{"uin":"LIBHLIP26039V062526","name":"Liberty Health Connect Policy","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526","insurer":{"slug":"liberty-general-insurance","name":"Liberty General Insurance Limited","url":"https://indiainsurances.com/insurer/liberty-general-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":"2013-12-23","withdrawn_on":null,"summary":"Liberty Health Connect Policy is an indemnity health insurance policy with individual and family floater options across E-Connect, Basic, Elite, Supreme and Supreme Plus plans. It has a 30-day initial waiting period, PED waiting period of 36 or 24 months by plan, and policy terms of 1, 2 or 3 years.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:50:39.755665+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":["E-Connect","Basic","Elite","Supreme","Supreme Plus"],"display":"E-Connect, Basic, Elite, Supreme and Supreme Plus","note":null,"quote":"S r. N o . | Benefits | Descriptio n | E- Conne ct | Basic | Elite | Supre me | Supre me Plus","sources":[{"clause":null,"heading":"Basic Sum","page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11590#c-basic-sum"}],"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":"5","heading":"Tenure: 1/2/3 Years","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11704#c-5"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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","Any additional documents or information, as may be deemed necessary by the Company or TPA."],"display":"Claim form, hospital bills/receipts/discharge card, cash memos with prescriptions, test reports, surgeon and doctor bills/certificates, medical case history, ambulance bills and any additional documents","note":null,"quote":"i) Claim form duly completed in all respects ... ii) Original Bills, Receipt and Discharge certificate / card from the Hospital. ... iii) Original Cash Memos from Hospital(s)/Chemist(s), supported by proper prescriptions. ... iv) Original Receipt and Pathological test reports from a Pathologist supported by the note from the attending Medical Practitioner / Surgeon demanding such Pathological tests. ... v) Surgeon’s certificate stating nature of operation performed and Surgeons’ original bill and receipt. ... vi) 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 ... ix) Any additional documents or information, as may be deemed necessary by the Company or TPA.","sources":[{"clause":"17(b)(i)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-17-b-i-2"},{"clause":"17(b)(ii)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-17-b-ii"},{"clause":"17(b)(iii)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-17-b-iii"},{"clause":"17(b)(iv)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-17-b-iv"},{"clause":"17(b)(v)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-17-b-v"},{"clause":"17(b)(vi)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-17-b-vi"},{"clause":"17(b)(vii)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-17-b-vii"},{"clause":"17(b)(viii)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-17-b-viii"},{"clause":"17(b)(ix)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-17-b-ix"}],"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":"conflicting","value":"The policy wording's claim procedure says the company shall settle or reject a claim within 15 days from receipt of the last necessary document, or within 45 days where investigation is needed.","display":"15 days from last necessary document; 45 days if investigated","note":"The CIS says: \"within 30 days of submission of all necessary documents / information\". The policy wording also contains a standard clause saying 30 days, but its claim-procedure clause says 15 days.","quote":"The Company shall settle or reject a claim, as the case may be, within 15 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. ... within 30 days of submission of all necessary documents / information","sources":[{"clause":"17(e)(i)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-17-e-i"},{"clause":"17(e)(iii)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-17-e-iii"},{"clause":"17(e)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11590#c-17-e"}],"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.","Refractive error: Code – Excl15","Unproven Treatments: Code- Excl16","Maternity: Code Excl18"],"display":"PED, specified disease/procedure and 30-day waiting exclusions, plus investigation, rest cure, obesity, gender-change, cosmetic surgery, hazardous sports, breach of law, excluded providers, alcohol/drug abuse, refractive error, unproven treatments and maternity exclusions","note":null,"quote":"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 ... Refractive error: Code – Excl15 ... Unproven Treatments: Code- Excl16 ... Maternity: Code Excl18","sources":[{"clause":"1","heading":"Pre - Existing Diseases – Code –Excl01","page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-1-3"},{"clause":"2","heading":"Specified disease/procedure waiting period - Code- Excl02","page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-2-3"},{"clause":"2(f)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-2-f"},{"clause":"4","heading":"Investigation & Evaluation – Code-Excl04","page":24,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-4-3"},{"clause":"5","heading":"Rest Cure, rehabilitation and respite care - Code- Excl05","page":24,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-5-3"},{"clause":"6","heading":"Obesity/ Weight Control: Code- Excl06","page":24,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-6-3"},{"clause":"7","heading":"Change -of-Gender treatments: Code- Excl07","page":24,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-7-3"},{"clause":"8","heading":"Cosmetic or plastic Surgery: Code- Excl08","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-8-3"},{"clause":"9","heading":"Hazardous or Adventure sports: Code- Excl09","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-9-3"},{"clause":"10","heading":"Breach of law: Code- Excl 10","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-10-3"},{"clause":"11","heading":"Excluded Providers : Code-Excl11","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-11-3"},{"clause":"12","heading":"Treatment for, Alcoholism, drug or substance abuse or any addictive condition and","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-12-3"},{"clause":"15","heading":"Refractive error: Code – Excl15","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-15"},{"clause":"16","heading":"Unproven Treatments: Code- Excl16","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-16-2"},{"clause":"18","heading":"Maternity: Code Excl18","page":26,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-18-2"}],"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":"Complain first to Liberty by toll-free number 1800-266-5844, care@libertyinsurance.in or Customer Service address; then escalate to Manager@libertyinsurance.in and ServiceHead@libertyinsurance.in. If still not satisfied, contact the grievance officer at gro@libertyinsurance.in before approaching the Insurance Ombudsman.","display":"Call 1800-266-5844 or email care@libertyinsurance.in; escalate to Manager@libertyinsurance.in, then ServiceHead@libertyinsurance.in; grievance officer gro@libertyinsurance.in","note":null,"quote":"Call us on Toll free number: 1800-266-5844 (8:00 AM to 8:00 PM, 7 days of the week) or Email us at : care@libertyinsurance.in ... you can escalate at Manager@libertyinsurance.in ... you can further escalate at ServiceHead@libertyinsurance.in ... insured person may contact the grievance officer at gro@libe rtyinsurance.in.","sources":[{"clause":"16","heading":"Redressal of Grievance","page":32,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-16-3"}],"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":"quote-verified","value":"Basic Sum Insured options vary by plan: E-Connect 3, 4, 5 and 7.5 lacs; Basic 2, 3, 4, 5, 6, 7.5 and 10 lacs; Elite 3, 4, 5, 6, 7.5, 10 and 15 lacs; Supreme 2, 3, 4, 5, 6, 7.5, 10 and 15 lacs; Supreme Plus 5, 7.5, 10, 15, 20, 30 and 40 lacs.","display":"E-Connect: 3, 4, 5, 7.5 L; Basic: 2, 3, 4, 5, 6, 7.5, 10 L; Elite: 3, 4, 5, 6, 7.5, 10, 15 L; Supreme: 2, 3, 4, 5, 6, 7.5, 10, 15 L; Supreme Plus: 5, 7.5, 10, 15, 20, 30, 40 L","note":null,"quote":"Basic Sum Insured (BSI) | Applicable Per Year and Per Insured member in an Individual Sum Insured Policy and for all Insured members combined in a Family Floater Policy. Benefits from 1 to 10 are included | 3,4,5, 7.5L | 2,3,4,5 ,6,7. 5,10L | 3,4,5,6 ,7.5, 10,15L | 2,3,4,5 ,6, 7.5,10, 15 L | 5, 7.5, 10, 15, 20, 30, 40 L","sources":[{"clause":"Row 5","heading":"Policy Coverage (What the policy covers?)","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11590#c-row-5"}],"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":null,"quote":"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":"Row 10(a)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-row-10-a"}],"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; 24 months for Supreme and Supreme Plus","note":"E-Connect, Basic and Elite show 36 months. Supreme and Supreme Plus show 24 months.","quote":"Policy will cover the Pre - existing diseases afetr a waiting period of | 36 month s | 36 month s | 36 month s | 24 month s | 24 month s","sources":[{"clause":null,"heading":"Waiting Period","page":14,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11590#c-waiting-period"}],"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":"12 months; other listed conditions have 24 or 36 months","note":"The listed conditions are divided into First Year (12 months), Two Year (24 months) and Three Year (36 months) waiting periods.","quote":"Sr. No | First Year (12 months) Waiting Period | Two Year (24 months) Waiting Period | Three Year (36 months) Waitin Period","sources":[{"clause":"2","heading":"Specified disease/procedure waiting period - Code- Excl02","page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-2-3"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Enhanced sums insured get their own sixty continuous months from the date of enhancement.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and cla im shall be contestable by the insurer on grounds of non -disclosure, misrepresentation, except on grounds of established fraud.","sources":[{"clause":"12","heading":"Moratorium Period","page":31,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-12-4"}],"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 entire policy with all family members to another insurer by applying at least 30 days before, but not earlier than 60 days from, renewal. Accrued continuity benefits in waiting periods are available as per IRDAI guidelines if continuously covered without lapses.","display":"Allowed; apply at least 30 days before and not earlier than 60 days from renewal; waiting-period credit is carried as per IRDAI guidelines","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. ... 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":30,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-9-4"}],"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":"Renewability: Lifelong","note":null,"quote":"Renewability: Lifelong","sources":[{"clause":"4","heading":"Renewability: Lifelong","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11704#c-4"}],"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 insurer says it will not apply any additional loading on renewal premium based on claim experience.","display":"No additional loading at renewal based on claim experience","note":"Risk loading may be applied based on declarations and health status, but not on renewal claim experience.","quote":"We will not apply any additional loading on your policy premium at renewal based on claim experience.","sources":[{"clause":null,"heading":"Discount & Loadings","page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11704#c-discount-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","sexually transmitted disease","dental treatment or surgery unless requiring hospitalization arising out of an accident","Treatment taken from anyone who is not a Medical Practitioner","cost of spectacles and contactlenses, hearing aids, routine eye and ear examinations, dentures, artificial teeth","External Congenital Anomaly","Any OPD treatment except pre and post – hospitalization","Treatment received outside India unless specifically mentioned in your policy schedule","War or any act of war","Act of self -destruction or self -inflicted, attempted suicide or suicide","Nuclear, chemical or biological attack or weapons","Alopecia, wigs and/or toupee and all hair or hair fall treatment and products","Drugs or treatment and medical supplies not supported by a prescription from a Medical Practitioner"],"display":"Standard Excl04 to Excl18 plus specific exclusions including STDs, dental except accident hospitalisation, non-medical practitioner/self-medication, external aids, external congenital anomaly, OPD except pre/post hospitalisation, treatment outside India unless scheduled, war, self-inflicted injury, nuclear/chemical/biological attack, alopecia and non-prescribed drugs","note":null,"quote":"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. ... External Congenital Anomaly. ... Any OPD treatment except pre and post – hospitalization as covered under Scope of the Policy. ... Treatment received outside India unless specifically mentioned in your policy schedule. ... War or any act of war ... Act of self -destruction or self -inflicted, attempted suicide or suicide ... Nuclear, chemical or biological attack or weapons ... Alopecia, wigs and/or toupee and all hair or hair fall treatment and products.\n17. Drugs or treatment and medical supplies not supported by a prescription from a Medical Practitioner.","sources":[{"clause":"4","heading":"Investigation & Evaluation – Code-Excl04","page":24,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-4-3"},{"clause":"5","heading":"Rest Cure, rehabilitation and respite care - Code- Excl05","page":24,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-5-3"},{"clause":"6","heading":"Obesity/ Weight Control: Code- Excl06","page":24,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-6-3"},{"clause":"7","heading":"Change -of-Gender treatments: Code- Excl07","page":24,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-7-3"},{"clause":"8","heading":"Cosmetic or plastic Surgery: Code- Excl08","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-8-3"},{"clause":"9","heading":"Hazardous or Adventure sports: Code- Excl09","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-9-3"},{"clause":"10","heading":"Breach of law: Code- Excl 10","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-10-3"},{"clause":"11","heading":"Excluded Providers : Code-Excl11","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-11-3"},{"clause":"12","heading":"Treatment for, Alcoholism, drug or substance abuse or any addictive condition and","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-12-3"},{"clause":"13","heading":null,"page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-13-3"},{"clause":"14","heading":"Dietary supplements and substances that can be purchased without prescription including","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-14-2"},{"clause":"15","heading":"Refractive error: Code – Excl15","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-15"},{"clause":"16","heading":"Unproven Treatments: Code- Excl16","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-16-2"},{"clause":"17","heading":"Sterility and Infertility: Code- Excl17","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-17-2"},{"clause":"18","heading":"Maternity: Code Excl18","page":26,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-18-2"},{"clause":"18(c)","heading":"Biological attack or weapons","page":27,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-18-c"}],"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 at any time by giving 7 days' written notice. If no claim is made, the company refunds proportionate premium for the unexpired period for terms up to one year and instalment policies; for terms over one year it refunds premium for unexpired policy years where risk coverage has not commenced.","display":"Cancel with 7 days' written notice; proportionate refund for unexpired period if no claim, with multi-year refund for years where risk has not commenced","note":null,"quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. ... 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. ... 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. ... 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":29,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-7-i"},{"clause":"7(a)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-7-a"},{"clause":"7(b)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-7-b"},{"clause":"7(c)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#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 pays benefits in Indian rupees only. Optional Global Cover can cover emergency inpatient medical expenses outside India for a maximum period of 180 consecutive days.","display":"India only; optional Global Cover for emergency inpatient expenses outside India up to 180 consecutive days","note":"Global Cover is an optional cover and not part of the base territory.","quote":"The policy shall provide for eligible medical treatment taken within India & all the benefits under the policy shall be payable in Indian rupees only. ... Global Cover The Company will indemnify up to the amount specified in the Policy Schedule, as per the Basic Sum Insured and plan chosen, for the emergency care Medical Expenses incurred outside India ... The cover is available for a maximum period of 180 consecutive days.","sources":[{"clause":"17","heading":"Nomination","page":33,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-17-3"},{"clause":"13(VII)(b)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-13-vii-b-5"},{"clause":"Excl02","heading":"First Year Waiting Period ’ as specified under Part V ‘General Exclusions’ of the","page":19,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-excl02"}],"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":"The prospectus key-features text says 15 days, but the policy wording and the prospectus Free Look Period section say 30 days.","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":"15","heading":"Free Look Period","page":32,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-15-2"}],"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; 15 days for monthly instalments","note":"Monthly instalments have 15 days. Quarterly, half-yearly and annual instalments have 30 days.","quote":"fifteen days where premium payment mode is monthly and thirty days in all other cases. ... 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) is available on the premium due date","sources":[{"clause":"17","heading":"“Grace period ”","page":3,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-17"},{"clause":"13(i)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-13-i-2"}],"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 dependent children. Maximum entry age is 65 years.","display":"Adult: 18 to 65 years; dependent child: 91 days","note":"The definition of dependent child allows cover from 91 days to eighteen years, or up to and including 25 years if in full-time education.","quote":"Minimum entry Age: Adult –18 years; Dependent Child -91 days Maximum entry Age: 65 Years","sources":[{"clause":"17","heading":"Nomination","page":33,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-17-3"}],"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":["Annual","Half-yearly","Quarterly","Monthly"],"display":"Annual/ Half-yearly, Quarterly, Monthly","note":null,"quote":"Premium payment | Annual/ Half-yearly, Quarterly, Monthly","sources":[{"clause":null,"heading":"Basic Sum","page":6,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11590#c-basic-sum-2"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 renewal grace period. If premium is paid in instalments during the policy period, coverage will be available for the grace period also.","display":"Renewal grace: coverage not available; instalment premium grace: coverage available","note":null,"quote":"Coverage is not available during the grace period. ... If the premium is paid in instalments during the policy period, coverage will be available for the grace period also.","sources":[{"clause":"10","heading":"Renewal of Policy","page":30,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-10-4"},{"clause":"13(ii)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-13-ii-2"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"quote-verified","value":"The base product states that sub-limit is not applicable. If the optional Room Rent limit is selected, room, boarding and nursing expenses are capped at 1% of the sum insured or INR.5000 per day, whichever is lower.","display":"No base sub-limit; optional Room Rent limit: 1% of sum insured or INR.5000 per day, whichever is lower","note":"The 1%/INR.5000 cap applies only if the optional Room Rent limit is opted.","quote":"Sub-limit - Sub-Limit is not applicable in this product. ... The Room Rent, Boarding, Nursing Expenses as provided by the Hospital / Nursing Home will be capped to 1% of the sum insured or maximum up to INR.5000/ -, per day whichever is lower.","sources":[{"clause":"17(c)","heading":"Biological attack or weapons","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11590#c-17-c"},{"clause":"Excl02(i)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-excl02-i-2"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"quote-verified","value":"No room-category limit is stated for the base product; the CIS says sub-limit is not applicable.","display":"No room-category limit stated; sub-limit not applicable","note":null,"quote":"Sub-limit - Sub-Limit is not applicable in this product.","sources":[{"clause":"17(c)","heading":"Biological attack or weapons","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11590#c-17-c"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"quote-verified","value":"The base product states that sub-limit is not applicable. If the optional Room Rent limit is selected, ICU/ICCU expenses are capped at 2% of the sum insured or INR 7,500 per day, whichever is lower.","display":"No base sub-limit; optional ICU/ICCU cap: 2% of sum insured or INR 7,500 per day, whichever is lower","note":"The 2%/INR 7,500 cap applies only if the optional Room Rent limit is opted.","quote":"Sub-limit - Sub-Limit is not applicable in this product. ... Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses will be capped to 2% of the sum insured or maximum up to INR 7,500/ - per day whichever is lower.","sources":[{"clause":"17(c)","heading":"Biological attack or weapons","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11590#c-17-c"},{"clause":"Excl02(ii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-excl02-ii"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"quote-verified","value":"If the optional Room Rent limit is selected and the insured is admitted to a room, ICU or ICCU above the stated limits, all other hospital expenses except medicines are reduced in the same proportion as the admissible daily rate bears to the actual daily rate.","display":"Yes, under optional Room Rent limit; associated expenses except medicines are proportionately reduced","note":"This applies to the optional Room Rent limit.","quote":"In case of admission to a Room/ICU/ICCU at rates exceeding the aforesaid limits, the reimbursement/payment of all other expenses incurred at the Hospital, with the exception of cost of medicines, shall be effected in the same proportion as the admissible rate per day bears to the actual rate per day of Room Rent/ICU/ICCU charges.","sources":[{"clause":"Excl02(ii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-excl02-ii"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"quote-verified","value":"No general deductible is stated for hospitalisation claims. A deductible of the first 48 hours of hospitalisation applies to Hospital Daily Cash Allowance and Nursing Allowance.","display":"No general deductible; first 48 hours deductible for Hospital Daily Cash Allowance and Nursing Allowance","note":null,"quote":"Deductible - A deductible of frist 48 hours of hospitalization is applicable to Hospital Daily Cash Allowance and Nursing Allowance.","sources":[{"clause":"17(c)","heading":"Biological attack or weapons","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11590#c-17-c"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"quote-verified","value":["Sub-limit - Sub-Limit is not applicable in this product.","Optional Cataract Capping: 3 Lakhs to 4 Lakhs - INR 25,000/- per person; 5Lakhs to 7.5Lakhs - INR 35,000/- per person; 10 Lakhs & Above - INR 40,000/- per person"],"display":"No base sub-limit; optional Cataract Capping: INR 25,000, INR 35,000 or INR 40,000 per eye by sum insured","note":"Cataract Capping is optional and can be opted from age 50 years and above.","quote":"Sub-limit - Sub-Limit is not applicable in this product. ... Basic Sum Insured | Cataract per eye limit\n3 Lakhs to 4 Lakhs | INR 25,000/- per person\n5Lakhs to 7.5Lakhs | INR 35,000/- per person\n10 Lakhs & Above | INR 40,000/- per person","sources":[{"clause":"17(c)","heading":"Biological attack or weapons","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11590#c-17-c"},{"clause":"Excl02(ii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-excl02-ii"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"E-Connect: 30 days; Basic, Elite and Supreme: 60 days; Supreme Plus: 90 days.","quote":"2 | Pre-hospitalis ation Expenses | Medical expenses incurred prior to the covered | 30 days | 60 days | 60 days | 60 days | 90 days","sources":[{"clause":null,"heading":"Basic Sum","page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11590#c-basic-sum"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60 days","note":"E-Connect: 60 days; Basic, Elite and Supreme: 90 days; Supreme Plus: 120 days for SI up to 10 L and 180 days for SI above 10L.","quote":"3 | Post-hospitalis ation Expenses | Medical expenses incurred afetr the covered Hospitaliza tion | 60 days | 90 days | 90 days | 90 days | SI upto 10 L: 120 days SI above 10L: 180 days","sources":[{"clause":null,"heading":"Basic Sum","page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11590#c-basic-sum"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"Day care treatment is covered when the treatment or surgery is taken as an inpatient in less than 24 hours in a hospital or standalone day care center, but not in the outpatient department. The policy also prints a list of day care procedures and says it can include other day care procedures or surgery or treatment.","display":"Covered for inpatient day care in less than 24 hours; not OPD; listed procedures and other day care procedures can be included","note":null,"quote":"The Company will indemnify medical expenses incurred on a treatment towards a Day Care procedure, where the procedure or surgery is taken by the Insured Person as an inpatient in less than 24 hours in a Hospital or standalone day care center but not in the Outpatient department of a Hospital. ... Day Care Procedures/ treatments include the following Day Care Surgeries & Day Care Treatments and can include other Day Care procedures or surgery or treatment undertaken by the Insured Pers on as an inpatient for less than 24 hours","sources":[{"clause":"1(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-1-b"},{"clause":"17(b)(ix)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-17-b-ix"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"quote-verified","value":"Domiciliary hospitalisation at home in India is covered up to 10% of the Basic Sum Insured for a policy year, when otherwise hospital care is required but the patient cannot be moved or a hospital room is unavailable.","display":"Covered at home in India up to 10% of Basic Sum Insured per policy year","note":"CIS shows Supreme Plus as 10% of SI up to 10L and 20% of SI above 10L.","quote":"The Company will indemnify medical expenses incur red by an Insured Person/s for Domiciliary Hospitalization treatment taken at his home in India limited to 10% of the Basic Sum Insured for a Policy year.","sources":[{"clause":"4","heading":"Domiciliary Hospitalisation Treatment","page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-4-2"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"AYUSH inpatient hospitalisation treatment under Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy is covered up to the Basic Sum Insured, if hospitalised for at least 24 hours in the specified recognised AYUSH facilities in India.","display":"Covered up to Basic Sum Insured for AYUSH inpatient hospitalisation of minimum 24 hours in India","note":"AYUSH OPD/day care, wellness, preventive and rejuvenation treatments, and AYUSH pre/post hospitalisation are excluded.","quote":"The Company will indemnify Reasonable and Customary charges up to the Basic Sum Insured mentioned in the Policy Schedule, towards Medical Ex penses incurred for the inpatient hospitalization treatment taken under Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy provided that the hospitalization is for minimum 24 hours","sources":[{"clause":"12","heading":"AYUSH Treatment#","page":12,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-12-2"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"quote-verified","value":"The optional Modern Surgeries limit covers listed modern procedures, where medically indicated, as inpatient, domiciliary or day care treatment in a hospital up to 50% of the Sum Insured.","display":"Optional: listed modern procedures covered up to 50% of Sum Insured","note":"This is an optional cover/limit selected for a premium discount; the base policy does not state a separate modern-treatment cap.","quote":"Modern Surgeries limit The following procedures will be covered (wherever medically indicated ) either as in patient or as part of domiciliary hospitalization or as day care treatment in a hospital upto 50% of Sum Insured, specified in the policy schedule, during the policy period:\nA. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) B. Balloon Sinuplasty C. Deep Brain stimulation D. Oral chemotherapy E. Immunotherapy- Monoclonal Antibody to be given as injection F. Intra vitreal injections G. Robotic surgeries H. Stereotactic radio surgeries ... I) BronchicalThermoplasty J. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) K. IONM - (Intra Operative Neuro Monitoring) L. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered.","sources":[{"clause":"Excl02(b)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-excl02-b"},{"clause":"Excl02(I)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-excl02-i"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"quote-verified","value":"Organ donor screening charges and medical expenses for harvesting the donated organ are covered up to the amount specified in the schedule, when the organ is for the insured person and the inpatient claim is admissible.","display":"Covered for donor screening and harvesting expenses up to the schedule limit","note":"CIS shows E-Connect up to 1 lac and the other plans up to Basic SI.","quote":"The Company will indemnify organ donor’s screening charges & the medical expenses for an organ donor’s treatment for harvesting of the organ donated up to the amount as specified in the Schedule to this Policy","sources":[{"clause":"7","heading":"Organ Donor Expenses","page":11,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-7-2"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"quote-verified","value":"Where applicable, if the Basic Sum Insured is exhausted due to claims made and paid or accepted as payable in a policy year, the insurer automatically restores 100% of the Basic Sum Insured for future admissible claims. The restored sum cannot be used for the illness or disease for which a claim has already been paid in the current policy year, and is not carried forward.","display":"100% of Basic Sum Insured restored after exhaustion; future claims only; not same illness; not carried forward","note":"The plan chart in the brochure shows Restoration of Basic Sum Insured as available for E-Connect, Elite, Supreme and Supreme Plus, and NA for Basic.","quote":"the Company agrees to automatically make available a Restore Sum Insured equal to 100% of the Basic Sum Insured for the particular policy year ... The Restored Sum Insured can be used for only future claims made by the Insured Person and not against any claim for an illness/disease for which a claim has been paid in the current policy year ... Any unutilized restored amount cannot be carried forward to any subsequent Policy Year.","sources":[{"clause":"11","heading":"Restoration of Sum Insured","page":12,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-11-2"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"quote-verified","value":"On every claim-free policy year, the insured may choose either Loyalty Perk, which automatically increases Basic Sum Insured by 10% up to 100% of Basic Sum Insured, or a discount in renewal premium. If any Loyalty Perk is utilised following a claim, the balance is carried forward but no fresh Loyalty Perk is earned on the immediate renewal.","display":"10% of Basic Sum Insured for each claim-free year, up to 100%; or renewal-premium discount; no fresh Loyalty Perk after a claim in the immediate renewal","note":"Optional Super Booster can increase cumulative bonus by an additional 40% per claim-free year up to 150% of Basic SI.","quote":"This Policy provides for auto increase in Basic Sum Insured by 10% on the Basic Sum Insured for every claim free Policy year up to a maximum of 100% of the Basic Sum Insured ... Discount in renewal premium in the in lieu of auto increase in Basic Sum Insured (Loyalty Perk /Cumulative Bonus) for every claim free Policy year ... Where a portion of/ full Loyalty P erk earned is utilized following a claim, the balance if any available will be carried forward for the immediate renewal. However, the Policy would not qualify for any fresh Loyalty Perk on the immediate Policy renewal.","sources":[{"clause":"Excl02(I)(a)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-excl02-i-a"},{"clause":"Excl02(I)(e)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-excl02-i-e"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"The base policy excludes the standard list of non-medical items, including gloves, masks, nebulisation kit and similar items. The optional Zero deduct cover waives the excluded non-medical expenses list and indemnifies reasonable and customary charges for those items as part of and up to the Basic Sum Insured.","display":"Base excludes listed non-medical items; optional Zero deduct cover pays them up to Basic Sum Insured","note":"Zero deduct cover is optional and requires additional premium.","quote":"List I – Items for which coverage is not available in the policy ... 56 | GLOVES ... 60 | MASK ... 57 | NEBULISATION KIT ... Zero deduct cover By opting this cover, the list of excluded expenses towards ‘Non -medical expenses’ as mentioned in the Annexure-A of the Policy, stands waived off. All Reasonable and customary charges of these items will be indemnified as part and up to the Basic Sum Insured.","sources":[{"clause":"Annexure A","heading":null,"page":47,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-annexure-a"},{"clause":"13","heading":"Extended Policy tenure","page":13,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-13-2"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity expenses are excluded: medical treatment expenses traceable to childbirth, including complicated deliveries and caesarean sections during hospitalisation, are excluded except ectopic pregnancy. Miscarriage expenses are excluded unless due to an accident, and lawful medical termination of pregnancy is excluded.","display":"Excluded except ectopic pregnancy; miscarriage excluded unless due to accident","note":null,"quote":"Maternity: Code Excl18 ... Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy; ... Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period","sources":[{"clause":"18","heading":"Maternity: Code Excl18","page":26,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-18-2"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","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 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"OPD treatment is excluded except pre- and post-hospitalisation covered under the scope of the policy.","display":"OPD excluded except pre- and post-hospitalisation","note":null,"quote":"Any OPD treatment except pre and post – hospitalization as covered under Scope of the Policy.","sources":[{"clause":"18","heading":"Maternity: Code Excl18","page":26,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-18-2"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 at network hospitals. For cashless service, the insured may call customer care or visit the company website for the list of empaneled hospitals; cashless is not available in non-network hospitals.","display":"Cashless available at network hospitals; not available in non-network hospitals","note":null,"quote":"You may call to our Customer care number for obtaining Cashless facility. You may also visit to our Company website www.libertyinsurance.in to know the list of empaneled Hospitals. ... Cashless facility will not be available in Non-network Hospital","sources":[{"clause":"17(a)","heading":"For Cashless Service","page":36,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-17-a"},{"clause":"17(b)(iv)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11590#c-17-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 intimated to the TPA named in the policy/health card or to the company; cashless pre-authorisation may be issued by the company either directly or through the TPA.","display":"Company or 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":"17(a)","heading":"Notification of claim","page":38,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-17-a-3"},{"clause":"17(b)(i)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11590#c-17-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":"Individual/Family Floater policy","note":null,"quote":"Family Floater” means Policy wherein all Insured Person/s of a family are covered under a single Basic Sum Insured. ... Sum Insured | Individual/Family Floater policy","sources":[{"clause":"46","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755#c-46"},{"clause":"Row 4","heading":"Sum Insured","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11590#c-row-4"}],"law":[]}],"documents":[{"kind":"wording","label":"Liberty Health Connect Revision - Policy Wordings (UIN - LIBHLIP26039V062526) (Effective from 01.07.2025)","pages":53,"fetched_at":"2026-10-17 19:59:10+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Health%20Connect%20Revision%20-%20Policy%20Wordings%20(UIN%20-%20LIBHLIP26039V062526)%20(Effective%20from%2001.07.2025)_06_04_26.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11755"},{"kind":"wording","label":"Liberty Health Connect Policy (IRDAI copy)","pages":35,"fetched_at":"2026-10-20 02:17:51+00","source_url":"https://irdai.gov.in/documents/37343/931203/Liberty+Health+Connect+Policy_2013-2014.pdf/d8c26b46-6d3e-4dfc-9a91-55fabeaee6f4?version=1.1&t=1668235538508&download=true","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/27893"},{"kind":"prospectus","label":"Liberty Health Connect Policy - Prospectus (UIN-LIBHLIP26039V062526) (Effective from 01.07.2025)","pages":49,"fetched_at":"2026-10-17 19:56:02+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Health%20Connect%20Policy%20-%20Prospectus-LIBHLIP26039V062526-1072025.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11704"},{"kind":"cis","label":"Liberty Health Connect Policy - CIS (UIN-LIBHLIP26039V062526) (Effective from 01.07.2025)","pages":38,"fetched_at":"2026-10-17 19:47:46+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Health%20Connect%20Policy%20-%20CIS%20(UIN-LIBHLIP26039V062526).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11590"},{"kind":"brochure","label":"Liberty Health Connect Policy -Brochure with Rate Chart(UIN-LIBHLIP26039V062526) (Effective from 01.07.2025)","pages":2,"fetched_at":"2026-10-17 19:45:38+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Health%20Connect%20Policy%20-Brochure%20with%20Rate%20Chart%20-%20LIBHLIP26039V062526-01072025.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/11553"},{"kind":"proposal","label":"Liberty Health Connect Policy - Proposal form_(LIBHLIP26039V062526)","pages":null,"fetched_at":"2026-10-17 19:56:40+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Health%20Connect%20Policy%20-%20Proposal%20form_(LIBHLIP26039V062526).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/30329"},{"kind":"claim-form","label":"Liberty Health Connect - Claim Form (UIN - LIBHLIP26039V062526) (Effective from 01.07.2025)","pages":null,"fetched_at":"2026-10-17 19:54:12+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Health%20Connect%20-%20Claim%20Form_UIN-LIBHLIP26039V062526_w.e.f_01.07.2025.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526/document/30318"}],"versions":[{"uin":"IRDA/NL-HLT/LVGI/P-H/V.I/61/13-14","version":null,"approved_on":null},{"uin":"LIBHLIP26039V062526","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 Health Connect Policy (UIN LIBHLIP26039V062526), IndiaInsurances, https://indiainsurances.com/policy/liberty-general-insurance/liberty-health-connect-policy-libhlip26039v062526"}