Liberty Videocon Health Insurance
The Liberty Videocon General Insurance is a collaboration between the Boston-based insurance company Liberty Mutual Insurance Group and India-based Videocon Industries. Liberty Videocon Health Insurance is one of the Policy types under Liberty Videocon General Insurance.
Liberty Health Connect Policy
In these days of astronomical health care costs, hospitalization can often be financially devastating. Many times, the hospital bill makes us much more discomfort than the actual sickness for that the treatment is being provided. While medical and healthcare services have progressed rapidly over the years, so the rise in the treatment costs.
Of course not, Liberty Videocon brings you well-thought solution to cover such financial woes with our Liberty Health Connect Policy. The Liberty Health Connect Policy is designed to provide all your health care and hospitalization needs. Our comprehensive health plan is not only flexible and also affordable, but it also offers cashless care at all hospitals that are part of our extensive network.
Features and Benefits of Liberty Videocon Health Insurance
Some of the primary benefits provided as part of Liberty Health Insurance Connect Policy are as follows.
- The mediclaim insurance covers not only the hospitalization in the event of an accident or sickness but extends to cover pre and post-hospitalization expenses, day-care procedures, domiciliary treatment, etc.
- Flexi Policy term: Option to choose a policy term of 1 or 2 years for your medical insurance.
- Restoration of Sum Insured: In a case of exhaustion of Sum Insured, be worry-free, as our Policy offers restoration of Sum Insured to take care of all your future claims (coverage as per the plan was chosen).
- Renewal benefits: Liberty Videocon Health Insurance has rewarded you with a free health check-up after two years of continuous policy renewal with us irrespective of the claims made under the Policy.
- Assured Renewal for life: No exit age restriction on the renewal.
- Free Look Period: In case you find the policy unsuitable to your needs, you can request for cancellation of the Policy, within a free look period of 15 days, After purchasing the Policy.
- Cashless Facility: Avail Cashless facility from our network hospitals and leave the rest to us.
- Unique Loyalty Perk Benefits: For every claim free year, your Sum Insured automatically improves by 10% for the Basic Sum Insured. This benefit can go up to a maximum of 100% of the Basic Sum Insured.
Inclusions of Liberty Videocon Health Insurance
The health insurance benefits of the policy by Liberty Videocon provide cover for the following occurrences:
- Hospitalization Expenses:
- In-Patient Treatment.
- Day Care Treatment.
- Pre-Hospitalisation Expenses: This includes costs like those towards consultations, tests & medications. The health insurance covers medical expenses incurred for a specified number of days immediately before the hospitalization.
- Post-Hospitalisation Expenses: The health insurance covers medical costs incurred for a specified number of days immediately after the discharge from the Hospital. These may include expenses towards follow-up visits, confirmatory tests, medications & physiotherapy.
- Domiciliary Hospitalisation Treatment: Treatment taken at home in India as the patient cannot be moved to a hospital, or the patient receives treatment at home.
- Hospital Daily Cash Allowance: The health insurance pays a Hospital Daily expenses on a per day basis to take care of non-medical expenses incurred for each continuous and completed period of 24 hours of hospitalization of the Insured Person for a maximum up to 10th day of continuous hospitalization. A deductible of first 48 hours of admission is, however, applicable as per the mediclaim policy.
- Emergency Local Road Ambulance Charges: The health insurance covers expenses incurred towards the transfer of Insured Patient to nearest Hospital having adequate emergency facilities. These charges will be paid up to a specific amount mentioned in the Schedule of Benefits.
- Organ Donor Expenses: The health insurance covers expenses incurred towards an organ donor’s screening & treatment for the gathering of the organ donated.
- Recovery Benefit: The health insurance pays a lump-sum amount in case of hospitalization for more than ten days.
- Second Opinion: This policy will arrange a second opinion consultancy, once during the medical insurance policy period, to augment confidence in the proposed medical diagnosis and treatment plan.
- Nursing Allowance: The health insurance pays a daily allowance towards engaging the services of a qualified nurse for a specified amount of time, either at the hospital or the insured person’s residence.
Exclusions of Liberty Videocon Health Insurance
Waiting Period Exclusions:
- Waiting Period Exclusion-30 days.
- First Year Waiting Period Exclusion.
- Two-Year Waiting Period Exclusion.
- Pre- Condition Exclusion.
Liberty Videocon Janata Personal Accident Policy
Janta Personal Accident Policy is a rural product which ensures the person for Accidental Death and also provides other accidental benefits.
Features and Benefits:
Some of the main features and benefits offered as part of Janta Personal Accident Policy are as follows:
Minimum Entry Age: 5 years to 18 years for Children.
Maximum Entry Age: 75 years.
Exit Age: Renewable for Life.
Policy Tenure: 1 year.
Free Look Period: 15 days is available.
Geographical Limit: Worldwide.
The Liberty Videocon Health Insurance policy provides cover for the following occurrences:
For any bodily Injury resulting solely and directly from Accident caused by external, violent and visible means, then the company shall pay the sum from now on outlined in the Schedule of Benefit
|Accidental Benefits||% of CSI|
|Loss of||% of CSI|
|Limbs (both hands or both feet or one hand and one foot)||100%|
|Loss of a Limb and an eye||100%|
|Complete and irrecoverable loss of sight of both eye||100%|
|Loss of one eye sight, or total and irretrievable loss of use of a hand or a foot||50%|
|Permanent Total Disability due to Accident||100%|
Individual Personal Accident Policy
It provides Financial support to the Insured and their family members at the time of the accident to the Policy Holder. The Persons covered under this policy consists of Self, Spouse, Dependent Children. The Add-on Covers provided by the Liberty Videocon Individual, Personal Accident Policy, are Accidental Hospitalisation expenses, Family Transport Benefit, Ambulance Hiring Charges, etc.
- Child Education Benefit
- Cost of Transporting Mortal Remains
- Cost of Performance of Funeral Ceremony
- Accidental Hospitalization Expenses
- Accidental Hospital Daily Cash
- Child Education Support Benefit
- Life Support Benefit
- Loan Protector
- Broken Bone
- Modification of Vehicle/Residence
- Family Transport Benefit
- Outstanding Bills Protection Benefit
- Ambulance Hiring Charges
- Legal Bail Expenses
- Double Indemnity
➡ For more details check: https://www.libertyvideocon.com