Liberty Videocon Health Connect Plan
Product Overview
Liberty Videocon Health Connect Plan is a hospitalization policy, which covers inpatient treatment for a minimum period of 24hrs, along with other benefits like day care treatments, Ayurvedic treatment, etc.
Unique Features of Liberty Videocon Health Connect Plan
- Auto Restore of Sum Insured (Elite & Supreme).
- This plan covers Pre-Hospitalisation expenses upto 60 days and Post-Hospitalisation expenses upto 90 days.
- No Claim bonus up to 100% of the Sum Insured.
- Organ Donor covered up to basic Sum Insured.
- No Co-payment/Pre Existing Disease are cover after( Elite-3 years,Supreme-2 years).
- Some Organ Specific are Covered after 1 year like Cataract, Benign Prostatic Hypertrophy etc.
OneInsure App Benefits
Store Digitally | Get Premium Reminders | Service and Claim assistances | Empower Nominee
Critical features of Liberty Videocon Health Connect Plan
- Room rent:
Limits imposed towards room and ICU rent expenses
- This Plans has 3 variants Basic,Elite,Supreme plan
- No room rent Capping - No Claim Bonus:
Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal
10% of basic sum insured up to a maximum of 100 % for each unclaimed year in case opted for - Co-Pay:
Specific % of admissible claim amount to be borne by Insured
This Plan does not have co-payment clause. - Pre-Existing Diseases:
Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
- Basic Plan has a waiting period of 4 years is case of pre-existing diseases
- Elite Plan has a waiting period of 3 years is case of pre-existing diseases
- Supreme Plan has a waiting period of 2 years is case of pre-existing diseases
Eligibility Criteria
- Minimum Age of Entry:- Children - 91 days to 25 years/Adults-18 years
- Maximum age of Entry:- No Limit
- Renewal Age:- Life Long Renewal
- Sum Insured:-
Basic Plan- 2, 3, 4, 5, 6, 7.5, 10 Lacs
Elite Plan- 3, 4, 5, 6, 7.5, 10, 15 Lacs
Supreme Plan- 2, 3, 4, 5, 6, 7.5, 10, 15 Lacs - Policy Tenure:- 1&2 yrs
- Premium Calculated on Basis of:- Age (i.e. sum Insured Chosen)
Additional discounts
- Family Discount: 10% discount if more than 2 family members are covered on Individual Sum Insured basis
- Multi Year Policy Discount: for a 2 year policy period, 7.5% discount
Waiting Period
- Covered from Day 1 : Accidental Injuries
- Covered after 30 Days : All incidences apart from specified surgeries, Permanent exclusion & Pre-existing diseases (if any)
- Covered after 1 Year : Cataract, Benign Prostatic Hypertrophy, Hernia, Hydrocele, Fistula in anus, piles, Sinusitis and related disorders, Fissure, Gastric and Duodenal ulcers, gout and rheumatism; internal tumors, cysts, nodules, polyps including breast lumps (each of any kind unless malignant); Hysterectomy/ myomectomy for menorrhagia or fibromyoma or prolapse of uterus, polycystic ovarian diseases; skin tumors unless malignant, benign ear, nose and throat (ENT) disorders and surgeries (including but not limited to adenoidectomy, mastoidectomy, tonsillectomy and tympanoplasty); dilatation and curettage (D&C); & Congenital Internal Diseases.
- Covered after 2 Years : Calculus diseases of Gall bladder and Urogenital system, Hypertension and Diabetes and related complications, Joint Replacement due to Degenerative condition, Surgery for prolapsed inter vertebral disc unless arising from accident, Age related Osteoarthritis and Osteoporosis, Spondylosis / Spondylitis, Surgery of varicose veins and varicose ulcers.Diabetes & related complications including but not limited to: Diabetic Retinopathy, Diabetic Nephropathy, Diabetic Foot/Wound, Diabetic Angiopathy, Diabetic Neuropathy, Hypo/Hyperglycemic Shocks. Hypertension & related complications including but not limited to: Coronory Artery Disease, Cerebrovascular Accident, Hypertensive Nephropathy, Internal Bleed/Haemorrhages
Exclusions
- Intentionally self-inflicted Injury or illness
- Expenses arising from HIV or AIDS and related diseases,Any OPD treatment
- Abuse of intoxicant or hallucinogenic substance like drugs and alcohol
- Hospitalisation due to war / acts of war, nuclear, chemical / biological weapon & radiation of any kind
- Any treatment arising from or traceable to pregnancy,Treatment of obesity,External Congenital
- Treatment of mental illness,cosmetic surgery/implants or plastic surgery
- All preventive care, vaccination including inoculation and immunizations,Non-allopathic treatment
- Treatment received outside India,War or any act of war, invasion, act of foreign enemy
- Personal comfort and convenience items or services
- Any hazardous activity
Note:- Any claims arising out of or attributable to any of the following is not covered
Tax Benefits
The premium paid for health insurance policy is liable to get a tax rebate under section 80D of the Income Tax Act, 1961.
Claim Process
In case you would like to know about the Claim Process or would like to register a Claim please click the link below
