What are the popular health insurance plans offered by Liberty?

Some well-known plans include Health Connect, HealthPrime Connect, Connect Supra (Top-up & Super Top-up), Critical Illness, and Personal Accident plans.

Who can buy a Liberty health insurance plan?

Any individual between 18 and 65 years can buy a policy. Children as young as 91 days can also be covered under family plans.

What is the maximum sum insured available?

Depending on the plan, Liberty offers coverage ranging from ₹2 lakh up to ₹1 crore or even unlimited cover in certain variants.

Does Liberty cover pre-existing diseases?

Yes, but usually after a waiting period of 2 to 4 years. Some plans like Connect Supra may provide coverage from day one.

What is the waiting period in Liberty Health Insurance

The initial waiting period is 30 days for most illnesses. For pre-existing diseases, it can range from 2 to 4 years, depending on the plan.

Does Liberty Health Insurance cover AYUSH treatments?

Yes, Liberty covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) treatments in recognized hospitals.

Can senior citizens buy Liberty health insurance?

Yes, Liberty offers specific plans for senior citizens and parents with higher sum insured and special benefits.

What is a Top-up or Super Top-up plan?

These plans act as an extra layer of coverage if your hospital bills go beyond your base insurance. They are cost-effective ways to increase cover.

What is a deductible in Liberty Connect Supra?

A deductible is the minimum bill amount you pay before the insurance starts covering costs. For example, if your deductible is ₹5 lakh, the plan pays for expenses above ₹5 lakh.

What is the difference between individual and family floater plans?

Individual plans cover only one person, while family floater plans cover your entire family under a single sum insured.

Does Liberty offer cashless hospitalization?

Yes, Liberty has a network of over 10,000+ hospitals where you can avail cashless treatment.

What is the claim settlement ratio of Liberty Insurance?

Liberty has a claim settlement ratio of over 92%, showing its reliability in paying claims.

Does Liberty provide maternity coverage?

Yes, some Liberty plans cover maternity expenses after a waiting period, including newborn care.

What is covered under critical illness insurance?

It provides a lump sum payout if you are diagnosed with serious illnesses like cancer, heart attack, kidney failure, or stroke.

Are organ donor expenses covered?

Yes, Liberty covers both the insured person’s transplant costs and the donor’s medical expenses.

Can NRIs buy Liberty health insurance?

Yes, NRIs can purchase Liberty health plans, but treatment benefits are generally available in India unless global coverage is chosen.

Does Liberty provide a no-claim bonus?

Yes, Liberty rewards you with a bonus by increasing your sum insured if you don’t make any claims in a year.

How can I file a claim with Liberty?

You can file a claim online, through the Liberty customer care helpline, or directly at the hospital for cashless treatment.

Why should I choose Liberty over other insurers?

Liberty offers affordable premiums, flexible plan options, wide hospital networks, quick cashless claims (in about 30 minutes), and customer-friendly services.

What is Liberty Health Insurance?

Liberty Health Insurance provides financial cover for medical expenses like hospitalization, surgeries, and treatments, so you don’t have to spend heavily from your own pocket.

OneAssure

Health Insurance

Liberty

Liberty Health Insurance

Liberty General Insurance is a private general insurer that began operations in 2013 under the Liberty Mutual trade logo. Its health range includes Health Connect, Secure Health Connect, HealthPrime Connect and the Health Connect Supra top-up, with cashless treatment at 5,000+ hospitals.

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97.3%

Claim Settlement Ratio

5,800+

Network Hospitals

8.12

Insurer Rating

Liberty Health Insurance

Our expert review on Liberty General Insurance

Liberty's health range is compact but practical. Health Connect comes in five variants from ₹2 lakh to ₹40 lakh with no room rent capping, HealthPrime Connect goes up to ₹1 crore with no co-pay, no sub-limits and 100% restoration, and Health Connect Supra adds top-up cover up to ₹1 crore with global coverage. Claims are fast, with 97.91% of paid claims settled within three months in FY2024-25, and the policy wording commits to 1-hour pre-authorisation and 3-hour final approval. The watch-points are a smaller network of 5,000+ hospitals, disease-wise sub-limits and a 10% co-pay in Secure Health Connect, a high ICR of 92.99% and an anomalous FY2025-26 CSR figure, so we show the FY2024-25 CSR instead.

What We Like

Health Connect Supra adds top-up cover up to ₹1 crore with global coverage.

97.91% of paid claims settled within three months in FY2024-25.

HealthPrime Connect has no co-pay, no sub-limits and 100% restoration.

No room rent capping in Health Connect.

Written turnaround of 1 hour for pre-authorisation and 3 hours for final approval.

Areas of Improvement

Network figures differ across its pages, 5,000+ and 6,000+.

The FY2025-26 CSR figure for Liberty is above 100%, so recent claims performance is hard to read.

High health ICR of 92.99% in FY2024-25.

Secure Health Connect has disease-wise sub-limits and a 10% co-pay at non-network hospitals and for insured above 60.

Smaller network of about 5,000 hospitals.

Final Verdict

A solid, value-for-money choice for families and individuals seeking flexible coverage with reliable claim support. With a strong hospital network, cashless claim service, and added benefits like health check-ups and AYUSH cover, it ensures dependable long-term protection. By keeping the customers satisfied, providing affordable premiums, and administering easy claim processes,...

A solid, value-for-money choice for families and individuals seeking flexible coverage with reliable claim support. With a strong hospital network, cashless claim service, and added benefits like health check-ups and AYUSH cover, it ensures dependable...

Liberty Health Insurance

About Liberty

Liberty Health Insurance

Liberty Rating

Insurer Rating

8.12

out of 10

Layer 1 - OA Philosophy (70%)

CSR 3Y Average

97%

Network Hospitals

2500

Solvency Ratio

1.76

Complaints

0.01%

Layer 2 - Customer Features (30%)

Claims Support

3.5/5

Digital App Experience

3.5/5

Liberty Health Insurance

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

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

Mumbai, Maharashtra

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

Mumbai, Maharashtra

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

Bengaluru, Karnataka

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

Jaipur, Rajasthan

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

West Bengal

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

Mumbai

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

Thane, Maharashtra

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

West Bengal

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

Mumbai, Maharashtra

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Liberty Health Insurance

Pros and Cons

Pros

Access to 5,800+ network hospitals across India.
Comprehensive Coverage – Hospitalization, surgeries, doctor fees, and post-treatment care.
Pre- & Post-hospitalization expenses covered
Emergency Ambulance services covered.
Covers treatments not requiring 24-hour hospitalization.
Promotes preventive healthcare.
Loyalty bonus for claim-free years

Cons

Waiting periods: 30 days (general), 2–3 years (specific/pre-existing conditions)
Sub-limits & exclusions apply (room rent, cosmetic, infertility, etc.)
Limited OPD coverage
Premiums increase with age
Claim-free bonus lost if you file a claim

Liberty Health Insurance

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Our experts offer personalised recommendations tailored to your age, family size, and health profile, ensuring you select the ideal coverage

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Liberty Types

Individual Health Insurance

This plan covers the medical expenses of a single person. It is best if you want health cover just for yourself.

Family Floater Health Insurance

This plan covers the entire family under one shared sum insured. Any family member can use the amount when needed.

Critical Illness Insurance

If diagnosed with a major illness like cancer, kidney failure, or heart disease, this plan pays a one-time lump sum. The money can be used for treatment or other urgent needs.

Group Health Insurance

Usually purchased by companies for their employees, this plan covers many people together under one policy. It is cost-effective for employers and ensures employees feel secure.

Top-up and Super Top-up Plans

These act as extra protection if hospital bills exceed the limit of your main health policy.

Senior Citizen Plans

These plans are made for older people who often need more medical care. They help reduce the financial stress of high hospital bills.

Corporate and Startup Insurance

Tailored for businesses and startups, these plans give health coverage to employees as a benefit. It shows care for staff while keeping costs manageable for the company.

Personal Accident Insurance

This plan provides financial help if you meet with an accident. It covers hospitalization expenses and other accident-related costs.

Individual Health Insurance

This plan covers the medical expenses of a single person. It is best if you want health cover just for yourself.

Family Floater Health Insurance

This plan covers the entire family under one shared sum insured. Any family member can use the amount when needed.

Critical Illness Insurance

If diagnosed with a major illness like cancer, kidney failure, or heart disease, this plan pays a one-time lump sum. The money can be used for treatment or other urgent needs.

Group Health Insurance

Usually purchased by companies for their employees, this plan covers many people together under one policy. It is cost-effective for employers and ensures employees feel secure.

Top-up and Super Top-up Plans

These act as extra protection if hospital bills exceed the limit of your main health policy.

Senior Citizen Plans

These plans are made for older people who often need more medical care. They help reduce the financial stress of high hospital bills.

Corporate and Startup Insurance

Tailored for businesses and startups, these plans give health coverage to employees as a benefit. It shows care for staff while keeping costs manageable for the company.

Personal Accident Insurance

This plan provides financial help if you meet with an accident. It covers hospitalization expenses and other accident-related costs.

Documents Required

ID Proof

Identity document of any kind (preferably government-issued) like Aadhaar Card, PAN Card, or Passport.

Address Proof

Documents that reflect your current address; for instance, Utility Bills (electricity, water, gas), Voter ID, or Passport.

Age Proof

Documents for the purpose of age verification, such as Birth Certificate or Driving License.

Recent Passport

Size Photographs – Generally, 2–3 photos of the policyholder are required.

Income Proof (if necessary)

You may be asked for salary slips, bank statements, or income certificates if you want to take a high coverage plan.

ID Proof

Identity document of any kind (preferably government-issued) like Aadhaar Card, PAN Card, or Passport.

Address Proof

Documents that reflect your current address; for instance, Utility Bills (electricity, water, gas), Voter ID, or Passport.

Age Proof

Documents for the purpose of age verification, such as Birth Certificate or Driving License.

Recent Passport

Size Photographs – Generally, 2–3 photos of the policyholder are required.

Income Proof (if necessary)

You may be asked for salary slips, bank statements, or income certificates if you want to take a high coverage plan.

Liberty Health Insurance

Claim Settlement Process

Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences

Choose a Network Hospital

Select a hospital with which Liberty Health Insurance has a tie-up. Using the insurer’s website, app, or a call to OneAssure you may get help in finding a hospital. In a non-network hospital, you will have to pay first and then get your money back through a claim.

Inform OneAssure About Your Hospitalisation

In the case of an emergency, inform OneAssure within 48 hours. Planned treatments must be informed at least 3 days before. OneAssure acts as a liaison between the hospital and Liberty for your claim to get approved on time.

Carry Your Card and ID

Whether it’s the insurance or TPA desk, show them your health insurance card or digital policy on your phone, and a valid photo ID (Aadhaar, PAN, voter ID, or passport).

Fill the Pre-Authorization Form

Some details such as your disease, treatment, and estimated cost will be mentioned in the pre-authorization form that the hospital staff will give to you. Usually, they do it for you, so your job is to check and sign it. OneAssure forwards it to Liberty for their consent.

Wait for Approval

Liberty evaluates whether your treatment is within the ambit of the policy or not. Approval is sent usually in 2–4 hours. However, in the case of an emergency, it may be done earlier.

Treatment and Bill Settlement

Once you have been treated, the hospital will prepare and send a detailed bill to Liberty. The amount of money that has been approved will be paid by a direct transaction. Out of your own pocket, you only give money for things that are not included in the coverage such as toiletries, or food.

Liberty Network Hospitals

5,800+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

5,800+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

Liberty Health Insurance

Features Comparison

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

Liberty Health Insurance

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Our insurance experts can help you compare plans and find the best coverage for your needs

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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.