Health Connect Supra

Benefits

• Multiple SI and Deductible options to choose from.
• No pre-policy health check-up required for proposals in case you don't have an adverse health history.
• Single policy for individual and family members with additional discounts if 2 or more family members are covered under the same policy.
• Get attractive discounts on Multi Tenure Policy of 2 or 3 years.
• For policies with tenure of 3-years, get coverage for pre-existing diseases from the first renewal.

Additional benefits for:

• Get preventive health measures like first medical opinion, electronic medical records management, live health talk, and health newsletter.
• Avail Cashless claims from over 3600 network hospitals.
• Tax benefits on premium paid under section 80D of the Income Tax Act 1961.
• No Claim Benefit increases by up to 10% for the Sum Insured, for every claim free year of the policy tenure. You can also avail up to a 100% of the Sum Insured if the policy is renewed timely, without break.*
• Optional additions including reload of the Sum Insured, world-wide coverage*, AYUSH Treatment, Wellness & Assistance Program.

*Applicable only for Super Top-up Plan

Portability & Renewal

Portability

• If you wish to switch from your current health Insurance policy to Liberty General Insurance on renewal, we can certainly do that with proper evaluation, keeping your convenience in mind. Please note that our evaluation process adheres to the Portability Guidelines issued by IRDAI.
• If You are insured continuously and without interruption under any other Indian General Insurance and/ or Standalone Health Insurer's individual health insurance policy and you want to shift to us on renewal, the Company will consider such requests on proper evaluation allowed in terms of the Portability Guidelines issued by IRDAI.
• Also, if you are insured continuously and without interruption under our Health Insurance Policy, and you want to shift to this policy on individual or family cover, the Company will consider such requests on proper evaluation, as per Company's underwriting guidelines and terms of the Portability Guidelines issued by IRDAI.

Renewal

• Liberty General Health Insurance comes with lifelong policy renewal without any exit age, providing a grace period of 30 days for renewal under the policy.
• A change in plan, enhancement in the sum insured or alterations in deductible can happen at the time of renewal subject to prior approval by the Company.
• Get an automatic 10% increase in the Sum Insured for every claim free year maximum upto 100% of Sum insured if the policy is renewed on time, consistently without any breaks.*

*Applicable only for Super Top-up Plan

Waiting Periods

There are three types of waiting periods, and specific rules apply to each one of them.

• 30 days waiting period shall apply to all diseases contracted except for bodily injury that requires hospitalization, having occurred due to an accident.
• A waiting period of 2 years or 24 months will apply to the following medical or surgical treatments, including medical expenses along with their complications: Cataract, Hernia, Benign Prostatic Hypertrophy, Hydrocele, piles, Fistula in anus, Sinusitis and related disorders, Gastric and Duodenal ulcers, Fissure, gout and rheumatism, Internal tumors, nodules, cysts, polyps including breast lumps, Hysterectomy for menorrhagia or prolapse of uterus, polycystic ovarian diseases, Skin tumors unless malignant, ENT disorders and surgeries, Dilatation and curettage & Congenital Internal Diseases. Calculus diseases of Gall bladder, Joint Replacement due to degenerative condition, age related Osteoarthritis and Osteoporosis, Surgery for prolapsed inter vertebral disc unless arising from accident, Spondylosis or Spondylitis, varicose ulcers and surgery of varicose veins.
• In case of pre-existing condition and/or any complications arising from them, will not be covered until 36 months of continuous coverage have elapsed from the date of the Health Insurance policy being issued.