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Mumbai-based insurance company, Liberty General Insurance has announced the launch of ‘Critical Connect’ – a health insurance policy that covers up to 60 critical illnesses (CIs) including major and minor health conditions such as heart or major organ transplant, kidney failure, cancer, brain surgery, CIs related to HIV/Aids, head trauma & injury, blindness, and multiple sclerosis among others.
Liberty Insurance in its issued statement said, “This health policy will enable customers to manage most of the expenses arising due to critical illnesses.”
“Unlike a regular Health Insurance policy, where the customer makes a claim based on the actual expenses incurred on hospitalization, the Critical Connect Health Insurance Policy will pay a lump-sum amount to the customer on the diagnosis of listed critical illness covered under this policy,” the statement said.
“Under the Critical Connect health insurance policy, the customer can choose from two plans for sum insured ranging from Rs 1 lakh up to Rs. 1 crore. If the customer opts for Plan A, he/she can choose Critical Illness Bundles covering 9, 25, or 43 critical illnesses. Whereas Plan B offers disease-specific bundles such as Heart Protect, Cancer Protect, Renoliv Protect, and Brain Protect. This policy can be availed by Indian citizens aged over 18 years and less than 65 years,” it added.
Adding to the statement, the company said, “The other additional benefits under the Critical Connect Insurance Policy include a second medical opinion where Liberty will arrange and pay for a second opinion for the customer through its network of doctors.”
Speaking on the launch, Roopam Asthana, CEO & Whole Time Director of Liberty General Insurance said, “With rising healthcare costs and the growing vulnerability to critical illnesses, having comprehensive insurance protection is today a necessity. The cost of treating life-threatening diseases is much higher compared to the cost of treating common ailments.”
“Keeping this in mind, Liberty has launched a ‘Critical Connect’ Health Insurance Policy, which is another step towards our endeavor to contribute to the financial well-being of our customers. The policy provides financial support and wealth protection to our customers by offering a lump sum amount on the diagnosis of a critical illness which may require specialized treatment for an extended period of time,” Asthana added.
Further adding to the statement, the company said, “The customer will also be entitled to a health check-up every two years. Lastly, under the Health 360° feature, while customers would be able to avail discounts on outpatient consultations, pharmaceuticals, and diagnostic tests through Liberty’s empaneled network of providers, they would also be able to get integrated healthcare services such as health risk assessment, disease management, dedicated health coaching, and wellness rewards under Wellness programs without any additional charges.”