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Insurance Plans Comparison

Liberty Health Connect Elite vs Care Freedom

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Liberty

Health Connect Elite

Maximum Coverage at Minimum Premium

What Makes It Special:

Secure Health Connect is a comprehensive health insurance plan offering hospitalisation coverage, cumulative bonus benefits, reload of Sum Insured, cashless treatment and flexible plan options.

Best For:

  • Policyholders looking for lifelong renewal options.

  • Families wanting cashless treatment across network hospitals.

  • Customers looking for cumulative bonus benefits.

  • Individuals seeking flexible Sum Insured options.

  • Families looking for comprehensive health insurance coverage.

VS
Care

Freedom

Health Coverage for Diabetes, Hypertension, and High BMI with Short 2-Year PED Waiting Period

What Makes It Special:

Care Freedom provides health insurance coverage without pre-policy medical check-ups for individuals managing Diabetes, High Blood Pressure, or high BMI.

Best For:

  • Buyers wanting consumable daily allowance

  • Families looking for annual health check-ups.

  • Individuals seeking health insurance without undergoing pre-policy medical screening.

  • Customer is looking for a short two year PED waiting period

  • Buyers managing diabetes, hypertension, or elevated BMI.

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

Liberty Health Connect Elite

  • Check the plan-specific room rent, co-payment and disease-wise sub-limits before buying.

  • Check the applicable waiting periods for pre-existing diseases and specified treatments.

  • Consider it if you want cumulative bonus benefits for claim-free years.

  • Consider it if you want a reload of Sum Insured from the first claim.

  • Consider the plan if you want flexible 1, 2 or 3-year policy terms.

Care Freedom

  • Co-payment provisions applied based on age

  • In-built, one time, automatic sum insured recharge

  • Includes annual health checkups for all covered adult member.

  • Requires no pre-policy medical checkup across all ages and sum insured choices.

  • Features are reduced 24 months waiting period for pre-existing diseases.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Connect Elite
Health Connect Elite

Health Insurance Plan

Brochure

Policy Wording

VS
Freedom
Freedom

Health Insurance Plan

Policy Wording

Room Rent

Health Connect Elite

Subject to selected plan limits

VS

Freedom

For ₹3 lakh and ₹5 lakh sum insured options, room rent is restricted to twin-sharing accommodation, subject to the applicable limit. For ₹7 lakh and ₹10 lakh options, single private room is covered.

ICU Charges

Health Connect Elite

Covered as per selected plan

VS

Freedom

ICU charges are covered up to 2% of the sum insured per day for ₹3 lakh sum insured, while there is no limit for ₹5 lakh, ₹7 lakh and ₹10 lakh sum insured options.

Co-payment

Health Connect Elite

Applicable as per selected plan

VS

Freedom

20% co-payment is applicable per claim. An additional 10% co-payment applies from the policy year following the insured person attaining 71 years of age, subject to the policy terms.

Disease-wise sublimits

Health Connect Elite

Applicable as per selected plan

VS

Freedom

Yes. Sublimits apply to specified treatments including cataract, total knee replacement, hernia, hysterectomy, BPH, renal stones, cardiovascular and cerebrovascular disorders, cancer, other renal complications and bone fractures.

Cashless Healthcare Providers

Health Connect Elite

6,100+ network hospitals available

VS

Freedom

11,600+ cashless network hospitals are available across India.

Restoration Benefit

Health Connect Elite

Reload available from first claim

VS

Freedom

Yes, the base sum insured is automatically recharged by 100% upon exhaustion, subject to the policy terms. The recharged sum insured can be used for future claims.

Cumulative Bonus

Health Connect Elite

Up to 150% of Sum Insured

VS

Freedom

No cumulative bonus is available.

Daycare Treatment

Health Connect Elite

405 daycare procedures covered

VS

Freedom

Covers all eligible Day Care Procedures up to the sum insured.

Consumable Cover

Health Connect Elite

Not specified in the brochure

VS

Freedom

Consumable allowance is available at ₹750 per day for ₹3 lakh and ₹5 lakh sum insured options, subject to a maximum of 7 days per hospitalisation after 3 days.

AYUSH Treatment

Health Connect Elite

Not specified in the brochure

VS

Freedom

Covers AYUSH treatment expenses up to the sum insured during the policy period.

Initial Waiting Period

Health Connect Elite

30 days from policy commencement

VS

Freedom

30 days for all illnesses, except accidental injuries.

Specific Waiting Period

Health Connect Elite

2 years or 3 years

VS

Freedom

2 years for specified named ailments.

PED Waiting Period

Health Connect Elite

3 years for pre-existing diseases

VS

Freedom

2 years for pre-existing diseases.

Modern Treatment

Health Connect Elite

Covered as per selected plan

VS

Freedom

Coverage for treatment using specified advanced technology methods is not available under the plan.

Annual Health Checkup

Health Connect Elite

Available as per plan conditions

VS

Freedom

Annual health checkup is available for all adult members insured under the policy.

Pre-Hospitalisation

Health Connect Elite

Up to 30 to 45 days

VS

Freedom

Pre-hospitalisation expenses are covered subject to the applicable limit of 7.5% or 10% of payable hospitalisation expenses, depending on the plan option.

Post-Hospitalisation

Health Connect Elite

Up to 45 to 60 days

VS

Freedom



Outpatient Department Cover (OPD Expense)

Health Connect Elite

Not covered under the policy

VS

Freedom

OPD expense is not included in the base plan.

Deductible Option

Health Connect Elite

Not specified in the brochure

VS

Freedom

Not available as a standard deductible option.

Coverage Options

Health Connect Elite

₹2 Lakh to ₹15 Lakh

VS

Freedom

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L.

Claim Settlement Ratio

Health Connect Elite

Not specified in the brochure

VS

Freedom

96.3% for the period April 2025 to December 2025.

Maternity Cover

Health Connect Elite

Not covered except ectopic pregnancy

VS

Freedom

Not available.

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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