HealthPrime Connect

We have made it easy for you to buy our comprehensive health insurance plans. You can do it from the comfort of your home in just a few clicks by visiting the following link:
https://www.libertyinsurance.in/products/health-insurance/health-insurance-quote

If you are over 18 years and under 65, you are eligible to buy the policy.

Children between 91 days and 25 years can be covered in you’re the comprehensive health insurance plan as dependents​

You can include your family either through an individual plan (where there is a fixed Sum Insured for each member) or a floater plan (where one Sum Insured covers the entire family).
In an individual plan, you can include yourself and your spouse, children, parents, parents-in-law, grandchildren and grandparents, siblings, son-in-law and daughter-in-law. You can get a 10% discount on the premium if you add more than two family members.
In a floater, you can add yourself and your spouse, children, parents and parents-in-law with a maximum of two adults and three children

You can opt for cover ranging from Rs 10 lakh to Rs 1 crore based on your needs.

Sub-limits are used to cap specific expenses like room rent or doctor charges. For example, if the sub-limit for room rent is Rs 2000 per day, and you opt for a room with a rent of Rs 2200 per day, you will have to pay Rs 200 out of your pocket. HealthPrime Connect has no sub-limits, and your hospitalisation expenses are fully covered.

Copay is a fixed amount you must pay for any treatment with the rest being paid by the insurance company. HealthPrime Connect has no copay.

We will cover any day procedure which is approved by Indian Medical Association and is not experimental or excluded.

You are eligible for daily cash allowance after the first 48 hours or two days.

Yes, you can pay the premium in easy instalments towards our comprehensive health insurance plans. Here’s how it breaks down:

• Half-yearly (2 payments): 51% of the total annual premium. Example: If your yearly premium is Rs 20000, your half-yearly premium will come to Rs 10200
• Quarterly (4 payments): 26% of the total annual premium. Example: If your yearly premium is Rs 20000, your quarterly payment will come to Rs 5200
• Monthly (12 payments): 8.75% of the total annual premium. Example: If your yearly premium is Rs 20000, your monthly payment will come to Rs 1750.

Yes, HealthPrime Connect covers your medical expenses anywhere in India. You can also opt for worldwide coverage (up to 50% of Sum Insured) under the Optimum and Optimum Plus plans. Global hospitalisation expenses are covered under the following conditions:

• The policyholder is outside India for purposes other than seeking medical care.
• The cause for hospitalisation occurred when the holder was outside India.

Only inpatient hospitalisation expenses are covered, and the policyholder is reimbursed in INR.

Yes, this comprehensive medical insurance policy covers pre-existing conditions. However, pre-existing conditions or any complications arising from them are covered after a continuous period of 36-48 months of policy coverage has elapsed.

You can get covered for obesity treatment (from Rs 3 lakh to Rs 5 lakh) under Optimum and Optimum Plus plans if your BMI is higher than 40 with medical co-morbidities.

You can get an extension of tenure when you are out of the country for a continuous period of 15 days.

Earn and burn is a wellness benefit which helps you earn points by leading a healthier lifestyle. You can use these points towards rewards and discounts.

Claims are processed by an in-house team efficiently and quickly. You can read about our claim process here.

You can opt for add-on covers for critical illness and personal accident by paying an additional premium.

Yes, you can, but only at the time of renewal and if there has been no claim during the year.

You can opt for additional OPD cover from Rs 10,000 to Rs 30,000 under Optimum and Optimum Plus plans.

Maternal and infant care expenses are built-in with Optimum and Optimum Plus comprehensive health insurance plans.

Here are some of the benefits you can claim across all our plans:

• Renewal Health check up – Get a cashless checkup when you renew with us, irrespective of claims history
• Cumulative bonus – Increase your Sum Insured by 10% for every claim-free year, up to 100% of the Basic Sum Insured
• Stay Fit perks: Get a Rs 10,000 after every block of two claim-free years. You can spend this amount on non-medical expense

Yes. Inpatient expenses towards Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homoeopathy are covered in Optimum and Optimum Plus plans, provided the treatment is taken at a government-recognised or accredited centre.

Yes. You can claim expenses for correction of refractive errors of +/-5 and above as part of the comprehensive health insurance plan.

Any expense incurred to improve your current health condition is covered, including payments towards first medical opinion, fortnightly newsletters, live health talks, etc.

We understand that the last thing you need while filing a claim for medical expenses is red-tape and delays.
That’s why we have designed our processes to be smooth, efficient, quick and straightforward. We have a dedicated in-house team who will assist and process your claims as quickly as possible.
If you are getting treated at one of our network hospitals, your treatment will be cashless, allowing you to focus on the healthcare issue instead of worrying about payment.
When should you register your claim?: Make sure to register your claim at least 48 hours before a planned admission. If it’s an emergency, then let us know within 24 hours of being admitted.
How to file a claim?: Call us on 18002665844 (08:00 AM to 08:00 PM all days a week) or write to us at Health360@LibertyInsurance.In.
How can our team help with your claims?:
- Call up our 24-hour helpline for answers to any queries you may have about your claim
- Seek assistance for cashless service at network hospitals and reimbursement for treatment at non-network hospitals
- Get online help during hospitalisation and filing of claims

Visit https://www.libertyinsurance.in/products/claims/health-claims to check status of your claim.