{"uin":"LIBHLGP22010V032122","name":"Liberty Group Health Policy","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122","insurer":{"slug":"liberty-general-insurance","name":"Liberty General Insurance Limited","url":"https://indiainsurances.com/insurer/liberty-general-insurance"},"line":"health","category":"group-health","category_name":"Group health","irdai_type":"Revision","kind":"product","status":"active","approved_on":"2020-09-29","withdrawn_on":null,"summary":"Liberty Group Health Policy is a group health indemnity policy for inpatient treatment in India with Hospitalisation Expenses and Group Super Top Up options. The newer wording states a 30-day initial waiting period, 36-month PED waiting period, 12-month specified disease waiting period and 60-month moratorium, while older wording differs on PED waiting and moratorium.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:05:25.85764+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The wording describes coverage options, not named plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording points to the Policy Schedule for the period and does not state a fixed policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For planned hospitalisation, the insurer or TPA must be informed immediately and at least 48 hours before admission. For emergency hospitalisation, intimation must be within 24 hours of admission; reimbursement notice should be given immediately on hospitalisation, injury or death.","display":"Planned hospitalisation: immediately and at least 48 hours before admission; emergency: within 24 hours of admission.","note":null,"quote":"Need to be informed immediately and in any event at least 48 hours prior to the Insured Person’s admission to the Hospital. ... Need to be informed within 24 hours of the Insured Person’s admission to the Hospital. ... Notice of claim with particulars relating to Policy numbers, name of the Insured Person in respect of whom claim is made, nature of Illness/Injury and name and address of the attending Medical Practitioner/ Hospital/ Nursing Home should be given to Us immediately on Hospitalization /Injury/ death","sources":[{"clause":"15(a)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-15-a"},{"clause":"15(e)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-15-e"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly filled and signed Claim Form","Photocopy of ID card / Photocopy of current year Policy","Original Detailed Discharge Summary / Day care summary from the hospital","Original consolidated hospital bill with bill no and break up of each Item","Original payment Receipt of the hospital bill with receipt number","First Consultation letter and subsequent Prescriptions","Original bills, original payment receipts and Reports for investigation","Surgeons certificate stating nature of Operation performed and Surgeons Bills and Receipts","Attending Doctors/ Consultants/ Spekcialist's/ Anesthetist Bill and receipt and certificate","Original medicine bills and receipts with corresponding Prescriptions","Original invoice/bills for Implants","Copy of the First Information Report from Police Department / Copy of the Medico-Legal Certificate for road traffic accident","Original Death Summary, Death certificate and Legal heir certificate for death cases","Original Medicine, Investigation and Consultation bills with prescriptions for pre and post-hospitalization expenses","Original Bill with Original Payment Receipt for Ambulance Benefit"],"display":"Claim form, ID card or policy copy, discharge/day care summary, hospital bills and receipts, prescriptions, investigation reports, surgeon/doctor bills and certificates, medicine bills, implant invoices, and condition-specific documents.","note":"Group Super Top Up uses the same documents as inpatient hospitalization treatment; the insurer may call for additional documents or information relevant to the claim.","quote":"❑ | Duly filled and signed Claim Form.\n❑ | Photocopy of ID card / Photocopy of current year Policy.\n❑ | Original Detailed Discharge Summary / Day care summary from the hospital.\n❑ | Original consolidated hospital bill with bill no and break up of each Item, duly signed by the\ninsured.\n❑ | Original payment Receipt of the hospital bill with receipt number.\n❑ | First Consultation letter and subsequent Prescriptions.\n❑ | Original bills, original payment receipts and Reports for investigation supported by the note\nfrom Attending Medical Practitioner / Surgeon demanding such test.\n❑ | Surgeons certificate stating nature of Operation performed and Surgeons Bills and Receipts\n❑ | Attending Doctors/ Consultants/ Spekcialist's/ Anesthetist Bill and receipt and certificate\nregarding same\n❑ | Original medicine bills and receipts with corresponding Prescriptions.\n❑ | Original invoice/bills for Implants (viz. Stent /PHS Mesh/ IOL etc.) with original payment\nreceipts. ... ❑ | Copy of the First Information Report from Police Department / Copy of the Medico-Legal\nCertificate. ... ❑ | Original Death Summary from the hospital.\n❑ | Copy of the Death certificate from treating doctor or the hospital authority.\n❑ | Copy of the Legal heir certificate, if the claim is for the death of the principle insured. ... ❑ | Original Medicine bills, original payment receipt with prescriptions.\n❑ | Original Investigations bills, original payment receipt with prescriptions and report.\n❑ | Original Consultation bills, original payment receipt with prescription. ... ❑ | Original Bill with Original Payment Receipt.","sources":[{"clause":null,"heading":"CHECK LIST OF ENCLOSURES FOR SUBMISSION OF CLAIM","page":23,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-check-list-of-enclosures-for-submission-of-claim"},{"clause":null,"heading":"Road Traffic Accident","page":24,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-road-traffic-accident"},{"clause":null,"heading":"For Death Cases","page":24,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-for-death-cases"},{"clause":null,"heading":"Pre and Post-Hospitalization expenses","page":24,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-pre-and-post-hospitalization-expenses"},{"clause":null,"heading":"Ambulance Benefit","page":24,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-ambulance-benefit"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject a claim within 30 days from receipt of the last necessary document. If investigation is warranted, it shall complete investigation within 30 days and settle or reject within 45 days from receipt of the last necessary document; delay attracts interest at 2% above the bank rate.","display":"30 days from receipt of last necessary document; 45 days if investigation is warranted, with interest at 2% above bank rate for delay.","note":null,"quote":"i) The Company shall settle or reject a claim, as the case may be, within 30 days from the date of receipt of last necessary document. ... iii) However, where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document. ... iv) In case of delay beyond stipulated 45 days, the Company shall be liable to pay interest to the policyholder at a rate 2% above the bank rate from the date of receipt of last necessary document to the date of payment of claim.","sources":[{"clause":"15(e)(i)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-15-e-i"},{"clause":"15(e)(iii)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-15-e-iii"},{"clause":"15(e)(iv)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-15-e-iv"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact Liberty General Insurance by toll-free number, care email, senior citizen email or written customer service address. If not satisfied, escalate to Manager@libertyinsurance.in, then Servicehead@libertyinsurance.in, and then the grievance officer at gro@libertyinsurance.in before the Insurance Ombudsman.","display":"Call 1800-266-5844 or email care@libertyinsurance.in; escalate to Manager@libertyinsurance.in, Servicehead@libertyinsurance.in and gro@libertyinsurance.in.","note":null,"quote":"Call us on Toll free number: 1800-266-5844 | If our response or resolution does not meet\n(8:00 AM to 8:00 PM, 7 days of the week) | your expectations, you can escalate at\nor Manager@libertyinsurance.in Email us at: care@libertyinsurance.in\nSenior Citizens Email us at: | Step 3\nseniorcitizen@libertyinsurance.in | If you are still not satisfied with the resolution\nprovided, you can further escalate at or Servicehead@libertyinsurance.in Write to us at: ... If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at gro@libertyinsurance.in","sources":[{"clause":"Part VI","heading":"Grievance Redressal Procedure","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-part-vi"},{"clause":null,"heading":"Customer Service","page":26,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-customer-service"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the Policy Schedule for the Sum Insured and does not list selectable cover amounts.","quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Does not apply to accident claims; not applicable if the insured person has continuous coverage for more than twelve months.","quote":"a) Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"2(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-2-a-2"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"conflicting","value":{"unit":"months","amount":36},"display":"36 months","note":"The newer wording says 36 months. The older wording says: \"48 months of continuous coverage\".","quote":"a) Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer. ... a. Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 48\nmonths of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":"1","heading":"Pre-Existing Diseases [Excl 01]","page":12,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-1-3"},{"clause":"1","heading":"Pre-Existing Diseases [Excl 01]","page":5,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11784#c-1-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":12},"display":"twelve (12) months","note":"If the condition also falls under the PED waiting period, the longer waiting period applies.","quote":"a) Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of twelve (12) months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident.","sources":[{"clause":"2(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-2-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Cataract","Benign Prostatic Hypertrophy","Hernia","Hydrocele","Fistula in anus","piles","Sinusitis and related disorders","Fissure","Gastric and Duodenal ulcers","gout and rheumatism","internal tumors, cysts, nodules, polyps including breast lumps (each of any kind unless malignant)","Hysterectomy/ myomectomy for menorrhagia or fibromyoma or prolapse of uterus","polycystic ovarian diseases","benign ear, nose and throat (ENT) disorders and surgeries","dilatation and curettage (D&C)","Congenital Internal Diseases","Joint Replacement due to Degenerative condition","Surgery for prolapsed inter vertebral disc unless arising from accident","Age related osteoarthritis and Osteoporosis","Surgery of varicose veins and varicose ulcers","Calculus diseases of Gall bladder and Urogenital system"],"display":"Cataract, BPH, hernia, hydrocele, fistula/piles/fissure, sinusitis, ulcers, gout/rheumatism, benign tumors/cysts/nodules/polyps, hysterectomy/myomectomy, PCOD, ENT disorders/surgeries, D&C, congenital internal diseases, degenerative joint replacement, prolapsed disc surgery, age-related osteoarthritis/osteoporosis, varicose veins/ulcers and calculus diseases.","note":null,"quote":"f) List of specific diseases/procedures/treatments is as under :\nCataract, Benign Prostatic Hypertrophy, Hernia, Hydrocele, Fistula in anus, piles, Sinusitis and related disorders, Fissure, Gastric and Duodenal ulcers, gout and rheumatism; internal tumors, cysts, nodules, polyps including breast lumps (each of any kind unless malignant); Hysterectomy/ myomectomy for menorrhagia or fibromyoma or prolapse of uterus, polycystic ovarian diseases; sinusitis and related disorders and skin tumors unless malignant, benign ear, nose and throat (ENT) disorders and surgeries (including but not limited to adenoidectomy, mastoidectomy, tonsillectomy and tympanoplasty); dilatation and curettage (UIN – LIBHLGP22010V032122) ___________________________________________________________________________________ (D&C); Congenital Internal Diseases, Joint Replacement due to Degenerative condition, Surgery for prolapsed inter vertebral disc unless arising from accident, Age related osteoarthritis and Osteoporosis, Surgery of varicose veins and varicose ulcers, Calculus diseases of Gall bladder and Urogenital system.","sources":[{"clause":"2(f)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-2-f"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"conflicting","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"The newer wording says sixty continuous months. The older wording says eight continuous years.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period. ... After completion of eight continuous years under the policy no look back to be applied. This period of eight years is called as moratorium period.","sources":[{"clause":"12","heading":"Moratorium Period","page":19,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-12-3"},{"clause":"11","heading":"Moratorium Period","page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11784#c-11-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"not-stated","value":null,"display":null,"note":"The wording says the policy is ordinarily renewable, but does not state lifelong renewal or renewal without a maximum age.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading shall apply on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience.","note":"This wording appears in the older policy wording; the newer wording states that renewal shall not be denied because of claims but does not repeat this sentence.","quote":"v. No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"9(ii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11784#c-9-ii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"conflicting","value":"In the newer wording, the policyholder may cancel by giving 7 days' written notice and the company refunds proportionate premium for the unexpired policy period if the term is up to one year and no claim is made. The older wording used 15 days' notice and a short-period refund table.","display":"7 days' written notice; proportionate refund for unexpired period if term is up to one year and no claim is made.","note":"The older wording says 15 days' written notice and a refund table of 75%, 50%, 25% and 0% depending on time in force.","quote":"i) The policyholder may cancel his/her policy at any time during the term, by giving 7 days’ notice in writing. The Company shall ... a) refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period. ... i) The policyholder may cancel this policy by giving 15 days' written notice to the Company and in such an event, the Company shall refund premium for the unexpired policy period as detailed below.","sources":[{"clause":"6(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-6-i"},{"clause":"6(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-6-a"},{"clause":"6(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11784#c-6-i"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The cover is valid only for treatments taken in India, and claims are payable in Indian Rupees only.","display":"India only; payable in Indian Rupees only.","note":null,"quote":"All claims shall be payable for treatment in India and in Indian Rupees only. ... The cover granted under this insurance is valid only for treatments taken in India.","sources":[{"clause":null,"heading":"5. Currency for Payment","page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-5-currency-for-payment"},{"clause":null,"heading":"10. Geographical Area","page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-10-geographical-area"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Applicable only for new individual health insurance policies, except policies with tenure of less than a year, and not on renewals.","quote":"The insured person shall be allowed free look period of 30 days from date of receipt of the policy document to review the terms and conditions of the policy.","sources":[{"clause":"7","heading":"Free look period","page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-7-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"conflicting","value":{"unit":"days","amount":30},"display":"30 days; 15 days for monthly premium payment mode","note":"The newer wording says 15 days where premium payment mode is monthly and 30 days in all other cases. The older addendum says 15 days for instalment premium due.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases. ... i) Grace Period of 15 days would be given to pay the instalment premium due for the policy.","sources":[{"clause":"38(b)","heading":"External Congenital Anomaly","page":6,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-38-b-2"},{"clause":"2(i)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11784#c-2-i"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Adults can enter from 18 years to 100 years. Dependent children can enter from 3 months to 30 years.","display":"Adults: 18 years / 100 years; dependent children: 3 months to 30 years.","note":null,"quote":"Minimum / Maximum Age of Entry for Adults – 18 years / 100 years Dependent Child/children-From 3 months to 30 years","sources":[{"clause":null,"heading":"7. Entry Age","page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-7-entry-age"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Half Yearly","Quarterly","Monthly","annual","flexible frequencies of 3, 5 and 6"],"display":"Half Yearly, Quarterly, Monthly, annual, and flexible frequencies of 3, 5 and 6.","note":null,"quote":"If the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly , Quarterly or Monthly or flexible frequencies of 3, 5 and 6 as mentioned in the policy Schedule/Certificate of Insurance, the following Conditions shall apply : ... The grace period of fifteen days (where premium is paid in monthly installments) and thirty days (where premium is paid in quarterly/half-yearly/annual installments)","sources":[{"clause":"2","heading":"Payment of premium on Installment basis (wherever applicable)","page":30,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-2-5"},{"clause":"2(i)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-2-i"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Group Super Top up"],"display":"Group Super Top up can be opted along with or instead of Hospitalisation Expenses.","note":"Group Super Top Up covers hospitalization expenses beyond an aggregate deductible stated in the Policy Schedule.","quote":"Insured can opt for Coverage under Hospitalisation Expenses or Group Super Top up or both.","sources":[{"clause":"8","heading":"Group Super Top up","page":11,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-8-2"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"conflicting","value":"In the newer wording, coverage is not available during the renewal grace period, but if premium is paid in instalments during the policy period, coverage will be available for the grace period also. The older addendum said coverage would not be available during the instalment grace period.","display":"Renewal grace: coverage not available; instalment grace: coverage available in the newer wording.","note":"The conflict is on instalment-premium grace cover: the newer addendum provides coverage during the grace period if premium is paid in instalments, while the older addendum excludes it.","quote":"Coverage is not available during the grace period. ... ii) If the premium is paid in instalments during the policy period, coverage will be available for the grace period also. ... ii) During such grace period, coverage will not be available from the due date of instalment premium till the date of receipt of premium by Company.","sources":[{"clause":"10","heading":"Renewal of Policy","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-10-3"},{"clause":"2(ii)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-2-ii"},{"clause":"2(ii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11784#c-2-ii"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"quote-verified","value":"Room and boarding expenses are covered on actuals.","display":"Room, Boarding expenses (On Actuals).","note":null,"quote":"a) Room, Boarding expenses (On Actuals)","sources":[{"clause":"1","heading":"Hospitalisation Expenses","page":8,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-1-2"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"quote-verified","value":"Maternity is excluded, except ectopic pregnancy. Miscarriage is excluded unless due to an accident, and lawful medical termination of pregnancy during the policy period is excluded.","display":"Excluded, except ectopic pregnancy; miscarriage only if due to accident.","note":null,"quote":"i) Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy;\nii) Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period.","sources":[{"clause":"18","heading":"Maternity [Excl 18]","page":15,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-18-2"}],"law":[]},{"key":"ped_cover_group","label":"Pre-existing diseases","section":"Waiting periods","meaning":"Whether pre-existing diseases are covered from day one for the group.","status":"conflicting","value":"Pre-existing diseases are not covered from day one in the base wording. The newer wording excludes PED treatment and direct complications until 36 months of continuous coverage, while the older wording says 48 months.","display":"No; excluded until 36 months of continuous coverage in the newer wording.","note":"Both wordings do not give day-one PED cover, but they differ on the waiting period: newer 36 months, older 48 months.","quote":"a) Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer. ... a. Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 48\nmonths of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":"1","heading":"Pre-Existing Diseases [Excl 01]","page":12,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-1-3"},{"clause":"1","heading":"Pre-Existing Diseases [Excl 01]","page":5,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11784#c-1-3"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless facility is available where the insured person has opted for cashless facility in a Network Hospital; the insurer pays the network provider directly to the extent pre-authorization is approved.","display":"Available in a Network Hospital to the extent pre-authorization is approved.","note":null,"quote":"Cashless facility means a facility extended by the insurer to the insured where the payments, of the costs of treatment undergone by the insured in accordance with the Policy terms and conditions, are directly made to the network provider by the insurer to the extent pre-authorization approved. ... For opting Cashless Facility: (applicable where the Insured Person/s has opted for cashless facility in a Network Hospital)","sources":[{"clause":"6","heading":"Cashless facility","page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-6"},{"clause":"15(e)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-15-e"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims are handled by the insurer or its TPA; the wording requires intimation to We or Our TPA.","display":"Insurer or TPA.","note":null,"quote":"We or Our TPA must be informed:","sources":[{"clause":"15(a)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785#c-15-a"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"not-stated","value":null,"display":null,"note":"The wording defines family and refers to members, but does not state that one shared family floater sum insured is available.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Liberty Group Health Policy (UIN - LIBHLGP25038V042425) (Effective from 20.02.25)- Policy Wordings","pages":31,"fetched_at":"2026-10-17 19:58:38+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Group%20Health%20Policy%20(UIN%20-%20LIBHLGP25038V042425)%20(Effective%20from%2020.02.25)-%20Policy%20Wordings.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11751"},{"kind":"wording","label":"Liberty Group Health Policy - Policy Wordings (UIN - LIBHLGP22010V032122) (Withdrawn from 30.09.24)","pages":23,"fetched_at":"2026-10-17 20:00:04+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Group%20Health%20Policy%20-%20Policy%20Wordings%20(UIN%20-%20LIBHLGP22010V032122)%20(Withdrawn%20from%2030.09.24).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11784"},{"kind":"wording","label":"Liberty Group Health Policy - Policy Wordings (UIN - LIBHLGP22010V032122) (Withdrawn from 19.02.25)","pages":40,"fetched_at":"2026-10-17 20:00:06+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Group%20Health%20Policy%20-%20Policy%20Wordings%20(UIN%20-%20LIBHLGP22010V032122)%20(Withdrawn%20from%2019.02.25).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11785"},{"kind":"wording","label":"Liberty Group Health Policy (IRDAI copy)","pages":43,"fetched_at":"2026-10-20 02:28:00+00","source_url":"https://irdai.gov.in/documents/37343/931203/LIBHLGP21498V022021_2020-2021.pdf/02c526cb-d2a3-3706-729e-cc645ca06934?version=1.1&t=1668592494622&download=true","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/28448"},{"kind":"prospectus","label":"Liberty Group Health Policy - Prospectus (UIN - LIBHLGP25038V042425) (Effective from 20.02.25)","pages":25,"fetched_at":"2026-10-17 19:55:38+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Group%20Health%20Policy%20-%20Prospectus%20(UIN%20-%20LIBHLGP25038V042425)%20(Effective%20from%2020.02.25).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11700"},{"kind":"cis","label":"Liberty Group Health Policy - CIS (UIN - LIBHLGP25038V042425) (Effective from 20.02.2025)","pages":11,"fetched_at":"2026-10-17 19:47:16+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Group%20Health%20Policy%20-%20CIS%20-%20UIN%20-%20LIBHLGP25038V042425.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/11578"},{"kind":"proposal","label":"Liberty Group Health Policy - Proposal Form (UIN - LIBHLGP25038V042425)","pages":null,"fetched_at":"2026-10-17 19:56:16+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Group%20Health%20Policy%20-%20Proposal%20Form%20(UIN%20-%20LIBHLGP25038V042425).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122/document/30326"}],"versions":[{"uin":"LIBHLGP21498V022021","version":null,"approved_on":null},{"uin":"LIBHLGP25038V042425","version":null,"approved_on":null},{"uin":"LIBHLGP22010V032122","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Liberty General Insurance official website","url":"https://www.libertyinsurance.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims assistance","url":"https://www.libertyinsurance.in/claims/claims-assistance.html","note":null},{"purpose":"claim","kind":"insurer","name":"Health claims","url":"https://www.libertyinsurance.in/claims/health-claims.html","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.libertyinsurance.in/claims/motor-claims.html","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.libertyinsurance.in/customer-support/grievance-redressal.html","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Car insurance renewal","url":"https://www.libertyinsurance.in/products/motor-insurance/car-insurance-renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Liberty Group Health Policy (UIN LIBHLGP22010V032122), IndiaInsurances, https://indiainsurances.com/policy/liberty-general-insurance/liberty-group-health-policy-libhlgp22010v032122"}