{"uin":"LIBHLIP25035V042425","name":"Health Connect Supra Revision_Brochure with Rate Chart_","url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425","insurer":{"slug":"liberty-general-insurance","name":"Liberty General Insurance Limited","url":"https://indiainsurances.com/insurer/liberty-general-insurance"},"line":"health","category":"health-topup","category_name":"Top-up and super top-up","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Health Connect Supra is a health top-up and super top-up policy with individual and family floater options. It offers sum insured options up to 100 Lakhs, deductibles by claim or by policy year, and optional reload, worldwide coverage and wellness assistance.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:52:43.960042+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":"quote-verified","value":["TOP UP","SUPER TOP UP"],"display":"TOP UP; SUPER TOP UP","note":null,"quote":"PLAN | TOP UP\nPLAN TOP UP | SUPER TOP UP","sources":[{"clause":null,"heading":"SUM INSURED AND DEDUCTIBLE (APPLICABLE)","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11753#c-sum-insured-and-deductible-applicable"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"1/ 2/ 3 years.","display":"1/ 2/ 3 years","note":null,"quote":"Tenure | 1/ 2/ 3 years","sources":[{"clause":null,"heading":"GENERAL DETAILS","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11753#c-general-details"}],"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":"Intimation must be given at least 48 hours before planned hospitalization and within 24 hours of emergency hospitalization. Claim related documents must be submitted within 7 days from completion of treatment, as mentioned in the policy schedule.","display":"48 hours before planned hospitalization; within 24 hours for emergency; documents within 7 days from completion of treatment","note":null,"quote":"Intimation must be given atleast 48 hours prior to planned hospitalization and within 24 hours of hospitalization in case of emergency hospitalization. All claim related documents needs to be submitted within 7 days from the date of completion of treatment -as mentioned in the policy schedule.","sources":[{"clause":"16(a)(v)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-16-a-v"}],"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":["Claim form duly completed in all respects","Original Bills, Receipt and Discharge certificate / card from the Hospital.","Original Cash Memos from Hospital(s)/Chemist(s), supported by proper prescriptions.","Original Receipt and Pathological test reports from a Pathologist supported by the note from the attending Medical Practitioner / Surgeon demanding such Pathological tests.","Surgeon’s certificate stating nature of operation performed and Surgeons’ original bill and receipt.","Attending Doctor’s / Consultant’s / Specialist’s / - Anesthetist’s original bill and receipt, and certificate regarding diagnosis.","Medical Case History / Summary.","Original bills & receipts for claiming Ambulance Charges"],"display":"Claim form, hospital bills and discharge card, cash memos with prescriptions, test reports, surgeon and doctor bills/certificates, medical case history, ambulance bills","note":null,"quote":"i. Claim form duly completed in all respects\nii. Original Bills, Receipt and Discharge certificate / card from the Hospital.\niii. Original Cash Memos from Hospital(s)/Chemist(s), supported by proper prescriptions.\niv. Original Receipt and Pathological test reports from a Pathologist supported by the note from the attending Medical Practitioner / Surgeon demanding such Pathological tests.\nv. Surgeon’s certificate stating nature of operation performed and Surgeons’ original bill and receipt.\nvi. Attending Doctor’s / Consultant’s / Specialist’s / - Anesthetist’s original bill and receipt, and certificate regarding diagnosis. ... vii) Medical Case History / Summary. ... viii) Original bills & receipts for claiming Ambulance Charges","sources":[{"clause":"16(b)(vi)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-16-b-vi"},{"clause":"16(b)(vii)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-16-b-vii"},{"clause":"16(b)(viii)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-16-b-viii"}],"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 the claim within 45 days from receipt of the last necessary document.","display":"30 days from last necessary document; 45 days if investigation is required","note":null,"quote":"a) 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. ... c) 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 the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"3(a)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-3-a"},{"clause":"3(c)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-3-c"}],"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":"quote-verified","value":["Pre- Existing Diseases - Code- Excl01","Specified disease/procedure waiting period | - Code- Excl02","30-day Waiting Period - Code- Excl03","Investigation & Evaluation – Code-Excl04","Rest Cure, rehabilitation and respite care- | Code- Excl05","Obesity/ Weight Control: Code- Excl06","Change-of-Gender treatments: Code- Excl07","Cosmetic or plastic Surgery: Code- Excl08","Hazardous or Adventure sports: Code- Excl09","Breach of law: Code- Excl 10","Excluded Providers: Code-Excl11","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl 12","Maternity: Code Excl18","Any OPD treatment except pre and post – hospitalization as covered under Scope of the Policy.","Treatment received outside India except under Optional ‘World-wide cover’ if opted."],"display":"PED, specified disease waiting periods, 30-day illness waiting period, investigation/evaluation, rest cure, obesity, gender change, cosmetic surgery, hazardous sports, breach of law, excluded providers, substance abuse, maternity, OPD, treatment outside India","note":null,"quote":"1 Pre- Existing Diseases - Code- Excl01 ... 2. Specified disease/procedure waiting period | - Code- Excl02 ... 3. 30-day Waiting Period - Code- Excl03 ... 4 Investigation & Evaluation – Code-Excl04 ... 5. Rest Cure, rehabilitation and respite care- | Code- Excl05 ... 6 Obesity/ Weight Control: Code- Excl06 ... 7 Change-of-Gender treatments: Code- Excl07 ... 8 Cosmetic or plastic Surgery: Code- Excl08 ... 9 Hazardous or Adventure sports: Code- Excl09 ... 10 Breach of law: Code- Excl 10 ... 11 Excluded Providers: Code-Excl11 ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl 12 ... Maternity: Code Excl18 ... 8. Any OPD treatment except pre and post – hospitalization as covered under Scope of the Policy.\n9. Treatment received outside India except under Optional ‘World-wide cover’ if opted.","sources":[{"clause":"1","heading":"Pre- Existing Diseases - Code- Excl01","page":14,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-1-3"},{"clause":"4","heading":"Investigation & Evaluation – Code-Excl04","page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-4-3"},{"clause":"6","heading":"Obesity/ Weight Control: Code- Excl06","page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-6-3"},{"clause":"7","heading":"Change-of-Gender treatments: Code- Excl07","page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-7-3"},{"clause":"8","heading":"Cosmetic or plastic Surgery: Code- Excl08","page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-8-3"},{"clause":"9","heading":"Hazardous or Adventure sports: Code- Excl09","page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-9-2"},{"clause":"10","heading":"Breach of law: Code- Excl 10","page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-10-2"},{"clause":"11","heading":"Excluded Providers: Code-Excl11","page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-11-2"},{"clause":"12","heading":null,"page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-12-2"},{"clause":"18","heading":"Maternity: Code Excl18","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-18-2"},{"clause":"18(ii)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-18-ii"}],"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 the company by toll-free number, email or writing to Customer Service. If the response does not meet expectations, escalate to Manager@libertyinsurance.in, then ServiceHead@libertyinsurance.in, and the grievance officer at gro@libertyinsurance.in before the Insurance Ombudsman.","display":"Call 1800-266-5844 or email care@libertyinsurance.in; then Manager@libertyinsurance.in; then ServiceHead@libertyinsurance.in / gro@libertyinsurance.in","note":null,"quote":"In case of any grievance the insured person may contact the company through\nStep 1 | Step 2\nCall us on Toll free number: 1800-266-5844 | If our response or resolution does not meet\nyour expectations, you can escalate at\n(8:00 AM to 8:00 PM, 7 days of the week) | Manager@libertyinsurance.in\nor Email us at : care@libertyinsurance.in Step 3 Senior Citizens can email us at :\nseniorcitizen@libertyinsurance.in | If you are still not satisfied with the\nresolution provided, you can further or escalate at\nWrite to us at: | ServiceHead@libertyinsurance.in ... insured person may contact the grievance officer at gro@libertyinsurance.in .","sources":[{"clause":"15","heading":"Redressal of Grievance","page":24,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-15-3"}],"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":null,"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":"This does not apply to claims arising due to an accident, if covered.","quote":"3. 30-day Waiting Period - Code- Excl03\na) 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":"1","heading":"Pre- Existing Diseases - Code- Excl01","page":14,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-1-3"}],"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":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":null,"quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded as per the Plan mentioned in the Policy schedule i.e.until the expiry 36 months of continuous coverage after the date of inception of the first policy with Us.","sources":[{"clause":"1","heading":"Pre- Existing Diseases - Code- Excl01","page":14,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#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":24},"display":"24 months","note":"Some listed diseases/procedures have a Three Year (36 months) Waiting Period.","quote":"Sr. No. | Two Year (24 months) Waiting Period | Three Year (36 months) Waiting Period","sources":[{"clause":"Excl02","heading":"Specified disease/procedure waiting period - Code- Excl02","page":8,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11721#c-excl02"}],"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","Surgical treatment of Obesity","Hydrocele","Fistula in anus","Piles","Sinusitis and related disorders","Fissure","Gastric and Duodenal ulcers","Gout and Rheumatism","Internal tumors, cysts, nodules, polyps, breast lumps (unless malignant)","Hysterectomy/ myomectomy for menorrhagia or fibromyoma or prolapse of uterus","Polycystic ovarian diseases","Skin tumors (unless malignant)","Benign ear, nose and throat (ENT) disorders and surgeries, adenoidectomy, mastoidectomy, tonsillectomy and tympanoplasty","Dilatation and Curettage (D&C);","Congenital Internal Diseases","Calculus diseases of Gall bladder and Urogenital system","Hypertension and Diabetes and related complications","Joint Replacement due to Degenerative condition","Surgery for prolapsed inter vertebral disc unless arising from accident","Age related Osteoarthritis and Osteoporosis","Spondylosis / Spondylitis","Surgery of varicose veins and varicose ulcers.","Treatment for correction of eye sight (laser surgery) due to refractive error"],"display":"Cataract, BPH, hernia, surgical treatment of obesity, hydrocele, fistula, piles, sinusitis, fissure, ulcers, gout/rheumatism, benign tumours/cysts/polyps, hysterectomy/myomectomy, PCOD, skin tumours, ENT disorders/surgeries, D&C, congenital internal diseases, calculi, hypertension/diabetes complications, degenerative joint replacement, prolapsed disc surgery, osteoarthritis/osteoporosis, spondylosis/spondylitis, varicose veins/ulcers, refractive-error laser surgery","note":"The prospectus has the clearer tabular list; the policy wording also contains the same section but the extracted table is garbled.","quote":"1. | Cataract ... 2. | Benign Prostatic Hypertrophy ... 3. | Hernia | Surgical treatment of Obesity ... 4. | Hydrocele ... 5. | Fistula in anus ... 6. | Piles ... 7. | Sinusitis and related disorders ... 8. | Fissure ... 9. | Gastric and Duodenal ulcers ... 10. | Gout and Rheumatism\n11. | Internal tumors, cysts, nodules, polyps, breast lumps (unless malignant)\n12. | Hysterectomy/ myomectomy for menorrhagia or fibromyoma or prolapse of uterus\n13. | Polycystic ovarian diseases\n14. | Skin tumors (unless malignant)\n15. | Benign ear, nose and throat (ENT) disorders and surgeries, adenoidectomy, mastoidectomy, tonsillectomy and tympanoplasty\n16. | Dilatation and Curettage (D&C);\n17. | Congenital Internal Diseases\n18. | Calculus diseases of Gall bladder and Urogenital system\n19. | Hypertension and Diabetes and related complications\n20. | Joint Replacement due to Degenerative condition\n21. | Surgery for prolapsed inter vertebral disc unless arising from accident\n22. | Age related Osteoarthritis and Osteoporosis\n23. | Spondylosis / Spondylitis\n24. | Surgery of varicose veins and varicose ulcers.\n25. | Treatment for correction of eye sight (laser surgery) due to refractive error","sources":[{"clause":"Row 1","heading":"Cataract","page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11721#c-row-1"},{"clause":"Row 2","heading":"Benign Prostatic Hypertrophy","page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11721#c-row-2"},{"clause":"Row 3","heading":"Hernia","page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11721#c-row-3"},{"clause":"Row 4","heading":"Hydrocele","page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11721#c-row-4"},{"clause":"Row 5","heading":"Fistula in anus","page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11721#c-row-5"},{"clause":"Row 6","heading":"Piles","page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11721#c-row-6"},{"clause":"Row 7","heading":"Sinusitis and related disorders","page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11721#c-row-7"},{"clause":"Row 8","heading":"Fissure","page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11721#c-row-8"},{"clause":"Row 9","heading":"Gastric and Duodenal ulcers","page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11721#c-row-9"},{"clause":"Row 10","heading":"Gout and Rheumatism","page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11721#c-row-10"}],"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":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"Applies to the sums insured of the first policy; enhanced sums insured need sixty continuous months from the enhancement date.","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.","sources":[{"clause":"12","heading":"Moratorium Period","page":23,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-12-3"}],"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":"quote-verified","value":"The insured person may port the policy to other insurers by applying to the new insurer for the entire policy with all family members, at least 30 days before and not earlier than 60 days from renewal. Continuous cover without lapses gives accrued continuity benefits in waiting periods as per IRDAI portability guidelines.","display":"Can port to other insurers with waiting-period continuity credit","note":null,"quote":"The insured person will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. lf such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an Indian General/Health insurer, the proposed insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.","sources":[{"clause":"9","heading":"Portability","page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-9-3"}],"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":"quote-verified","value":true,"display":"Life Long","note":null,"quote":"Renewal | Life Long","sources":[{"clause":null,"heading":"GENERAL DETAILS","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11753#c-general-details"}],"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":"The prospectus says the insurer will not apply any additional loading on renewal based on claim experience.","display":"No additional renewal loading based on claim experience","note":null,"quote":"We will not apply any additional loading on your policy premium at renewal based on claim experience","sources":[{"clause":null,"heading":"DISCOUNTS AND/OR LOADINGS","page":6,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11721#c-discounts-and-or-loadings"}],"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":"quote-verified","value":["Investigation & Evaluation – Code-Excl04","Rest Cure, rehabilitation and respite care- | Code- Excl05","Obesity/ Weight Control: Code- Excl06","Change-of-Gender treatments: Code- Excl07","Cosmetic or plastic Surgery: Code- Excl08","Hazardous or Adventure sports: Code- Excl09","Breach of law: Code- Excl 10","Excluded Providers: Code-Excl11","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl 12","Treatments received in health hydros, nature cure clinics, spas or similar establishments","Dietary supplements and substances that can be purchased without prescription","Refractive error: Code – Excl15","Unproven Treatments: Code- Excl16","Sterility and Infertility: Code- Excl17","Maternity: Code Excl18","Any condition directly or indirectly caused by or associated with any sexually transmitted disease","Any dental treatment or surgery unless requiring hospitalization arising out of an accident.","Any OPD treatment except pre and post – hospitalization as covered under Scope of the Policy.","Treatment received outside India except under Optional ‘World-wide cover’ if opted."],"display":"Excl04 to Excl18, plus specific exclusions such as sexually transmitted disease, dental treatment except accident hospitalization, OPD except pre/post hospitalization, and treatment outside India except optional worldwide cover","note":null,"quote":"4 Investigation & Evaluation – Code-Excl04 ... Rest Cure, rehabilitation and respite care- | Code- Excl05 ... 6 Obesity/ Weight Control: Code- Excl06 ... 7 Change-of-Gender treatments: Code- Excl07 ... 8 Cosmetic or plastic Surgery: Code- Excl08 ... 9 Hazardous or Adventure sports: Code- Excl09 ... 10 Breach of law: Code- Excl 10 ... 11 Excluded Providers: Code-Excl11 ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Code- Excl 12 ... Treatments received in health hydros, nature cure clinics, spas or similar establishments ... Dietary supplements and substances that can be purchased without prescription ... Refractive error: Code – Excl15 ... Unproven Treatments: Code- Excl16 ... Sterility and Infertility: Code- Excl17 ... Maternity: Code Excl18 ... 1. Any condition directly or indirectly caused by or associated with any sexually transmitted disease ... 2. Any dental treatment or surgery unless requiring hospitalization arising out of an accident. ... 8. Any OPD treatment except pre and post – hospitalization as covered under Scope of the Policy.\n9. Treatment received outside India except under Optional ‘World-wide cover’ if opted.","sources":[{"clause":"4","heading":"Investigation & Evaluation – Code-Excl04","page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-4-3"},{"clause":"6","heading":"Obesity/ Weight Control: Code- Excl06","page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-6-3"},{"clause":"7","heading":"Change-of-Gender treatments: Code- Excl07","page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-7-3"},{"clause":"8","heading":"Cosmetic or plastic Surgery: Code- Excl08","page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-8-3"},{"clause":"9","heading":"Hazardous or Adventure sports: Code- Excl09","page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-9-2"},{"clause":"10","heading":"Breach of law: Code- Excl 10","page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-10-2"},{"clause":"11","heading":"Excluded Providers: Code-Excl11","page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-11-2"},{"clause":"12","heading":null,"page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-12-2"},{"clause":"13","heading":null,"page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-13-2"},{"clause":"14","heading":null,"page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-14-2"},{"clause":"15","heading":"Refractive error: Code – Excl15","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-15-2"},{"clause":"16","heading":"Unproven Treatments: Code- Excl16","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-16-2"},{"clause":"17","heading":"Sterility and Infertility: Code- Excl17","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-17-2"},{"clause":"18","heading":"Maternity: Code Excl18","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-18-2"},{"clause":"18(ii)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-18-ii"}],"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":"quote-verified","value":"The policyholder may cancel by giving 7 days written notice. If there is no claim, the Company refunds proportionate premium for the unexpired period for terms up to one year, unexpired premium for future risk years not commenced for policies over one year, and proportionate premium for instalment policies.","display":"7 days notice; proportionate refund of unexpired period if no claim, with special rule for 2/3 year future risk years","note":null,"quote":"i) The policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. ... 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. ... b) refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced. ... c) In case of Installment policy, Policy will be cancelled with Proportionate premium refund for unexpired policy period if there is no claim made during the policy period","sources":[{"clause":"7(i)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-7-i-2"},{"clause":"7(a)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-7-a"},{"clause":"7(b)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-7-b"},{"clause":"7(c)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-7-c"}],"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 base policy covers eligible medical treatment taken within India and benefits are payable in Indian rupees. This is not applicable if the optional World-wide coverage is opted and specified in the schedule.","display":"India; optional World-wide coverage if opted","note":"The World-wide coverage optional cover is for emergency care outside India and is paid in India in Indian rupees on reimbursement basis.","quote":"6. Area of Validity The Policy shall provide for eligible medical treatment taken within India & all the benefits under the Policy shall be payable in Indian rupees only. This Clause is not applicable for the Optional cover ‘World-wide coverage’ if opted by the Insured/s and specified so in the Schedule to this Policy.","sources":[{"clause":"16","heading":"Nomination","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-16-3"}],"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":"Applies 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":"14","heading":"Free Look Period","page":23,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-14-3"}],"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":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy.","sources":[{"clause":"10","heading":"Renewal of Policy","page":23,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-10-3"}],"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":"Minimum entry age is 18 years for adults and 91 days for children. 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They change the answers above only if you buy them.","status":"quote-verified","value":["Reload of Sum Insured","World-wide coverage","Wellness & Assistance Program"],"display":"Reload of Sum Insured; World-wide coverage; Wellness & Assistance Program","note":"Optional cover availability differs by plan option in the benefit schedule.","quote":"Reload of Sum Insured | Reload Sum Insured available when the Sum Insured gets exhausted | NA | • | • | • | •\nWorld-wide coverage | Emergency Medical expenses incurred outside India | NA | NA | NA | • | •\nWellness & Assistance Program | Available on optional basis and serviced by Us/Through Our Service Provider | • | • | • | • | •","sources":[{"clause":null,"heading":"OPTIONAL COVER(S)","page":3,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11753#c-optional-cover-s"}],"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":"quote-verified","value":"Coverage is not available during the grace period.","display":"Coverage is not available during the grace period","note":null,"quote":"Coverage is not available during the grace period.","sources":[{"clause":"10","heading":"Renewal of Policy","page":23,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-10-3"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"The amount (per claim or per year) that must be crossed before this policy pays. Your base policy or you pay this part.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"deductible_basis","label":"Per claim or aggregate","section":"Limits and co-pay","meaning":"Top-up: deductible applies to each claim. Super top-up: to the total of all claims in the year.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"quote-verified","value":"The sales brochure says there is no room rent capping.","display":"No Room Rent Capping","note":"From the sales brochure; the CIS also says sub-limit is not applicable for this product.","quote":"No Co-Pay, No Room Rent Capping, No Sub-Limit: Relieves you from being made to share the Hospitalisation medical expenses due to any of these additional expenses.","sources":[{"clause":null,"heading":"Key Features","page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11545#c-key-features"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"Share of each admissible claim you pay.","status":"quote-verified","value":"Co-payment is not applicable for this product.","display":"Co-Payment is not applicable","note":null,"quote":"Co-Payment is not applicable for this product.","sources":[{"clause":"19","heading":"Exclusions specific to AYUSH Treatment#","page":6,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11603#c-19"}],"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 may be provided by the company directly or through the TPA for hospitalization expenses at a Network Hospital by issuing a pre-authorisation letter. It is not available in Non-network Hospitals and can be declined where admissibility is not established.","display":"Cashless at Network Hospital, directly or through TPA, with pre-authorisation","note":null,"quote":"The company may provide Cashless facility for Hospitalisation expenses either directly or through the TPA if treatment is undergone at a Network Hospital by issuing Pre-Authorisation letter to the health care service provider. ... Cashless facility will not be available in Non-network Hospital and may be declined even for treatment at a network hospital where the information available does not conclusively establish that a claim in respect of the treatment would be admissible.","sources":[{"clause":"16(b)(i)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-16-b-i"},{"clause":"16(b)(iv)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-16-b-iv"}],"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 may be handled by the Company directly or through the TPA named in the Policy/Health Card.","display":"Company directly or through TPA","note":null,"quote":"the Insured Person/s shall give immediate notice to the TPA named in the Policy/Health Card or the Company ... The company may provide Cashless facility for Hospitalisation expenses either directly or through the TPA","sources":[{"clause":"16(a)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-16-a"},{"clause":"16(b)(i)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754#c-16-b-i"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Family Floater Sum Insured basis","note":null,"quote":"Option | Individual Sum Insured basis and Family Floater Sum Insured basis ... Family Floater Basis- Self + Spouse+ max upto 3 dependent children can be covered under a single Sum Insured.","sources":[{"clause":null,"heading":"GENERAL DETAILS","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11753#c-general-details"}],"law":[]}],"documents":[{"kind":"wording","label":"Health Connect Supra Revision_Benefit schedule_(UIN - LIBHLIP25035V042425)","pages":6,"fetched_at":"2026-10-17 19:58:58+00","source_url":"https://www.libertyinsurance.in/Docx/Health%20Connect%20Supra%20Revision_Benefit%20schedule_(UIN%20-%20LIBHLIP25035V042425).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11753"},{"kind":"wording","label":"Health Connect Supra - Policy Wordings (UIN - LIBHLIP25035V042425) (Effective from 07.01.2026)","pages":47,"fetched_at":"2026-10-17 19:58:54+00","source_url":"https://www.libertyinsurance.in/Docx/Health%20Connect%20Supra%20Revision_Policy%20Wordings_(UIN%20-%20LIBHLIP25035V042425_06_04_26.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11754"},{"kind":"prospectus","label":"Health Connect Supra Revision - Prospectus (UIN - LIBHLIP25035V042425) (Effective from 30.09.2024)","pages":38,"fetched_at":"2026-10-17 19:56:42+00","source_url":"https://www.libertyinsurance.in/Docx/Health%20Connect%20Supra%20Revision_Prospectus_(UIN%20-%20LIBHLIP25035V042425).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11721"},{"kind":"cis","label":"Health Connect Supra - CIS (UIN - LIBHLIP25035V042425) (Effective from 30.09.2024)","pages":37,"fetched_at":"2026-10-17 19:48:36+00","source_url":"https://www.libertyinsurance.in/Docx/Health%20Connect%20Supra_CIS_(UIN%20-%20LIBHLIP25035V042425).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11603"},{"kind":"brochure","label":"Health Connect Supra Revision_Brochure with Rate Chart_(UIN - LIBHLIP25035V042425) (Effective from 25.10.2024)","pages":15,"fetched_at":"2026-10-17 19:45:10+00","source_url":"https://www.libertyinsurance.in/Docx/Health%20Connect%20Supra_Brochure_%20(UIN%20-%20LIBHLIP25035V042425).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/11545"},{"kind":"proposal","label":"Health Connect Supra - Proposal form (UIN - LIBHLIP25035V042425)","pages":null,"fetched_at":"2026-10-17 19:57:22+00","source_url":"https://www.libertyinsurance.in/Docx/Health%20Connect%20Supra%20-%20Proposal%20form%20(UIN%20-%20LIBHLIP25035V042425).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/30336"},{"kind":"claim-form","label":"Health Connect Supra Plan - Claim Form (UIN - LIBHLIP25035V042425) (Effective from 30.09.2024)","pages":null,"fetched_at":"2026-10-17 19:52:44+00","source_url":"https://www.libertyinsurance.in/Docx/LIBHLIP25035V042425%20-%20Health%20Connect%20Supra%20Plan%20-%20Claim%20Form%20-%20Effective%20from%2030092024.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425/document/30315"}],"versions":[],"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":"Health Connect Supra Revision_Brochure with Rate Chart_ (UIN LIBHLIP25035V042425), IndiaInsurances, https://indiainsurances.com/policy/liberty-general-insurance/health-connect-supra-revision-brochure-with-rate-chart-libhlip25035v042425"}