Are maternity expenses covered?

Generally, maternity-related expenses are not covered unless mentioned in the policy terms. Customers should check specific inclusions before purchasing the plan.

Will the plan cover COVID-19 or similar infectious diseases?

Yes, the plan covers COVID-19 and similar illnesses that require hospitalization, as long as the deductible is met and the treatment falls within policy guidelines.

What is the maximum sum insured available?

The plan typically offers high sum insured options, allowing customers to choose extended coverage that protects them from major medical expenses and long hospital stays.

How does a Super Top-up plan work?

The plan becomes active only after your total yearly medical expenses exceed the deductible. After that, it pays for eligible hospitalization and treatment costs up to the chosen sum insured.

Are daycare treatments covered under this plan?

Yes, most medically necessary daycare procedures requiring less than 24-hour hospitalization are covered, provided the deductible has been met during the policy year.

Can I buy this plan if I already have a corporate health insurance policy?

Yes, it works well with corporate plans. You can use the corporate policy to meet the deductible and rely on the Super Top-up for additional protection.

Is the plan available as an individual and family floater option?

Yes, it is available in both formats, allowing you to cover yourself or include your spouse, children, and parents under a single high-value policy.

Do I need a base health insurance policy to buy this plan?

A base policy is not compulsory but highly recommended, as it helps meet the deductible easily and ensures seamless claim settlement for large medical bills.

Are pre-existing diseases covered?

Yes, pre-existing diseases are covered, but only after completing the mandatory waiting period. Coverage is subject to policy terms and medical underwriting requirements.

Can I choose my deductible amount?

Yes, you can select a deductible based on your existing health coverage and budget. Choosing the right deductible helps lower premiums while still ensuring sufficient financial protection.

What is the Liberty Super Top-up Health Insurance Plan?

It is a high-coverage health plan that activates once your medical expenses cross a chosen deductible, providing additional financial protection against large hospitalization bills at an affordable premium.

What is a deductible in this plan?

A deductible is the fixed amount you must first pay through your base health policy or out-of-pocket before the Super Top-up begins covering your treatment expenses.

Does the plan offer cashless treatment?

Yes, after your deductible is crossed, you can avail cashless hospitalization at network hospitals for approved treatments, making the claim process smooth and hassle-free.

What documents are required during the claim process?

You must submit hospital bills, discharge summary, diagnostic reports, prescriptions, ID proof, and base policy details to process the claim smoothly after meeting the deductible.

Why should I buy a Super Top-up instead of increasing my base policy?

A Super Top-up provides significantly higher coverage at a much lower premium, making it a cost-effective way to boost overall protection without paying for expensive base plan upgrades.

Health Insurance

Term Insurance

Blogs

Claims

Tools

Partner with us

OneAssure

Health Insurance

Liberty

Top Up Plan

Liberty Super Top-up Health Insurance Plan

Why is Super Top-Up a Smart Choice?
A Super Top-Up plan gives extra health coverage beyond your base policy for a lower premium, safeguarding you against large medical bills.

Get a Quote

97.30%

Claim Settlement Ratio

5800+

Network Hospitals

15 Days

Freelook Period

10%

Increase in the Basic Cover for Every Claim-free Year

Our Verdict

Our Verdict on Liberty Super Top-up Health Insurance

Pros

Simple claim process with a decent network of hospitals.

High sum insured options suitable for major medical expenses.

Multiple deductible options for flexible customization.

Affordable premiums compared to increasing base health insurance coverage.

Cons

No OPD or wellness benefits included.

Network hospital list can be expanded in a few regions.

Waiting periods could be shorter for specific conditions.

Limited add-on options compared to competitors.

Final Verdict

Liberty Super Top-Up Health Insurance is a strong choice for individuals and families seeking large coverage at a pocket-friendly premium. The plan offers flexibility with various deductible options, allowing you to tailor it based on your existing base policy. Its high sum insured limits and straightforward claim process make it...

Liberty Super Top-Up Health Insurance is a strong choice for individuals and families seeking large coverage at a pocket-friendly premium. The plan offers flexibility with various deductible options, allowing you to tailor it based on...

Liberty Super Top-up Health Insurance Plan

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…always been available to assist with any insurance/claim queries.

Nakul N

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

Super Top Up

Factors to Consider While Buying Liberty Super Top Up Mediclaim Policy

Assess Your Health Needs

Evaluate your age, lifestyle, and medical history to determine the additional coverage required beyond your base health insurance.

Choose an Appropriate Sum Insured

Select a sum insured that can handle major medical expenses while keeping the premiums affordable.

Check Deductible Options

A higher deductible lowers premiums but activates coverage only after your base policy limit is used. Pick a deductible that suits your budget.

Evaluate Hospital Network

Ensure Liberty offers a strong network of cashless hospitals near your home and workplace for convenient access during emergencies.

Review Waiting Periods

Understand waiting periods for pre-existing diseases, specific treatments, and daycare procedures to avoid claim-related surprises.

Consider Add-on Benefits

Explore optional riders like critical illness cover, sum insured restoration, or AYUSH benefits to enhance your plan.

Compare Premiums vs Coverage

Check whether the plan offers sufficient protection at a fair premium compared to regular high-sum insured policies.

Assess Your Health Needs

Evaluate your age, lifestyle, and medical history to determine the additional coverage required beyond your base health insurance.

Choose an Appropriate Sum Insured

Select a sum insured that can handle major medical expenses while keeping the premiums affordable.

Check Deductible Options

A higher deductible lowers premiums but activates coverage only after your base policy limit is used. Pick a deductible that suits your budget.

Evaluate Hospital Network

Ensure Liberty offers a strong network of cashless hospitals near your home and workplace for convenient access during emergencies.

Review Waiting Periods

Understand waiting periods for pre-existing diseases, specific treatments, and daycare procedures to avoid claim-related surprises.

Consider Add-on Benefits

Explore optional riders like critical illness cover, sum insured restoration, or AYUSH benefits to enhance your plan.

Compare Premiums vs Coverage

Check whether the plan offers sufficient protection at a fair premium compared to regular high-sum insured policies.

Super Top Up

Inclusions & Exclusions of Liberty Under Super Top Up Health Insurance Plan

Here are the main coverages included and and exclusions of Liberty health insurance super top up:

Inclusions

Wellness and assistance services.

Emergency coverage abroad (select variants).

Sum insured restoration in eligible plans.

AYUSH inpatient treatments.

Daycare procedures.

Pre- and post-hospitalization expenses.

Inpatient hospitalization (room rent, ICU, doctor fees).

Exclusions

OPD and routine check-up expenses.

Pre-existing diseases during the waiting period.

STD/HIV-related treatments.

Non-recognized treatments.

Cosmetic surgeries (non-medical).

Infertility and sterilization procedures.

Maternity and pregnancy-related treatments.

Inclusions

Wellness and assistance services.

Emergency coverage abroad (select variants).

Sum insured restoration in eligible plans.

AYUSH inpatient treatments.

Daycare procedures.

Pre- and post-hospitalization expenses.

Inpatient hospitalization (room rent, ICU, doctor fees).

Exclusions

OPD and routine check-up expenses.

Pre-existing diseases during the waiting period.

STD/HIV-related treatments.

Non-recognized treatments.

Cosmetic surgeries (non-medical).

Infertility and sterilization procedures.

Maternity and pregnancy-related treatments.

Liberty Super Top-up Health Insurance Plan

Related Health Insurance Plans

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Super Top-up

Claim Process for Liberty Super Top-up Health Insurance Policy

Choose a Network Hospital

Visit any hospital empaneled with Liberty for cashless treatment. If you choose a non-network hospital, you must pay the bills yourself and later file for reimbursement.

Notify Liberty

Emergency Hospitalization: Inform within 24 hours of admission.
Planned Treatment: Intimate at least 3 days in advance to ensure timely approval.

Show Your Card and ID

Present your Liberty health insurance card (digital or physical) along with a valid ID—Aadhaar, PAN, passport, or driving license—at the hospital insurance desk.

Complete the Pre-Authorization

The hospital coordinates with Liberty by sending the pre-authorization request. Review and sign the form before submission.

Claim Assessment & Approval

Liberty evaluates the request, may ask for additional documents if needed, and then provides approval, usually within a few hours.

Treatment & Final Settlement

After discharge, the hospital submits all bills directly to Liberty. Eligible medical expenses are settled by the insurer. You only pay for non-medical or personal costs like registration fees, meals, or consumables.

Super Top Up

How to Renew Liberty Super Top Up Health Insurance Premium

Super Top Up

How to Buy Liberty Super Top Up Health Insurance Plans

1-5 of 7 Steps

Super Top Up

Still Confused? Get Expert Guidance

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

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

FAQs

Frequently Asked Questions

Got questions about health insurance? You're not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.