Liberty General’s Critical Connect Insurance: Protect Yourself and Your Family from 60 of Life’s Unpleasant Surprises
“As a medical doctor, I can repair a man physically. But only an insurer can repair a patient’s finances.” — Dr. Marius Barnard, Inventor of Critical Illness Insurance
Life is full of surprises, and some can be rather unpleasant. Instead of worrying about the future, you and your family need to be prepared. Some of these unpleasant experiences include critical illnesses. Whether it’s a cardiac arrest, cancer or HIV, these diseases affect families physically, emotionally and financially. Also, conventional health insurance policies though useful to pay for your hospitalisation, will not give the much-needed cushion of financial stability.
If you or a family member is diagnosed with a life-threatening illness, you’ll need to rope in as much physical and emotional support from those around you. To take care of finances, you can rely on Liberty General Insurance. Yes, Liberty General’s Critical Connect Cover helps you pull through even the most severe diagnoses. If you haven’t thought of buying a critical illness insurance policy yet, there are about one crore reasons to get one. Here are a few compelling ones to be financially prepared.
You can apply for a Critical Connect insurance policy from Liberty General of anywhere between Rs. 1 lakh to 1 crore. Here the reasons why you need to act now:
Critical illness diagnosis and treatment is expensive. With a good critical illness plan, it becomes easier to manage exponential hospitalisation, consultation and medical costs.
A life-threatening illness entails countless visits to doctors’ clinics, hospital stay from time to even and much more. It also makes you incapable of being physically fit to work. In such situations, you may have to slow down or even take a career break. If you’re insured against critical illnesses, you can expect a full and fixed payout to cover for your loss of regular income.
Apart from your regular income, you may also be making loan payments. The fixed payout of a critical insurance policy offers coverage for other monthly outgoings like EMIs.
In Critical Illness Plan A, you can choose your required Critical Illness Bundles 9, 25, or 43 critical diseases.
Sum Insured: Rs. 1 lac to Rs. 1 crore
Essential Features:
Flexi Policy Term: Choose a policy term of 1, 2 and 3 years
Age Eligibility: You have to be between 18 and 65 years to apply for Liberty General’s Critical Connect. Your children are included only if you are a policyholder. Their ages must be between 5 and 25 years. If you’re applying for a policy for your parents, they need to be under 65 years (at the time of application) to become eligible.
Renewability: Lifelong
Relationships Covered: Self, spouse, children, parents, parents-in-law, siblings, sons-in-law, daughters-in-law, grandchildren, and grandparents
| Sr. No | Benefit | Parameter / Limits |
|---|---|---|
| 1 | Payment of the Benefit Amount for an Insured Condition | Lump sum as per one of the listed conditions if it occurs during the policy period as a first incidence and the insured survives the defined survival period of 30 days. |
| 2 | Continuation for Second and Third Events (for Plan A) - |
Under any of plan A cover, we will pay a lump-sum benefit for any listed condition corresponding to selected cover and provided it occurs as a first incidence, and the insured has survived the defined survival period.
After one claim is paid, we will continue to provide coverage, subject to the following:
1. The policy is renewed, and the second or third event has occurred during the policy period and is unrelated to previous conditions |
In this plan, you can opt for disease-specific bundles like Heart Protect, Cancer Protect, Renoliv Protect, Brain Protect and others.
Sum Insured: From Rs. 1 lac to Rs. 1 crore
Essential Features:
Flexi Policy Term: Choose a policy term of 1, 2 and 3 years
Age Eligibility:You have to be between 18 and 65 years to apply for Liberty General’s Critical Connect. Your children are included only if you are a policyholder. Their ages must be between 5 and 25 years. If you’re applying for a policy for your parents, they need to be under 65 years (at the time of application) to become eligible.
Renewability: Lifelong
Relationships Covered: Self, spouse, children, parents, parents-in-law, siblings, sons-in-law, daughters-in-law, grandchildren, and grandparents.
| Sr. No | Benefit | Parameter / Limits |
|---|---|---|
| 1 | Multiple Claims up to Sum Insured Amount (for Plan B) | A lump sum that is a percentage of the amount insured, based on whether a condition is a ‘major condition’ or ‘minor condition’ as per the listed condition. |
| 1.1 | Major Conditions | 100% |
| 1.2 | Minor Conditions | 25% |
| 1.3 | Another major condition after the minor condition | 75% |
| 1.4 | Under Heart and Cancer Protect cover (multiple claims allowed until the total payout is exhausted) | Up to 100% |
The Critical Connect policy from Liberty General Insurance covers 60 critical illnesses. This is the most extensive coverage you’ll find among all the leading health insurance providers. Here are some of the diseases for which you can get coverage. This list will help you decide the appropriate Critical Connect Plan you must choose:
| CI. No. | Plan | Plan Name | Critical Illnesses |
|---|---|---|---|
| 1 | A, B | 9, 25, 43, Cancer Protect | Cancer of Specified Severity |
| 2 | A | 9, 25, 43 | Major Organ / Bone Marrow Transplant |
| 3 | A, B | 9, 25, 43, RenoLiv Protect | Kidney failure requiring regular dialysis |
| 4 | A, B | 9, 25, 43, Heart Protect | Myocardial Infarction (First Heart Attack of Specified Severity) |
| 5 | A, B | 9, 25, 43, Brain Protect | Stroke Resulting in Permanent Symptoms |
| 6 | A, B | 25, 43, Brain Protect | Coma of Specified Severity |
| 7 | A, B | 9, 25, 43, Brain Protect | Permanent Paralysis of tdmbs |
| 8 | A, B | 9, 25, 43, Heart Protect | Open Chest CABG / Coronary Artery Bypass Surgery |
| 9 | A, B | 9, 25, 43, Brain Protect | Multiple Sclerosis with Persisting Symptoms |
| 10 | A | 25, 43 | Third-degree burns |
| 11 | A, B | 25, 43, Heart Protect | Open Heart Replacement or Repair of Heart Valves |
| 12 | A, B | 25, 43, Brain Protect | Benign Brain Tumor |
| 13 | A, B | 9, 25, 43, Heart Protect | Surgery to Aorta / Aorta Graft Surgery |
| 14 | A | 25, 43 | Parkinson’s Disease |
| 15 | A | 25, 43 | Alzheimer’s Disease |
| 16 | A, B | 25, 43, | RenoLiv Protect |
| 17 | A | 43 | Blindness |
| 18 | A | 25, 43 | Deafness |
| 19 | A, B | 25, 43, Heart Protect | Primary (Idiopathic) Pulmonary Hypertension |
| 20 | A, B | 25, 43, Brain Protect | Motor Neurone Disease with Permanent Symptoms |
| 21 | A | 25, 43 | Loss of Speech |
| 22 | A | 43 | Aplastic Anaemia |
| 23 | A | 43 | End-Stage Lung Failure |
| 24 | A, B | 43, Brain Protect | Bacterial Meningitis |
| 25 | A, B | 43, Heart Protect | Cardiomyopathy |
| 26 | A | 43 | Major Head Trauma |
| 27 | A | 43 | Fulminant viral hepatitis |
| 28 | A | 25, 43 | Muscular Dystrophy |
| 29 | A, B | 43, Brain Protect | Apallic Syndrome |
| 30 | A | 25, 43 | Systemic Lupus Erythematosis |
| 31 | A, B | 43, Brain Protect | Brain Surgery |
| 32 | A, B | 25, 43, RenoLiv | Protect Medullary Cystic Disease |
| 33 | A, B | 25, 43, Heart Protect | Pulmonary Artery Graft Surgery |
| 34 | A | 43 | Goodpasture’s Syndrome |
| 35 | A | 43 | Multiple System Atrophy |
| 36 | A | 43 | Progressive Scleroderma |
| 37 | A | 25 | Pneumonectomy |
| 38 | A, B | 43, Brain Protect | Progressive Supranuclear Palsy |
| 39 | A, B | 43, Brain Protect | Creutzfeldt Jakob Disease (CJD) |
| 40 | A, B | 43, Brain Protect | Encephalitis |
| 41 | A | 43 | Loss of Limbs |
| 42 | B | Heart Protect | Angioplasty |
| 43 | A | 43 | Pneumonectomy |
| 44 | A, B | 43, RenoLiv Protect | Pulmonary-Renal Syndrome |
| 45 | A | 43 | Severe Rheumatoid Arthritis |
| 46 | B | Heart Protect | Heart Transplant |
| 47 | B | Heart Protect | Balloon Valvotomy or Valvuloplasty |
| 48 | B | Heart Protect | Carotid Artery Surgery |
| 49 | B | Heart Protect | Implantable Cardioverter Defibrillator |
| 50 | B | Heart Protect | Implantation of Pacemaker of Heart |
| 51 | B | Heart Protect | Infective Endocarditis |
| 52 | B | Heart Protect | Minimally Invasive Surgery of Aorta |
| 53 | B | Heart Protect | Pericardiectomy |
| 54 | B | Heart Protect | Pulmonary Thromboembolism |
| 55 | B | Heart Protect | Surgery for Cardiac Arrhythmia |
| 56 | B | Heart Protect | Surgery to Place Ventricular Assist Devices or Total Artificial Hearts |
| 57 | B | Cancer Protect | Early-Stage Cancers |
| 58 | B | Cancer Protect | Carcinoma in-Situ |
| 59 | B | RenoLiv Protect | Kidney Transplant |
| 60 | B | RenoLiv Protect | Liver Transplant |
You can get coverage from Rs. 1 lac to 1 crore, this comes in useful to cover all the expenses.
The policy covers major and minor conditions, including HIV/AIDS. It will be difficult for you to find a plan to match Liberty General’s list of diseases.
Policy will continue to pay for additional two subsequent unrelated critical illness in your lifetime.
In case of life-threatening condition’s Critical Connect gives the option to waive off the 30 days survival period following diagnosis.
Take care of your EMIs with our critical illness policy, if you’re diagnosed.
Pay your insurance premiums through convenient instalment options.
Enjoy benefits of Health 360 Wellness services and avail discounts on diagnostic tests, pharmacy, etc
You can get an income tax benefit under Section 80D for insurance premium payments.
Here’s what Liberty General’s Critical Connect policy covers:
Critical Illness Diagnosis, Consultations and Treatment:
Critical illness insurance policies are meant to support you through a critical illness. Right from diagnosis to recovery, you’re protected every step of the way. Though most insurers cover between 9-20 diseases, Liberty General’s Critical Connect covers over 60 critical illnesses, including minor and major conditions! This is good news for people who’re looking for competitive policies. Now whether you are diagnosed with a heart condition or HIV, you are covered.
Income and Other Expenses:
Once your claim is approved, you get a fixed lump sum payout which covers your treatment, hospitalisation and consultation. It also compensates you for any loss of income. With this type of plan, you can even manage your monthly outgoings like EMI payments or travelling expenses for treatment, tests, and consultations.
Subsequent Illnesses:
With Critical Connect, you can also get insurance for two subsequent life-threatening diseases. Unlike a traditional critical illness policy, this policy continues despite 100% payment of the sum insured.
Critical illness Related to HIV/AIDS:
This critical illness policy also covers critical illnesses related to HIV/AIDS.
Wellness and Diagnostics:
Critical Connect includes Health 360 Wellness services for your overall well-being. You can also avail discounts on diagnostic tests, pharmacies, and much more.
There is a wait time before which you can apply for a critical insurance claim. Here’s the list for both plans:
Second Medical Opinion/Tele-Consult:
Liberty General Insurance will arrange and pay for a second opinion through their network panel of doctors. This applies only if you are diagnosed or suffering from one of the insured conditions during the policy period and decide to avail of this benefit.
Health Checkups Every 2 Years:
An insured person/s above 18 years of age is/are entitled to a health checkup, on a cashless basis after a block of every two claim-free policy years.
Critical Illnesses Related to HIV/AIDS:
Any insured condition or critical illness resulting from HIV infection or AIDS is payable limited to 10% of the sum insured for a policy year, up to 100% of the sum insured in a lifetime.
Health 360°:
You can avail discounts on outpatient consultations, pharmaceuticals, and diagnostic tests through Liberty General’s empanelled, network providers. You can also get integrated healthcare services under membership programs. These services include health risk assessment, disease management, dedicated health professionals, and wellness rewards.
You can also opt for add-on covers for comprehensive coverage under Liberty General’s Critical Connect. Here they are:
A. Loan Protector cover:
1 claim during the policy period which is lower of;
• The Equated Monthly Installment (EMI) of a loan obtained through a Financial Institution/Bank, for 12 months; or
• The lump sum amount as specified in the Policy Schedule (3% of sum Insured amount) and
• After the commencement of the insured illness until the principle, the outstanding loan amount gets repaid, or policy expires, whichever is earlier.
B. Option to Waive 30-Day Survival Period:
You can opt for a waiver of the 30-day survival period to cover the first diagnosis of the critical illness, or if you’re undergoing a surgical procedure for the first time and that you have to survive before a claim becomes valid for 30 days. The cover will trigger immediately on being diagnosed with listed conditions.
You need to provide original documents to avail the Critical Connect policy from Liberty General. Here’s our list:
1. Completed and signed claim form
2. Medical certificate which confirms the diagnosis of critical illness
3. A certificate (from your doctor) confirming that the diagnosis isn’t a pre-existing illness and that it took place within the first 90 days
4. Discharge card/death summary from the hospital, (if applicable)
5. Test or investigation reports that confirm the diagnosis
6. First consultation letter and following prescriptions
7. Case papers for indoor treatment, (if applicable)
8. Documents for KYC compliance
9. Other specific documents listed under the respective critical illness
10. In the case critical illness arises due to an accident, FIR copy or medico-legal certificate will also be required wherever conducted.
11. Pharmacy bill along with prescriptions
12. Any other document as may be required by Liberty General Insurance
The policy will not cover these instances:
We request you to go through your policy thoroughly to know more about the exclusions. This will help avoid any complications or rejections during the claim filing process.
You need to provide original documents as per the ‘list of claim documents’ given above. Here’s is the process:
Liberty Health 360
The Capitol”, 2nd Floor, New D.P. Road,
Opposite to Platinum Super Store,
Vishal Nagar, Pimple Nilakh, Pune- 411027.
For Loan Protector: 5 working days after the date of receipt of the completed set of documents and investigation report (if applicable). This period is relevant only if there are no discrepancies in your documents.
For Critical illness: 7 working days after receiving the complete set of documents available and investigation report (if applicable). This turn around time is relevant only if there are no discrepancies in your documents.
Product UIN:-LIBHLIP21506V022021
A) Lifelong renewability is an assured facility to an individual where you can enjoy permanent protection of a health insurance cover. This is without any age restrictions. Lifelong renewability helps the insured to meet sudden medical expenses and extended health protection for a longer time.
A) Family floater insurance is a single health insurance policy that will cover all the members of your family (up to 2 adults and 3 children) with a single floating sum insured to all.
Critical illness insurance provides a fixed compensation (up to the sum insured) on the diagnosis of a life-threatening disease like cancer, and you can opt for it on an individual sum-insured basis.
Hospital cash insurance provides a fixed amount of compensation daily for the duration of treatment in a hospital or nursing home.
A) Unless covered under appropriate extension/option covers, Liberty General is obligated to approve claims, under this policy, for listed critical illnesses. However, the diagnosis needs to be in India.
A) Pre-existing illnesses/conditions will be covered immediately after 4 years of continuous coverage under the policy. Read the terms and conditions carefully about insurance cover for pre-existing conditions.
A) Lifelong renewability is an assured facility to an individual where you can enjoy permanent protection of a health insurance cover. This is without any age restrictions. Lifelong renewability helps the insured to meet sudden medical expenses and extended health protection for a longer time.
A) Family floater insurance is a single health insurance policy that will cover all the members of your family (up to 2 adults and 3 children) with a single floating sum insured to all.
Critical illness insurance provides a fixed compensation (up to the sum insured) on the diagnosis of a life-threatening disease like cancer, and you can opt for it on an individual sum-insured basis.
Hospital cash insurance provides a fixed amount of compensation daily for the duration of treatment in a hospital or nursing home.
A) Unless covered under appropriate extension/option covers, Liberty General is obligated to approve claims, under this policy, for listed critical illnesses. However, the diagnosis needs to be in India.
A) Pre-existing illnesses/conditions will be covered immediately after 4 years of continuous coverage under the policy. Read the terms and conditions carefully about insurance cover for pre-existing conditions.
A) You need to inform us of within 24hours in case of unexpected hospitalization and at least 48 hours before any planned hospitalization.
A) You can cancel the insurance policy by giving 15 days’ notice in writing to the company. If no claim is made during the policy then LGI shall from the date of receipt of notice to cancel the medical insurance policy and refund the premium for the balance policy as per the terms and condition laid in the health insurance policy document.
A) Yes, like most of the best medical insurance policies there is a 15 day free look period available. The period starts from the date of receipt of health insurance policy document and allows you to review the terms, conditions and exclusions of the policy.
A) Yes, the minimum entry age is 18 years for adult and 91 days for children. The maximum entry age is 65 years and children below 25 years of age can also be covered given that either of the parent is insured under the best medical insurance policy.
A) Yes, AYUSH treatments are covered under the health insurance provided you get the optional coverage by paying a nominal amount extra on your premium.
A) The health insurance has waiting period of 30 days from the commencement of the medical policy and will apply to all disease / illness contracted other than accidental bodily injury requiring hospitalization.
A) As the best health insurance policy in India, there is a clause that benefits the loyal customers. Health insurance provides for auto increase in sum insured by 10% on the sum insured for every claim free. This auto increase is capped at 100% of the sum insured and is only applicable if the health insurance policy is renewed with us without any break or within the grace period.
A) One of the best medical insurance policies, this health insurance policy also provides coverage for pre-existing conditions after 36 months of continuous coverage have elapsed, since inception of your first Policy with Us.
A) In our endeavor to offer the best health policy, we provide optional covers, to allow the customer to mould the policy as per his/her needs. As mentioned earlier, AYUSH treatments will be covered only if the optional cover is availed under the insurance policy. There are other optional covers too. You can read more about them in the policy wordings.