Liberty General Insurance's Promise During the Pandemic-"We'll Protect You Even Through Turbulent Times"

The COVID-19 pandemic has dramatically changed lives across the globe in the last few months. Most countries have put in place different lockdown rules to curb the spread of the virus. With millions of people confined indoors, daily routines have witnessed a complete transformation. The Coronavirus curve in India continues to be steep; however, our country has also recorded the best recovery rates in the world. 

How the Country Combats COVID-19

Central and state government authorities have been working in tandem with local hospitals and municipalities to improve public health and hygiene. People have seen numerous instructions on how to improve hygiene levels, precautionary measures to be safe and immunity-boosting advice for overall wellness.

Even though you, as a responsible citizen, follow instructions from medical experts, there may be a likelihood that you or your loved ones fall prey to COVID-19. Though the team at Liberty General Insurance wishes you and your family health and safety, what can you do if you find yourself in the above situation? 

Understanding Your Health Insurance Policy

Globally the pandemic has been incomprehensible, reinstating that a health care policy is essential. Amid fears of this unknown yet comparatively deadly virus strain, the IRDAI introduced new policy norms to include COVID-19 insurance coverage. While some form of health insurance already protects you and your family, it is essential to go through all the terms and conditions. The primary factors you must look for are whether your existing policy covers treatment, care and hospitalisation expenses for Coronavirus. 

Does Your Health Insurance Plan Cover All Your Requirements?

Currently, the study and development of a Coronavirus vaccine are being carried out in full force worldwide. In the meanwhile, healthcare and Coronavirus treatment is a lengthy and expensive procedure. There are government-aided hospitals that provide free treatment; some of you might prefer private hospitals. The first step for you is to ensure that your health insurance policy covers COVID-19. If not, you need to check with your insurance provider for an upgrade or an add-on cover for you and your family.

Liberty General Insurance has been one of the first few insurance companies to step up their game and bring innovative new insurance products to its customers. In these turbulent times, they have made a promise to protect and support as many Indian families as possible. Let's take a look at what Liberty General has to offer.

Why Opt for a Liberty General Health Insurance Plan?

Liberty General Insurance provides a holistic Coronavirus health cover. Their range of policies covers not only hospitalisation and treatment but also the overall wellness and recovery expenses. Are you worried about hefty premiums? Don't be; you can buy health insurance policies in easy instalments. In this way, you get the financial assistance you need and also numerous other advantages such as income-tax benefits, no claim bonus benefits, cashless hospitalisation, and other discounts.

LGI also provides a range of products for consumers to choose from, such as a family floater Mediclaim package, individual health insurance policies, cashless health insurance, and senior citizens' health insurance.  Their latest offerings include Liberty General's Critical Connect that covers 60 critical illnesses. LGI also offers Liberty General Insurance Health Connect Supra. Read on to find out more about the product.
 

Everything You Need to Know About Health Connect Supra

Different factors, such as age, medical history, body mass index, occupation, etc. affect one's health insurance premium a great deal. The Health Connect Supra package is a super top health insurance policy which you can purchase with your existing health insurance plan for extending the coverage. It comes with an insured sum and a small deductible. If the gross claims in a policy year surpass the deductible amount chosen, then the policy covers the claim. Health Connect Supra has a lower premium and aims to increase health insurance coverage.

Unbeatable Features of Liberty General's Health Connect Supra

• Top-Up Plan: You can increase the original sum insured at a lower cost. The top-up is calculated on a per-claim basis over the specified deductible amount. You can get a top-up of up to Rs. 20 lakh under this plan.
   
• Super Top-Up Plan: You can get a top-up of up to Rs. 1 crore at a lower cost. This amount is calculated annually on a per-policy basis over the specified deductible amount. 

Benefits of the Health Connect Supra policy:

• If you have an excellent health history, you needn't have a pre-policy health check-up.
   
• You can get a single policy for yourself and your family members. There are additional discounts if two or more family members are covered under the same plan.
   
• Get attractive discounts on a multi-tenure policy of 2 or 3 years.
   
• For policies with tenure of 3-years, you can get coverage for pre-existing diseases from the first renewal.

Additional Benefits:

• Get preventive health measures like initial medical opinion, electronic medical records management, live health talks, and a newsletter on health.
   
• Avail cashless claims from over 3600 network hospitals.
   
• Avail tax benefits on premium paid under section 80D of the Income Tax Act 1961.
   
• Get an increased no-claim benefit by up to 10% for the sum Insured. This applies to every claim-free year of the policy tenure. You can also avail up to 100% of the sum insured if you renew the policy on time, without a break.*
   
• You have the option to reload the sum insured. Other add-on benefits include worldwide coverage*, AYUSH Treatment, Wellness & Assistance Program.

*Applicable only for Super Top-up Plan

As responsible citizens and family members, apart from taking care of yourselves and your families, a secure and comprehensive health insurance package is necessary. With medical experts speculating a second wave of COVID-19 in the next few months, it is imperative to act now and prepare for future financial and contingencies. A health insurance policy from Liberty General Insurance with extensive coverage would help you get back on your feet. With its  promise to protect, go ahead and enjoy life with your loved ones.