Health Connect Supra

Health Connect Supra

Key Benefits of Health Connect Supra
An additional benefit to your existing basic personal or family health insurance, Health Connect Supra offers financial cover over and above the basic sum assured in your policy. It is available in two variants Top Up and Super Top Up plans.

Extend your
Existing health policy coverage, incurred during hospitalization due to an accident or illness

Alongside your
Current health insurance policy and enhances it to provide you a larger coverage at a much lower premium.

Top Up
Enables you to enhance the Sum Insured at a lower cost over the specified deductible amount applied on per claim basis

Super Top Up
Enables you to enhance the Sum Insured at a lower cost over the specified deductible amount applied on aggregate per policy year

Features and Benefits of Health Connect Supra
An additional benefit to your existing basic personal or family health insurance, Health Connect Supra offers financial cover over and above the basic sum assured in your policy. It is available in two variants Top Up and Super Top Up plans.

Top-up Plan:
Increase the Sum Insured at a lower cost, calculated on a per claim basis over the specified deductible amount. The Sum Insured for a Top-up Plan goes up to 20 lakhs.

Super Top-up Plan:
Increase the Sum Insured at a lower cost, calculated on an aggregate per policy year basis over the specified deductible amount. The Sum Insured for a Super Top-up Plan goes up to 1 Crore.

Benefits[/B]
Multiple SI and Deductible options to choose from.
No pre-policy health check-up required for proposals in case you don't have an adverse health history.
Single policy for individual and family members with additional discounts if 2 or more family members are covered under the same policy.
Get attractive discounts on Multi Tenure Policy of 2 or 3 years.
For policies with tenure of 3-years, get coverage for pre-existing diseases from the first renewal.

Additional benefits for:
Get preventive health measures like first medical opinion, electronic medical records management, live health talk, and health newsletter.
Avail Cashless claims from over 3600 network hospitals.
Tax benefits on premium paid under section 80D of the Income Tax Act 1961.
No Claim Benefit increases by up to 10% for the Sum Insured, for every claim free year of the policy tenure. You can also avail up to a 100% of the Sum Insured if the policy is renewed timely, without break.
Optional additions including reload of the Sum Insured, world-wide coverage, AYUSH Treatment, Wellness & Assistance Program.
Applicable only for Super Top-up Plan

Portability & Renewal
Portability
If you wish to switch from your current health Insurance policy to Liberty General Insurance on renewal, we can certainly do that with proper evaluation, keeping your convenience in mind. Please note that our evaluation process adheres to the Portability Guidelines issued by IRDAI.
If You are insured continuously and without interruption under any other Indian General Insurance and/ or Standalone Health Insurer's individual health insurance policy and you want to shift to us on renewal, the Company will consider such requests on proper evaluation allowed in terms of the Portability Guidelines issued by IRDAI.
Also, if you are insured continuously and without interruption under our Health Insurance Policy, and you want to shift to this policy on individual or family cover, the Company will consider such requests on proper evaluation, as per Company's underwriting guidelines and terms of the Portability Guidelines issued by IRDAI.
Renewal

Liberty General Health Insurance comes with lifelong policy renewal without any exit age, providing a grace period of 30 days for renewal under the policy.
A change in plan, enhancement in the sum insured or alterations in deductible can happen at the time of renewal subject to prior approval by the Company.
Get an automatic 10% increase in the Sum Insured for every claim free year maximum up to 100% of Sum insured if the policy is renewed on time, consistently without any breaks.
Applicable only for Super Top-up Plan

Waiting Periods
There are three types of waiting periods, and specific rules apply to each one of them.
30 days waiting period shall apply to all diseases contracted except for bodily injury that requires hospitalization, having occurred due to an accident.
A waiting period of 2 years or 24 months will apply to the following medical or surgical treatments, including medical expenses along with their complications: Cataract, Hernia, Benign Prostatic Hypertrophy, Hydrocele, piles, Fistula in anus, Sinusitis and related disorders, Gastric and Duodenal ulcers, Fissure, gout and rheumatism, Internal tumors, nodules, cysts, polyps including breast lumps, Hysterectomy for menorrhagia or prolapse of uterus, polycystic ovarian diseases, Skin tumors unless malignant, ENT disorders and surgeries, Dilatation and curettage & Congenital Internal Diseases. Calculus diseases of Gall bladder, Joint Replacement due to degenerative condition, age related Osteoarthritis and Osteoporosis, Surgery for prolapsed inter vertebral disc unless arising from accident, Spondylosis or Spondylitis, varicose ulcers and surgery of varicose veins.
In case of pre-existing condition and/or any complications arising from them, will not be covered until 36 months of continuous coverage have elapsed from the date of the Health Insurance policy being issued.

Health Connect Supra Policy (Super Top-up plan & Top-up plan)
Pre and Post Hospitalization
Covers medical expenses that occur during the number of days immediately before and after hospitalization, as specified under the Health Insurance Policy for family or individual. This coverage provided is towards consultations, tests and medications.
In-patient Treatment
This covers the hospitalization expenses incurred due to an illness or accident, for a minimum of 24 hours. It pays for medical expenses including room rent, nursing, medical practitioner, boarding expenses, ICU, medicines and other related requirements.
Day care Procedures
This covers medical expenses for a total of 405 day care procedures which do not require 24 hours hospitalization, as stated in the policy document.
Loyalty Perk
The Policy provides an automatic 10% increase in the Sum Insured for every claim-free year, and that can go up to a maximum of 100% of the Sum Insured if the policy is consistently renewed without breaks.
Applicable only for Super Top-up Plan
Policy Discounts
Family discount of around 10% if two or more family members are covered under a single policy, with a flat discount of 15% proposed for each child.
Family floater discount of up to a maximum of 40% is available for the immediate family, including the spouse and three kids under a single Sum Insured floating on all members.
Additional long term policy discount of 7.5% and 10% on the premium if you choose a 2 year and 3 year policy tenure respectively, and pay the applicable premium as a single premium in advance.
Loyalty discount of 5% offered if you have an ongoing retail health insurance policy issued by Liberty General Insurance.
Avail 10% discount when you purchase the Health Connect Supra policy through the company's direct channels or its website.

Optional Cover
Reload of Sum Insured
Once during a policy year, if the Sum Insured is exhausted, this cover allows Reload of Sum Insured for the value of the original Sum Insured
World-wide Coverage
This covers for emergency medical expenses outside India, specifically for the person insured during the Policy Year.
Applicable only for Super Top-up Plan
[/B]AYUSH Treatment[/B]
Covers treatments for Ayurveda, Siddha, Unani and Homeopathy in a government owned hospital or an institute recognized by the government.
Wellness & Assistance Program
If you are within India but more than 150 kilometers away from your residence, you will be offered the following emergency services:

Medical Monitoring & Case Management
We monitor the policy holder's condition, and stay in regular contact with the hospital or the attending physician, to relay legally permissible and/ or necessary information to the family members.
Medical Consultation and Evaluation
We provide 24x7 telephone access to our operations center which evaluates, analyzes and makes immediate referrals to approachable hospitals and qualified doctors.
Emergency Medical Evacuation
In case of emergencies where there is non-availability of adequate medical facilities for the Insured, we arrange for transportation and appropriate medical supervision to take the insured to the nearest medical facility capable of providing the needed care.

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