{"uin":"LIBHLIP27040V012627","name":"Liberty Eternia Health Policy","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627","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":null,"withdrawn_on":null,"summary":"Liberty Eternia Health Policy is a health indemnity policy with individual sum insured and family floater options and policy tenure of 1/2/3 years. It has a 30-day initial waiting period, pre-existing disease waiting period of 36 months or 24 months as per plan, and restoration of the entire sum insured once during the policy period.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:52:47.823613+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The prospectus refers to plans and a benefit schedule, but the named plan variants are not stated in the provided clauses.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Policy tenure is 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-eternia-health-policy-libhlip27040v012627/document/11697#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":"quote-verified","value":"Intimation must be given at least 48 hours before planned hospitalisation and within 24 hours of emergency hospitalisation. For pre-post hospitalisation expenses, claim documents must be submitted within 7 days from completion of treatment or the eligible post-hospitalisation period, whichever is earlier.","display":"48 hours before planned hospitalisation; within 24 hours for emergency; pre-post documents within 7 days","note":null,"quote":"Intimation must be given atleast 48 hours prior to planned hospitalization and within 24 hours of hospitalization in case of emergency hospitalization. In event of any claim for Pre – Post Hospitalization expenses incurred, all claim related documents needs to be submitted within 7 days from the date of completion of treatment or eligible Post Hospitalization period as mentioned in the policy schedule whichever is earlier.","sources":[{"clause":"19(a)","heading":"Notification of claim","page":36,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-a-4"}],"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, original bills/receipts/discharge card, cash memos with prescriptions, test reports, surgeon and doctor bills/certificates, case history, ambulance bills, and additional documents if required","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":"19(c)(i)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-c-i-2"},{"clause":"19(c)(ii)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-c-ii-2"},{"clause":"19(c)(iii)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-c-iii-2"},{"clause":"19(c)(iv)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-c-iv-2"},{"clause":"19(c)(v)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-c-v"},{"clause":"19(c)(vi)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-c-vi"},{"clause":"19(c)(vii)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-c-vii"},{"clause":"19(c)(viii)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-c-viii"},{"clause":"19(c)(ix)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-c-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":"quote-verified","value":"The insurer will pay or reject a claim within 30 days of submission of all necessary documents and required information. If investigation is needed, investigation must be completed not later than 30 days from receipt of the last necessary document and the claim settled within 45 days from receipt of the last necessary document.","display":"Within 30 days of all necessary documents; 45 days from last necessary document if investigation is needed","note":null,"quote":"We shall make the payment of claim that has been admitted as payable by Us under the Policy terms and conditions or reject the claim as per the Policy terms and conditions within 30 days of submission of all necessary documents / information and any other additional information required for the settlement of the claim. However, where the circumstances of a claim warrant an investigation in the opinion of the insurer, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, Insurer shall settle the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"19(e)","heading":null,"page":43,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-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 Disease (PED) and its direct complications until 36 months or 24 months of continuous coverage as per plan","Specified disease/procedure waiting period until 24 months","any illness within 30 days from the first policy commencement date except claims arising due to an accident","admission primarily for diagnostics and evaluation purposes only","admission primarily for enforced bed rest and not for receiving treatment","surgical treatment of obesity that does not fulfil the listed conditions","treatment, including surgical management, to change characteristics of the body to those of the opposite sex","cosmetic or plastic surgery or any treatment to change appearance unless covered exceptions apply","treatment necessitated due to participation as a professional in hazardous or adventure sports","treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Expenses related to sterility and infertility","Medical treatment expenses traceable to childbirth except ectopic pregnancy","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."],"display":"Waiting periods for PED, specified diseases and 30 days; plus diagnostic admission, rest cure, non-eligible obesity surgery, gender-change treatment, cosmetic surgery, professional hazardous sports, breach of law, substance abuse, sterility/infertility, maternity, OPD except covered pre/post, and treatment outside India unless specified","note":null,"quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded as per the Plan mentioned in the Policy schedule i.e. until the expiry of 36 months or 24 months ... Expenses related to the treatment of the listed Conditions; surgeries/treatments shall be excluded until the expiry of below mentioned months ... Two Year (24 months) Waiting Period ... 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 ... Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. ... Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions: ... Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer ... Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and ... Expenses related to sterility and infertility. ... Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy; ... 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.","sources":[{"clause":"Excl01","heading":"Pre- Existing Diseases – Code - Excl01","page":15,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-excl01"},{"clause":"Excl02(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-excl02-a"},{"clause":"Excl02(f)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-excl02-f"},{"clause":"Excl02(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-excl02-a-2"},{"clause":"Excl04","heading":"Investigation & Evaluation – Code-Excl04","page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care- Code- Excl05","page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-excl05"},{"clause":"Excl06","heading":"Obesity/ Weight Control: Code- Excl06","page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-excl06"},{"clause":"Excl07","heading":"Change-of-Gender treatments: Code- Excl07","page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery: Code- Excl08","page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-excl08"},{"clause":"Excl09","heading":"Hazardous or Adventure sports: Code- Excl09","page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-excl09"},{"clause":"11","heading":null,"page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-11"},{"clause":"13","heading":"Treatment for, Alcoholism, drug or substance abuse or any addictive condition and","page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-13"},{"clause":"18","heading":"Sterility and Infertility: Code- Excl17","page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-18"},{"clause":"19(i)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-i"},{"clause":"19(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-ii"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the insurer by toll-free number, email care@libertyinsurance.in or Manager@libertyinsurance.in, or write to Customer Service. If the response is not satisfactory, escalate to ServiceHead@libertyinsurance.in before approaching the Insurance Ombudsman.","display":"Step 1: toll-free/email/write to Customer Service; Step 2: Manager@libertyinsurance.in; Step 3: ServiceHead@libertyinsurance.in","note":null,"quote":"Call us toll free:1800-266-5844 ... Email us: care@libertyinsurance.in ... OR Email us: ... Manager@libertyinsurance.in ... ServiceHead@libertyinsurance.in ... Write to us: Customer Service Liberty General Insurance Ltd. Unit 1501 & 1502, 15th Floor, Tower 2, One International Center, Senapati Bapat Marg, Prabhadevi, Mumbai – 400013 Maharashtra ... In case you are not satisfied with the decision or resolution provided by the company, you may approach the Insurance Ombudsman for redressal.","sources":[{"clause":null,"heading":"Grievance Redressal","page":56,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-grievance-redressal"}],"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 Available: 5L,7.5L,10L,15L,20L,25L,30L,50L,75L,1Cr,2Cr,3Cr, depending on the plan selected.","display":"5L, 7.5L, 10L, 15L, 20L, 25L, 30L, 50L, 75L, 1Cr, 2Cr, 3Cr","note":"The prospectus states the options depend on the plan selected.","quote":"9 Basic Sum Insured Available: 5L,7.5L,10L,15L,20L,25L,30L,50L,75L,1Cr,2Cr,3Cr ... depending on the plan selected","sources":[{"clause":"9","heading":"Basic Sum Insured Available: 5L,7.5L,10L,15L,20L,25L,30L,50L,75L,1Cr,2Cr,3Cr","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-9"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"This exclusion does not apply to accident claims if covered.","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":"Excl02(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-excl02-a-2"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months or 24 months, as per plan","note":"Plan-specific: the prospectus does not identify in these clauses which plan has 36 months and which has 24 months. Optional PED Protector can reduce the waiting period for declared and accepted PED to 1 year or 2 year.","quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded as per the Plan mentioned in the Policy schedule i.e. until the expiry of 36 months or 24 months of continuous coverage after the date of inception of the first policy with Us.","sources":[{"clause":"Excl01","heading":"Pre- Existing Diseases – Code - Excl01","page":15,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-excl01"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"Optional Specific disease waiting period Reduction reduces this from 24 months to 12 months if selected and paid for.","quote":"f) List of specific diseases/procedures S r Two Year (24 months) Waiting Period . N o","sources":[{"clause":"Excl02(f)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-excl02-f"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Cataract","Calculus diseases of Gall bladder and Urogenital system","Benign Prostatic Hypertrophy","Joint Replacement due to Degenerative condition","Hernia","Surgery for prolapsed inter vertebral disc unless arising from accident","Hydrocele","Age related Osteoarthritis and Osteoporosis","Fistula in anus","Spondylosis / Spondylitis","Piles","Surgery of varicose veins and varicose ulcers.","Sinusitis and related disorders","Treatment for correction of eye sight (laser surgery) due to refractive error","Fissure","Surgical Treatment of Obesity","Gastric and Duodenal ulcers","Gout and Rheumatism","Internal tumors, cysts, nodules, polyps , breast lumps (unless malignant)","Hysterectomy/ myomectomy for menorrhagia or fibromyoma or prolapse of uterus","Polycystic ovarian diseases","Skin tumors (unless malignant)","Benign ear, nose and throat (ENT) disorders and surgeries, adenoidectomy,mastoidectomy, tonsillectomy and tympanoplasty","Dilatation and Curettage (D&C); Congenital Internal Diseases"],"display":"Cataract, gall bladder and urogenital calculi, BPH, degenerative joint replacement, hernia, prolapsed intervertebral disc surgery, hydrocele, osteoarthritis/osteoporosis, fistula, spondylosis/spondylitis, piles, varicose veins/ulcers, sinusitis, refractive error laser surgery, fissure, obesity surgery and other listed conditions","note":null,"quote":"Cataract | Calculus diseases of Gall bladder and Urogenital system\nBenign Prostatic Hypertrophy | Joint Replacement due to Degenerative condition,\nHernia | Surgery for prolapsed inter vertebral disc unless arising from accident\nHydrocele | Age related Osteoarthritis and Osteoporosis\nFistula in anus | Spondylosis / Spondylitis\nPiles | Surgery of varicose veins and varicose ulcers.\nSinusitis and related disorders | Treatment for correction of eye sight (laser surgery) due to refractive error\nFissure | Surgical Treatment of Obesity\nGastric and Duodenal ulcers Gout and Rheumatism Internal tumors, cysts, nodules, polyps , breast lumps (unless malignant)\nHysterectomy/ myomectomy for menorrhagia or fibromyoma or prolapse of uterus Polycystic ovarian diseases Skin tumors (unless malignant) Benign ear, nose and throat (ENT) disorders and surgeries, adenoidectomy,mastoidectomy, tonsillectomy and tympanoplasty Dilatation and Curettage (D&C); Congenital Internal Diseases","sources":[{"clause":"Excl02(f)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-excl02-f"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"The moratorium applies to sums insured of the first policy; enhanced sums insured need sixty continuous months from the date of enhancement on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":null,"heading":"Moratorium Period","page":27,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-moratorium-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"not-stated","value":null,"display":null,"note":"The prospectus states portability for shifting to this insurer and continuity credit, but does not state portability out of this policy to another insurer.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, lifelong","note":null,"quote":"Renewability: Lifelong","sources":[{"clause":"4","heading":"Renewability: Lifelong","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#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 states it will not apply any additional premium loading at renewal based on claim experience.","display":"No additional loading at renewal based on claim experience","note":"Risk loading may still be applied based on proposal declarations and health status, subject to stated limits.","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":28,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel at any time during the term by giving 7 days' written notice. For term up to one year, proportionate premium for the unexpired period is refunded if no claim was made; for terms over one year, premium for unexpired policy years whose risk coverage has not commenced is refunded.","display":"7 days' written notice; proportionate refund for unexpired period if no claim, with separate rule for 2/3-year terms","note":"For instalment policies, cancellation is with proportionate premium refund for the unexpired period if no claim was made.","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.","sources":[{"clause":null,"heading":"Cancellation/Termination","page":32,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-cancellation-termination"},{"clause":"19(a)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-a-2"},{"clause":"19(b)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-b-2"}],"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":"Treatment outside India is excluded unless specifically mentioned in the policy schedule. The prospectus also describes an optional Global Cover for emergency medical expenses incurred outside India.","display":"India, unless outside-India treatment is specifically mentioned in the policy schedule; optional global emergency cover available","note":"Global Cover for Emergency Hospitalization is listed under Optional Covers.","quote":"Treatment received outside India unless specifically mentioned in your policy schedule. ... Global Cover for Emergency Hospitalization : 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","sources":[{"clause":"19(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-ii"},{"clause":"9(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-9-c"}],"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 from date of receipt of the policy document","note":"Applicable only for new individual health insurance policies, except policies with tenure of less than a year, and not on renewals.","quote":"The insured person shall be allowed free look period of 30 days from date of receipt of the policy document to review the terms and conditions of the policy.","sources":[{"clause":null,"heading":"Free Look Period","page":43,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-free-look-period"}],"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 for renewal; 15 days for monthly instalments and 30 days for quarterly/half-yearly/annual instalments","note":null,"quote":"Grace Period - Grace Period of 30 days for renewing the Policy is provided under this Policy. ... 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, is available to the policyholder to pay the premium.","sources":[{"clause":null,"heading":"Renewal Benefits","page":32,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-renewal-benefits"},{"clause":"19(d)(i)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-d-i"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age for adults is 18 Years and maximum entry age for adults is No Entry Age Limit. Dependent children can enter from 91 days to 25 years if either parent is insured under the policy.","display":"Adults: 18 Years to No Entry Age Limit; dependent children: 91 days to 25 years","note":null,"quote":"Minimum Entry Age for Adults: 18 Years ... Maximum Entry Age for Adults: No Entry Age Limit ... Entry Age for dependent children: 91 days to 25 years provided either parent is insured under the Policy.","sources":[{"clause":"1","heading":"Minimum Entry Age for Adults: 18 Years","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-1"},{"clause":"2","heading":"Maximum Entry Age for Adults: No Entry Age Limit","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-2"},{"clause":"3","heading":"Entry Age for dependent children","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-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":"If the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly or any other specific frequency as mentioned in the policy Schedule/Certificate of Insurance ... thirty days (where premium is paid in quarterly/half-yearly/annual installments)","sources":[{"clause":null,"heading":"Premium on Installment Basis","page":30,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-premium-on-installment-basis"},{"clause":"19(d)(i)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-d-i"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Cataract Capping Discount","Compassionate Travel","Domestic Travel Plus","Emergency Domestic Medical Evacuation","EMI Protector Benefit for CI","EMI Protector Benefit for prolonged admission","Global Cover for Emergency Hospitalization","Green Channel Benefit","Maternity waiting period reduction","Nursing at Home","OPD cover","Pause the Age","PED Protector","Room Type Modifier","Super Booster","Unlimited Claim","Vector Borne Disease Benefit","Voluntary Co-payment","Voluntary Deductibles"],"display":"Cataract Capping Discount; Compassionate Travel; Domestic Travel Plus; Emergency Domestic Medical Evacuation; EMI Protector; Global Cover; Green Channel Benefit; Maternity waiting period reduction; Nursing at Home; OPD cover; Pause the Age; PED Protector; Room Type Modifier; Super Booster; Unlimited Claim; Vector Borne Disease Benefit; Voluntary Co-payment; Voluntary Deductibles","note":null,"quote":"Optional Covers\n1. Cataract Capping Discount: ... 2. Compassionate Travel: ... 3. Domestic Travel Plus: ... 4. Emergency Domestic Medical Evacuation: ... 5. EMI Protector Benefit for CI : ... 6. EMI Protector Benefit for prolonged admission : ... 7. Global Cover for Emergency Hospitalization : ... 8. Green Channel Benefit : ... 9. Maternity waiting period reduction: ... 10. Nursing at Home: ... 11. OPD cover: ... 12. Pause the Age: ... 13. PED Protector: ... 14. Room Type Modifier: ... 15. Super Booster: ... 16. Unlimited Claim: ... 17. Vector Borne Disease Benefit: ... 18. Voluntary Co-payment: ... 19. Voluntary Deductibles:","sources":[{"clause":"9(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-9-c"}],"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 available during the grace period for instalment premium payments during the policy period. For renewal grace period, coverage is not available during the grace period, although renewal within 30 days maintains continuity of benefits without break in policy.","display":"Instalment grace: coverage available; renewal grace: coverage not available","note":null,"quote":"If the premium is paid in instalments during the policy period, coverage will be available for the grace period also. ... At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy. Coverage is not available during the grace period .","sources":[{"clause":"19(d)(ii)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-d-ii"},{"clause":"19(c)(iv)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-c-iv"}],"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":"For 2 Hour Hospitalisation, room rent charges are covered up to Single Private AC room. The provided clauses do not state a rupee per-day room rent limit for ordinary in-patient treatment.","display":"Up to Single Private AC room for 2 Hour Hospitalisation; no rupee per-day limit stated","note":"The plan benefit schedule is referenced but not included in the provided clauses.","quote":"2 Hour Hospitalisation - We will cover the following Medical Expenses incurred in respect of Hospitalization of the Insured Person for 2 hours or more ... up to the Annual Sum Insured ... i. Room Rent charges up to Single Private AC room;","sources":[{"clause":"9(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-9-c"}],"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":"For 2 Hour Hospitalisation, the allowed room category is Single Private AC room. The optional Room Type Modifier can modify room rent eligibility to twin sharing room.","display":"Single Private AC room; optional Room Type Modifier to twin sharing room","note":"The twin sharing room term applies only if the optional Room Type Modifier is selected.","quote":"Room Rent charges up to Single Private AC room; ... Room Type Modifier: This Cover will be provide you option to modify the room rent eligibility to twin sharing room.","sources":[{"clause":"9(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-9-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":"Intensive Care Unit bed charges are covered under in-patient treatment. For 2 Hour Hospitalisation, ICU charges are covered up to the Annual Sum Insured; no separate daily ICU sub-limit is stated in the provided clauses.","display":"ICU charges covered; no separate daily ICU limit stated","note":null,"quote":"In-Patient Treatment - Covers hospitalization expenses due to any Illness or Injury towards Room, Boarding expenses, Intensive Care Unit bed charges ... 2 Hour Hospitalisation - We will cover the following Medical Expenses incurred ... up to the Annual Sum Insured ... ii. Intensive Care Unit Charges;","sources":[{"clause":"9(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-9-a"},{"clause":"9(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-9-c"}],"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":"not-stated","value":null,"display":null,"note":"The provided clauses do not state whether associated charges are reduced proportionately when a higher room category is chosen.","quote":null,"sources":[],"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":"quote-verified","value":"For all admissible claims in non-network hospitals, the insured bears 10% of the admissible claim. For insured persons above 60 years, a 10% co-pay applies on all admissible claims irrespective of network or non-network hospital; an optional voluntary co-payment of 5%, 10%, 15% or 20% can also be selected.","display":"10% in non-network hospitals; 10% for insured above 60 years for all admissible claims; optional 5%, 10%, 15% or 20%","note":"Compulsory co-payment availability is as per plan opted and specified in the policy schedule.","quote":"Compulsory Co-Payment : a. For all admissible claims in non-network hospitals, Insured shall bear 10% of the admissible claim and b. in respect of Insured above 60 years, a 10% co-pay will be applied on all admissible claims irrespective of network/non-network hospital. ... Voluntary Co-payment: Depending on the percentage of Co-pay opted, each and every claim under the Policy shall be subject to a Copayment of 5%, 10%,15% or 20%","sources":[{"clause":"9(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-9-c"}],"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 base deductible amount is stated in the provided clauses for the main indemnity cover. The insured person can choose an optional Voluntary Deductible for a premium discount.","display":"No base deductible amount stated; optional Voluntary Deductibles available","note":"A separate deductible of the first 48 hours applies to Hospital Daily Cash Allowance, not to the main hospital bill indemnity cover.","quote":"Voluntary Deductibles: The Insured Person can choose Voluntary Deductible and avail subsequent discount on premium as per selected plan.","sources":[{"clause":"9(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-9-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":"not-stated","value":null,"display":null,"note":"The prospectus says sub-limits apply to listed surgeries or procedures as stated in an annexure attached to the policy, but the actual named caps and limits are not stated in the provided clauses.","quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":"The clause says pre-hospitalisation expenses are covered for the number of days specified under the Benefit Schedule, but the number of days is not stated in the provided clauses.","quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":"The clause says post-hospitalisation expenses are covered for the number of days specified under the Benefit Schedule, but the number of days is not stated in the provided clauses.","quote":null,"sources":[],"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 procedure/treatment is covered when the procedure 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 prospectus includes a list of day care procedures and says it can include other day care procedures or surgery or treatment meeting the stated requirement.","display":"Covered for inpatient treatment under 24 hours in a hospital or standalone day care center, not OPD; listed procedures and other eligible day care procedures can be included","note":null,"quote":"Day Care Procedure/Treatment - 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 Person as an inpatient for less than 24 hours","sources":[{"clause":"9(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-9-b"},{"clause":"19(g)(iii)","heading":null,"page":43,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-g-iii"}],"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 treatment at home in India is covered up to 10% of the Basic Sum Insured for a policy year.","display":"Covered at home in India, limited to 10% of Basic Sum Insured per policy year","note":null,"quote":"Domiciliary Hospitalisation Treatment -The Company will indemnify medical expenses incurred 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":"9(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-9-c"}],"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 under Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy is covered up to the Basic Sum Insured if hospitalisation is for at least 24 hours, not only evaluation/investigation, treatment is availed in India, and the hospital/institute meets the stated recognition conditions.","display":"Covered up to Basic Sum Insured for at least 24 hours in India","note":null,"quote":"AYUSH Treatment - The Company will indemnify Reasonable and Customary charges up to the Basic Sum Insured mentioned in the Policy Schedule, towards Medical Expenses incurred for the inpatient hospitalization treatment taken under Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy provided that the hospitalization is for minimum 24 hours and is not for evaluation and/or investigation purpose only and treatment is availed in India","sources":[{"clause":"9(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-9-c"}],"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":"Technological Advancements (Modern Surgeries) are covered up to the Annual Sum Insured for listed technological advancements and treatments during the policy period.","display":"Covered up to Annual Sum Insured for listed Technological Advancements and Treatments","note":"The actual list of modern treatments is not included in the provided clauses.","quote":"Technological Advancements (Modern Surgeries) : We will cover the Medical Expenses incurred in respect of Hospitalization of the Insured Person for the listed Technological Advancements and Treatments during the Policy Period, up to the Annual Sum Insured.","sources":[{"clause":"9(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-9-c"}],"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 expenses are covered for the organ donor’s screening and treatment for harvesting of the donated organ.","display":"Covered for organ donor’s screening and treatment for harvesting of the donated organ","note":null,"quote":"Organ Donor Expenses: Covers expenses incurred towards organ donor’s screening & treatment for harvesting of the organ donated.","sources":[{"clause":"9(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-9-c"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Emergency local road ambulance charges are covered for transfer of the insured person to the nearest hospital having adequate emergency facilities. Emergency Domestic Medical Evacuation is an optional cover for air ambulance expenses up to the Basic Sum Insured.","display":"Road ambulance covered to nearest adequate emergency hospital; optional air ambulance up to Basic Sum Insured","note":"Air ambulance is listed under Optional Covers.","quote":"Emergency Local Road Ambulance Charges: Covers expenses incurred towards transfer of Insured Person to nearest Hospital having adequate emergency facilities. ... Emergency Domestic Medical Evacuation: Expenses towards Air Ambulance covered upto Basic Sum Insured","sources":[{"clause":"9(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-9-c"}],"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":"If the Basic Sum Insured is exhausted due to claims made and paid or accepted as payable during the policy period, the insurer restores the entire Sum Insured once during the policy period. The restored amount is for future claims not related to the illness/injury for which the claim was made in the same year, and unused restored sum insured cannot be carried forward.","display":"Entire Sum Insured restored once per policy period; only for future unrelated claims; no carry forward","note":null,"quote":"Restoration of Sum Insured: If the Basic Sum Insured is exhausted due to claims made and paid during the Policy Period or made during the Policy Period and accepted as payable, then we will restore the entire Sum Insured once during the Policy Period. This restored amount can be used for future claims, not related to the Illness/Injury for which the claim has been made during the same year. Any unutilized restored Sum Insured cannot be carried forward to any subsequent Policy Period.","sources":[{"clause":"9(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-9-c"}],"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":"The prospectus states a Cumulative Bonus as per plan over the expiring or renewed Annual Sum Insured, irrespective of a claim, if continuously renewed. It also states a Loyalty Perk of 10% auto increase in Sum Insured for every claim-free year up to a maximum of 100% if renewed without a break, with an option to take renewal premium discount instead.","display":"Cumulative Bonus as per plan irrespective of claim; Loyalty Perk 10% for every claim-free year up to 100%","note":"The plan-specific Cumulative Bonus percentage is not stated in the provided clauses.","quote":"Cumulative Bonus: We will provide a Cumulative Bonus as per the plan opted over the expiring or renewed Annual Sum Insured (whichever is lower) at the end of each Policy Year irrespective of a claim being initiated in the Policy Year, provided that the Policy has been continuously renewed with the Company. ... Loyalty Perk: Auto increase in Sum Insured by 10% for every claim free year up to maximum of 100% if the Policy is renewed without any break ... Discount on Renewal- Option to avail Renewal premium discount in lieu of increase in Sum Insured","sources":[{"clause":null,"heading":"Renewal Features","page":13,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-renewal-features"},{"clause":null,"heading":"Renewal Benefits","page":32,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-renewal-benefits"}],"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 policy excludes the standard list of excluded items. If the optional Zero deduct cover is selected, it indemnifies reasonable and customary charges for excluded non-medical expenses mentioned in the policy annexure, subject to a valid in-patient claim.","display":"Base excludes standard list of excluded items; optional Zero deduct cover pays non-medical expenses","note":"Zero deduct cover is an optional cover.","quote":"The Policy - excludes the Standard List of excluded items - attached in the Policy document. ... Zero deduct cover: This benefit will indemnify the Reasonable and customary charges of excluded expenses towards ‘Non-medical expenses’ as mentioned in the Annexure-A of the Policy, subject to a valid claim being admissible under Part II 1.a (In-patient Treatment Expenses) of the Policy.","sources":[{"clause":"19(d)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-d-2"},{"clause":"9(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-9-c"}],"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 Cover is provided only if opted by payment of additional premium or if specified in the policy schedule as per the selected plan. The sum insured is up to the limits in the policy schedule; optional maternity waiting period reduction can reduce the waiting period from 24 months to 12 months.","display":"Optional/as per plan; limit as in Policy Schedule; waiting period 24 months reducible to 12 months by optional cover","note":null,"quote":"Maternity Cover : This Cover will be provided only if You have opted for the Maternity Cover by payment of additional premium or as specified in the policy schedule as per the selected plan. The Sum Insured opted under this cover is applicable up to the limits as stated in the Policy Schedule. ... Maternity waiting period reduction: If the Insured Person has opted for this Optional Cover, the waiting period applicable under the - Maternity Cover shall be reduced from 24 months to 12 months.","sources":[{"clause":"9(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-9-c"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"Newborn Day One Cover covers medical expenses on hospitalisation of a newborn baby from day one of birth during each policy year, subject to the maximum limit up to the maternity sum insured. This limit is over and above the maternity sum insured but within the base sum insured.","display":"Newborn hospitalisation covered from day one of birth, up to maternity sum insured and within base sum insured","note":null,"quote":"Newborn Day One Cover : We will cover the Medical Expenses incurred by the Insured Person on Hospitalization of a “New born Baby” from day one of birth during each Policy Year of Policy Period subject to the maximum limit upto the maternity sum Insured. This limit is over and above the maternity sum insured however within the base sum insured.","sources":[{"clause":"9(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-9-c"}],"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":"The provided clauses do not specifically state cover for in-patient treatment of mental illness.","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":"quote-verified","value":"Depending on the plan selected, members above 18 years are entitled to a cashless health check-up at empaneled diagnostic centers after every 2 years or 1 year of continuous yearly renewal with the insurer, irrespective of claims history.","display":"Cashless health check-up after every 2 years/1 year of continuous yearly renewal, depending on plan","note":null,"quote":"Health check on cashless basis: Depending on the plan selected, all members covered under the Policy above 18 years of age is/are entitled to a health check-up on cashless basis, at our empaneled diagnostic centers after a block of every 2 years/1year of continuous yearly Policy renewal with Us irrespective of the claims history.","sources":[{"clause":null,"heading":"Renewal Benefits","page":32,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-renewal-benefits"}],"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 cover is an optional cover for expenses related to consultations, relevant lab investigation and pharmacy on the advice of a medical practitioner, up to limits specified in policy wordings. Otherwise, OPD treatment is excluded except covered pre and post-hospitalisation.","display":"Optional OPD for consultations, lab investigation and pharmacy up to policy wording limits; base OPD excluded except pre/post hospitalisation","note":"OPD cover is listed under Optional Covers.","quote":"OPD cover: We will pay for the expenses related to consultations, relevant Lab investigation and pharmacy on advice of a medical practitioner up to limits specified in policy wordings. ... Any OPD treatment except pre and post – hospitalization as covered under Scope of the Policy.","sources":[{"clause":"9(c)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-9-c"},{"clause":"19(ii)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-ii"}],"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":"The provided clauses do not state zone or city-based premium or treatment-city co-pay.","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 may be provided at a Network Hospital, either directly or through the TPA, by issuing a pre-authorisation letter so hospitalisation expenses are paid directly by the company or through the TPA. Cashless facility is not available in non-network hospitals.","display":"Cashless at Network Hospitals, directly or through TPA; not available in Non-network Hospital","note":null,"quote":"The company may provide Cashless facility for Hospitalisation expenses either directly or through the TPA if treatment is undergone at a Network Hospital by issuing Pre- Authorisation letter to the health care service provider. ... hospitalization expenses shall be paid directly by the Company/ through the TPA as confirmed in the Pre-Authorisation. ... Cashless facility will not be available in Non-network Hospital","sources":[{"clause":"19(b)(i)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-b-i"},{"clause":"19(b)(iii)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-b-iii"},{"clause":"19(b)(iv)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-b-iv"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims may be handled by the company directly or through the TPA; the claim notification clause also refers to the TPA named in the policy/health card or the company.","display":"Company directly or through the 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":"19(a)","heading":"Notification of claim","page":36,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-a-4"},{"clause":"19(b)(i)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-19-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":"Yes, Family Floater Sum Insured basis","note":null,"quote":"Options: Individual Sum Insured basis and Family Floater Sum Insured basis","sources":[{"clause":"6","heading":"Options: Individual Sum Insured basis and Family Floater Sum Insured basis","page":1,"url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697#c-6"}],"law":[]}],"documents":[{"kind":"wording","label":"Liberty Eternia Health Policy - Policy Wordings (UIN - LIBHLIP27041V022627) (Effective from 26.08.2026)","pages":77,"fetched_at":"2026-10-17 19:57:44+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Eternia%20Health%20Policy%20-%20Policy%20Wordings%20(UIN%20-%20LIBHLIP27041V022627)%20(Effective%20from%2026.08.2026).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11735"},{"kind":"prospectus","label":"Liberty Eternia Health Policy - Prospectus (UIN - LIBHLIP27040V012627) (Effective from 15.04.2026)","pages":58,"fetched_at":"2026-10-17 19:55:30+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Eternia%20Health%20Policy%20-%20Prospectus%20(UIN%20-%20LIBHLIP27040V012627)%20(Effective%20from%2015.04.2026).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11697"},{"kind":"prospectus","label":"Liberty Eternia Health Policy - Prospectus (UIN - LIBHLIP27041V022627) (Effective from 26.08.2026)","pages":58,"fetched_at":"2026-10-17 19:55:22+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Eternia%20Health%20Policy%20-%20Prospectus%20(UIN%20-%20LIBHLIP27041V022627)%20(Effective%20from%2026.08.2026).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11702"},{"kind":"cis","label":"Liberty Eternia Health Policy - CIS (UIN - LIBHLIP27041V022627) (Effective from 26.08.2026)","pages":8,"fetched_at":"2026-10-17 19:47:06+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Eternia%20Health%20Policy%20-%20CIS%20(UIN%20-%20LIBHLIP27041V022627)%20(Effective%20from%2026.08.2026).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11579"},{"kind":"brochure","label":"Liberty Eternia Health Policy-Brochure with Rate Chart (UIN - LIBHLIP27041V022627) (Effective from 26.08.2026)","pages":10,"fetched_at":"2026-10-17 19:44:42+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Eternia%20Health%20Policy-Brochure%20with%20Rate%20Chart%20(UIN%20-%20LIBHLIP27041V022627)%20(Effective%20from%2026.08.2026).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/11544"},{"kind":"premium","label":"Liberty Eternia Health Policy-Premium Chart (UIN - LIBHLIP27041V022627) (Effective from 26.08.2026)","pages":null,"fetched_at":"2026-10-17 19:44:02+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Eternia%20Health%20Policy-Premium%20Chart%20(UIN%20-%20LIBHLIP27041V022627)%20(Effective%20from%2026.08.2026).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/30294"},{"kind":"proposal","label":"Liberty Eternia Health Policy - Proposal Form (UIN - LIBHLIP27041V022627) (Effective from 26.08.2026)","pages":null,"fetched_at":"2026-10-17 19:56:08+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Eternia%20Health%20Policy%20-%20Proposal%20Form%20(UIN%20-%20LIBHLIP27041V022627)%20(Effective%20from%2026.08.2026).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/30325"},{"kind":"claim-form","label":"Liberty Eternia Health Policy - Claim Form (UIN -LIBHLIP27040V012627) (Effective from 15.04.2026)","pages":null,"fetched_at":"2026-10-17 19:52:20+00","source_url":"https://www.libertyinsurance.in/Docx/Liberty%20Eternia%20Health%20Policy%20-%20Claim%20Form%20(UIN%20-LIBHLIP27040V012627)%20(Effective%20from%2015.04.2026).pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627/document/30314"}],"versions":[{"uin":"LIBHLIP27041V022627","version":null,"approved_on":null},{"uin":"LIBHLIP27040V012627","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 Eternia Health Policy (UIN LIBHLIP27040V012627), IndiaInsurances, https://indiainsurances.com/policy/liberty-general-insurance/liberty-eternia-health-policy-libhlip27040v012627"}