance
- Network Hospital
- Non-Network Hospital
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.
FAQs on Health Connect Supra Health Insurance Plan
Can I buy the Top-up or Super Top-up plan from LGI if I have bought my regular health insurance policy from another company?
Yes, you can buy the Top-up or Super Top-up plan from LGI if you have bought your regular health insurance policy from another company.
What are the key benefits of family floater Super Top Up Policy of LGI?
The family floater Super Top Up Policy gives you the opportunity to cover your entire family members at an affordable price under one policy. It gives you options to choose the Sum Insured and Deductible. Also, you can earn tax benefits under section 80D of the Income Tax Act.
Can I buy Health Connect Supra online?
Yes, you can buy Health Connect Supra online. For this, visit the official website of Liberty General Insurance. Or call toll-free number 1800-120-5698 of InsuranceDekho and our experts will assist you in buying the plan at your convenience.
What are the coverage benefits in the Health Connect Supra policy?
Health Connect Supra comes with several benefits such as cover for in-patient hospitalisation, pre-hospitalisation, post-hospitalisation, daycare procedures, and much more.
Are there any optional benefits under the LGI’s Health Connect Supra?
Yes, the Health Connect Supra of LGI comes with some optional benefits such as Reload of Sum Insured, AYUSH Treatment, Worldwide Coverage and Wellness & Assistance Program.
Is the Health Connect Supra policy available on an Individual basis?
Yes, the Health Connect Supra policy is available on an Individual basis. You can also buy it on the family floater basis.
What are the sum insured options available under the Health Connect Supra?
- Top-up Plan: Rs. 3 Lakh, Rs. 5 Lakh, Rs. 7 Lakh, Rs. 10 Lakh, Rs. 15 Lakh and Rs. 20 Lakh
- Super Top-up Plan: Rs. 3 Lakh, Rs. 5 Lakh, Rs. 7 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, Rs. 30 Lakh, Rs. 50 Lakh and Rs. 1 Crore.
What is ‘Loyalty Perk’ in the Health Connect Supra policy of Liberty General Insurance?
Loyalty Perk is the plan’s feature. It means the Sum Insured will automatically increase by 10% for every claim free year. However, the maximum increment will be up to 100%.
What is the Wellness & Assistance Program provided by LGI under the Health Connect Supra policy?
- Medical Monitoring & Case Management
- Medical Consultation and Evaluation
- Emergency Medical Evacuation
Is health check-up required?
No, there is no requirement of health check-up for proposals if you are not suffering from adverse health history.
View More Questions
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