Liberty General Insurance

Key Features

Claim Settlement Ratio 94%

Claim Settlement Facility 100%

Network Hospitals 5000

Renewability 100%

COVID-19 Cover Yes

Incurred Claim Ratio 74.58%


The minimum age at entry is 18 years and the maximum age at entry is 65 years.


The policy can be renewed lifelong as long as the policy is in force.


The policy can be purchased for a tenure of 1/2/3 years.

Pre and post hospitalization

The policy covers the pre and post hospitalization expenses up to 45 days prior and 60 days later the inpatient hospitalization.

Day care procedures

The policy covers the medical expenses incurred for 405 day care procedures undertaken in a hospital that doesn't require 24 hours inpatient hospitalization admission.

Daily cash allowance

Daily cash allowance of up to 10th day of hospitalization is payable with a deduction of the first 2 days.


The policy has a Co-pay of 10% for non-network hospitals and for insured above 60 years of age.

Health checkup

All the insured members above 18 years of age can avail the free health checkup at every 2 continuous claim free renewals. This facility is listed to max 2 adults insured under the health insurance policy.

Worldwide coverage

The policy covers the medical expenses incurred by the insured when traveling abroad. For the claim to be payable under this section the symptoms should first originate while the insured person is in India. All the pre existing conditions would be excluded under this section.

Sum insured

The minimum and maximum sum insured under the health insurance plan is ₹2 lakh and ₹15 lakhs.