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Liberty General · LIBHLIP26039V062526

Liberty General Health Connect (Supreme)

Liberty General Health Connect (Supreme) (IRDAI UIN LIBHLIP26039V062526) is an individual and family floater health insurance plan with sum insured from 2 lakh to 15 lakh (8 options). Pre-existing diseases are covered after 2 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Liberty General Health Connect (Supreme) is a health insurance plan from Liberty General. Key specifications: plan type Individual and family floater, room rent No room rent capping, pre-existing disease waiting 24 months.

Sample premium ₹14,143 a year*

*For: Individual plan, Supreme, age band 26 Years - 35 Years, Sum Insured 10,00,000, annual premium, excluding GST (no zones in rate chart). Your premium will differ.

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Plan type
Individual and family floater
Room rent
No room rent capping
Pre-existing disease waiting
24 months
Sample annual premium
₹14,143

Pros

  • Pre-existing diseases covered after 2 years, sooner than 82% of the 50 health insurance plans on Comparezi that state it
  • No co-payment unless you choose one for a lower premium
  • No room-rent cap

Cons

  • Lower maximum sum insured than 88% of the 52 health insurance plans on Comparezi that state it (₹15 lakh)

Who should avoid it

  • Not ideal for High sum insured available · What matters most? (pick any) #47 of 53

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 2 lakh, 3 lakh, 4 lakh, 5 lakh, 6 lakh, 7.5 lakh, 10 lakh, 15 lakh
Highest sum insured 15 lakh
Entry age 91 days to 65 years
Room rent No room rent capping
Co-payment None (optional voluntary co-pay 5%/10%/20% for discount)

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 24 months

Benefits

Pre-hospitalisation 60 days
Post-hospitalisation 90 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit 100% restoration of basic SI on occurrence of another unrelated event (once during the Policy Period)
No-claim bonus Auto increase in Sum Insured by 10% for every claim free year up to 100% of Basic SI, or 2.25% renewal premium discount

Premium

Sample annual premium ₹14,143
Sample premium is for Individual plan, Supreme, age band 26 Years - 35 Years, Sum Insured 10,00,000, annual premium, excluding GST (no zones in rate chart)

Insurer

Health incurred claim ratio (insurer) 92.99%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer) 7200+
IRDAI UIN LIBHLIP26039V062526

About the Health Connect (Supreme)

Liberty General Health Connect (Supreme) (IRDAI UIN LIBHLIP26039V062526) is an individual and family floater health insurance plan with sum insured from 2 lakh to 15 lakh (8 options). Pre-existing diseases are covered after 2 years. It is one of 53 health insurance plans on Comparezi, from Liberty General.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Individual and family floater
  • Sum insured options: 2 lakh, 3 lakh, 4 lakh, 5 lakh, 6 lakh, 7.5 lakh, 10 lakh, 15 lakh
  • Entry age: 91 days to 65 years
  • Room rent: No room rent capping
  • Co-payment: None (optional voluntary co-pay 5%/10%/20% for discount)

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 2 years

Benefits

  • Pre-hospitalisation: 60 days
  • Post-hospitalisation: 90 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: 100% restoration of basic SI on occurrence of another unrelated event (once during the Policy Period)
  • No-claim bonus: Auto increase in Sum Insured by 10% for every claim free year up to 100% of Basic SI, or 2.25% renewal premium discount

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 1 has a shorter one and 7 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, 22 have a longer one and 19 have the same.

Premium

It depends on your age, cover, city and options. Liberty General's own published premium table gives ₹14,143 a year for this profile: Individual plan, Supreme, age band 26 Years - 35 Years, Sum Insured 10,00,000, annual premium, excluding GST (no zones in rate chart). Your premium will differ; get a quote from the insurer.

About the insurer

Liberty General's health incurred claim ratio was 92.99% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid. Liberty General states a network of 7200+ hospitals.

Similar plans from other insurers

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Health Connect (Supreme)

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Generali Central

Health Absolute - Classic

  • Individual and family floater Plan type
  • No sub-limit stated (Reasonable and Customary room rent, up to Sum Insured) Room rent
  • 24 months Pre-existing disease waiting
Sample premium ₹13,986 a year*

SBI General

Super Health - Elite

  • Individual and family floater Plan type
  • Actuals up to Sum Insured Room rent
  • 24 months Pre-existing disease waiting
Premium depends on your profile

Tata AIG

MediCare

  • Individual and family floater Plan type
  • No room rent sub-limit stated (In-patient Treatment up to Sum Insured; room category as per Policy Schedule) Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile
  • Individual and family floater Plan type
  • Standard Single Private Room; no capping on ICU accommodation Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Head to head

Compare the Health Connect (Supreme)

Questions

Health Connect (Supreme) FAQs

It depends on your age, cover, city and options. Liberty General's own published premium table gives ₹14,143 a year for this profile: Individual plan, Supreme, age band 26 Years - 35 Years, Sum Insured 10,00,000, annual premium, excluding GST (no zones in rate chart). Your premium will differ; get a quote from the insurer.

LIBHLIP26039V062526. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

2 years, as stated by the insurer.

Room rent as stated by the insurer: No room rent capping.

Co-payment as stated by the insurer: None (optional voluntary co-pay 5%/10%/20% for discount).

60 days before and 90 days after hospitalisation.

2 lakh, 3 lakh, 4 lakh, 5 lakh, 6 lakh, 7.5 lakh, 10 lakh, 15 lakh.

Data sources

  • Manufacturer official pages

Last updated

Product details

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