Liberty group health insurance

Liberty group health insurance

Claim settlement ratio (2019-20)

81.03%

Network hospitals

5800+

Total GHI lives insured (2020-21)

86.5 Lakhs

Total GHI claims incurred (2020-21)

18.11 crores

TPA

External TPA

About Liberty Insurance Ltd.

Started in 2013, Liberty Insurance Ltd. is a joint venture between Enam Securities, Liberty Citystate holdings PTE Ltd., and DP Jindal Group. With an employee base of 1200+, Liberty group health insurance Ltd. has over a network of 110 offices in 95 cities across 29 states.

With the vision of helping people live safer lives, Liberty General Insurance Ltd. aims to become an empathetic insurer that focuses on being clear and transparent. They believe in maintaining complete honesty and promoting long-lasting relations with their clients. Liberty General Insurance Ltd. has a mission to be a sustainable and the most trusted insurance company in India. 

Through Pazcare, Liberty General Insurance Ltd. offers the best in class service with a prompt customer support system. With the Pazcare dashboard advantage, you can add/delete and manage your employees in one place seamlessly. The Pazcare dashboard can easily be integrated with your HRMS for smooth endorsements of new employees. 

How to buy Liberty group health insurance at Pazcare?

By following these simple steps, you can purchase Liberty group health insurance at Pazcare.

  1. Visit https://www.pazcare.com/ and click on the products drop-down menu to choose group health insurance
  2. A form will appear on the right side of your screen. Fill in the required details like - your name, phone number, company name, and the number of employees you wish to insure and select ‘get quote’. 
  3. After the successful submission of this form, one of our health insurance consultants will reach out to you within 24 hours. Discuss your requirements with the assigned personnel to get the tailor-made group health insurance policy for your employees.
  4. After the discussion, we will get back to you with competitive quotes from Liberty group health insurance and a few other insurers.
  5. After you make the decision on the insurer and accept the terms and conditions of the insurance policy, the payment will be processed.
  6. After successful payment is carried out, the onboarding process is done within 24 hours of making the payment. 

For further information, write to us at support@getpaz.com or call our customer care at +91 78291 11300. Alternatively, connect with us on Whatsapp using the number +91 81973 79596.

Why choose Liberty group health insurance as your insurance partner?

Seamless experience

The Liberty group health insurance policy takes offering group health insurance very seriously as they ensure a hassle-free experience throughout.

5800+ network hospitals

With a large network hospital base, Liberty group health insurance offers its services to a large audience. 

Free look period

If you are unsatisfied with your Liberty group health insurance policy, they offer a free look period for up to 15 days to apply for cancellation. 

Emergency ambulance charges 

Liberty group health insurance covers ambulance charges in emergency cases as well.

Also Read: Why Should Millennials Invest In Health Insurance?

Liberty group health insurance claim settlement ratio

A claim settlement ratio is simply the ratio of the number of claims settled to the number of claims received during a policy year.

Network hospitals of Liberty group health insurance

With a large network hospital chain of 5800+ network hospitals across India, there are high chances that you can get the best treatment available near your location. A wide network of hospital coverage allows you to ensure that you will get a cashless treatment facility pan India. 

Claim Liberty group health insurance

Liberty group health insurance cashless claim

You can apply for a cashless claim for your Liberty group health insurance using the following steps.

  1. Go to the nearest network hospital

You can avail cashless claim facility at a network hospital. Go to the nearest network hospital for the same. 

  1. Verify your identity

You need to verify your identity using your policy number or health insurance ID card, a valid ID proof like an Aadhar card, driving license, etc, and the company ID at the nearest network hospital.

  1. Submit the pre-authorization form

Once your ID is validated, the next step is to submit the pre-authorization form to Liberty group health insurance. In case of emergency hospitalization, the form can be submitted within 48 hours of hospitalization. While in the case of planned hospitalization, it must be submitted 3 days before the hospitalization. 

  1. Review of request

After the form is submitted, Liberty group health insurance will review your cashless claim request. The network hospital will also be notified of the claim decision. The policyholder will be notified through an email or a message.

  1. Claim settlement

Once all the formalities are completed and your insurer accepts your claim request, the claim will be settled directly with the network hospital according to the terms and conditions of your insurance policy.

Liberty group health insurance reimbursement claim

If you cannot find a network hospital within your vicinity and get hospitalized at a non-network hospital, you can apply for the reimbursement claim from Liberty group health insurance. The following process will be followed in such cases. 

  1. Intimate your insurance company

You need to intimate your insurance company about the hospitalization at the earliest. In case of emergency hospitalization, you can inform the insurer within 48 hours of hospitalization. Whereas, in case of a planned hospitalization inform at least 3 days before the hospitalization.

  1. Pay the dues at the hospital

After your treatment at a non-network hospital, you need to settle all the dues on your own at the hospital.

  1. Collect all the original documents

After the bills are settled, make sure to collect all the original receipts required to file for a reimbursement claim. 

Following documents are required to file for a reimbursement claim -

  • A duly filled claim form
  • Policy copy/health insurance ID card
  • A valid unique ID card (Aadhar card, driving license, etc.)
  • All original medical and hospital bills, discharge summary, doctor consultation report and prescription papers.
  • A medical certificate specifying the duration, medical history, and treatment details signed by the doctor in charge.
  • Any other relevant documents.
  1. Submit the documents

After the successful accumulation of all the relevant documents, you need to submit them to the nearest Liberty group health insurance branch within 15 days of discharge from the non-network hospital.

  1. Claim processing

Once the required documents are submitted and processed, the insurer will review the same to reject or approve the reimbursement claim request. This will be done as per the terms and conditions of your policy. Once approved, the claim will be settled in your bank account. You will be notified about the claim approval/rejection via SMS or your registered email.

You can also contact us at support@pazcare.com, to guide you through the whole process. We provide 24X7 claim assistance for your employees. 

Liberty group health insurance renewal process

Renew your Liberty group health insurance with Pazcare using the following steps.

Step 1: Visit us at https://pazcare.com/ and submit an introductory form that requires your name, company name, number of employees, work email address, and phone number.

Step 2: After successfully submitting the form, our group health insurance consultants will contact you regarding the following documents.

  • Active data of employees - name, age, gender, details of dependents (as per the type of policy)
  • Claim analysis report
  • Claim dump report from the insurer/TPA
  • Policy copy

Step 3: If you want to add any add-ons to your existing Liberty group health insurance policy like maternity insurance riders, etc, inform our consultants your requirements. With Pazcare, you can also choose additional health and wellness benefits like therapy sessions, unlimited doctor consultations, comprehensive check-ups, and many more to your Liberty group health insurance. 

Step 4: One of our consultants will get back to you with competitive quotes for your Liberty group health insurance. Based on your claim history and the additional riders and add-ons of your liking, your Liberty group health insurance premium will be decided. It may differ from the previous financial year.

Step 5: After agreeing to the terms and conditions of the policy, please proceed toward the premium payment for your Liberty group health insurance policy. The policy is usually valid for a year after the renewal.

Step 6: In case, you are purchasing your Liberty group health insurance for the first time with Pazcare, the onboarding process will start within 24 hours of the payment.

Pazcare ensures that your corporate insurance for employees experience is seamless using our dashboard. Your employees will be able to access their Liberty group health insurance plan using Pazcare’s employee app which is available for iOS and Android. 

What is covered under your Liberty group health insurance?

Pre-hospitalization expenses

Under your Liberty group health insurance, the pre-hospitalization charges including room rent, ICU charges, etc will be covered.

Post-hospitalization expenses

Medical expenses incurred immediately after the discharge of the insurance holder will be covered according to the terms and conditions of the Liberty group health insurance policy.

Day-care treatments

Treatments with less than 24 hours of hospitalization are covered under your Liberty group health insurance.

In-patient hospitalization expenses

The Liberty group health insurance undertakes to compensate the insured person against any disease or illness within the hospital premises. 

What is not covered in your Liberty group health insurance?

Pre-existing diseases

Any complications or hospitalizations arising after your Liberty group health insurance gets processed will not be covered until 36 months of your policy gets elapsed.

Sleep disorders

Any procedure or treatment relating to sleep disorder or sleep apnea syndrome being treated in any institution other than a hospital will not be covered under your Liberty group health insurance.

Cosmetic procedures

Any cosmetic treatments, plastic surgeries, or aesthetic treatments will not be covered under the Liberty group health insurance. 

Gender reassignments

Any treatment or surgery relating to sex change or gender reassignment surgery will not be entertained in your Liberty group health insurance policy.

Also Read: 5 Easy Steps To Get Group Health Insurance For Your Team

Liberty group health insurance benefits

In-patient hospitalization expenses

Your Liberty group health insurance will cover in-patient hospitalization expenses like ICU bed charges, nursing expenses, room expenses, physical therapy, OT charges, etc. 

Modern treatments

The treatment for certain modern operations like balloon sinuplasty, oral chemotherapy, etc, will be included in Liberty group health insurance. 

Daycare treatments 

Under Liberty group health insurance, the medical expenses incurred in hospitalization lasting for less than 24 hours will be covered. 

Restoration benefit

You can opt for the restoration benefit in your Liberty group health insurance. It will restore or reload the sum insured upon exhaustion of the same in a policy year.

Liberty group health insurance premiums

Remember to use Liberty group health insurance premium calculator to estimate cost for your policy. Here are some of the major factors that decide your Liberty group health insurance premium.

Age

The average age of the insured individuals is taken into account while deciding the premium for your Liberty group health insurance. 

Location

If you reside in tier 1 cities, your Liberty group health insurance will be more as compared to tier 2 cities. 

Number of employees

The employee strength of a company will automatically result in a slightly higher premium amount as the number of insurance takers will increase.

Sum insured

The sum insured is the maximum amount Liberty group health insurance will cover in case of medical treatments and hospitalizations. If you choose to increase the sum insured, the premium amount will simultaneously increase as well. 

Check Out: New India Group Health Insurance

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Claim Liberty group health insurance

1

Intimate the insurance company

Intimate about the hospitalization to the insurer/TPA within 24 hours, in case of emergency and at least 3 days prior in case of a planned hospitalization.

2

Verify your identity

Provide the proof of identity - policy number/health insurance ID card, company ID, and a valid unique govt. ID card.

3

Submit the pre-authorization form

Fill out the pre-authorization form/cashless claim form and submit it to the network hospital

4

Claim settlement

After successful verification, the claim will be settled directly to the network hospital.

5

Contact us for assistance

For any claim assistance contact Pazcare at support@getpaz.com or call us at +91 78291 11300.

1

Intimate the insurer

Intimate your insurer within 48 hours, in case of an emergency and at least 3 days prior in case of a planned hospitalization.

2

Settle the bills

Settle the hospital bills and collect the original copies of all the essential documents.

3

Submit the documents

Submit these documents along with the claim form to the insurer/TPA.

4

Claim settlement

Once verified, the claim will be settled in your bank account directly through NEFT.

5

Contact us for assistance

For any claim assistance contact us at support@getpaz.com or call us at +91 78291 11300. We will be happy to assist.

Liberty group health insurance reviews

4.1 / 5

Rating based on
(6596 reviews)

Nalin

5 / 5

Have to mention, the wellness programs offered by Pazcare are extremely productive. Overall, great experience!

Mayur

5 / 5

The cashless claim process was very smooth because of the amazing team at Pazcare.

Rao

4.5 / 5

The way customer support team supported us in every step is commendable. Keep up the amazing work guys!

Trinette

5 / 5

Customer support team assisted us right from the beginning. Extremely approachable and reliable team at Pazcare.

Mansi Nigam

5 / 5

I found the coordination among the team members amazing which makes our insurance journey smooth. Highly recommend!

Darshan

4.5 / 5

I noticed that the dashboard is really easy to access which makes out job much easier and faster. Keep up the good work.

Aathira U

5 / 5

Great job on the dashboard & app. Extremely user-friendly.

4.6 / 5

Rating based on
(3023 reviews)

Mayur

5 / 5

The cashless claim process was very smooth because of the amazing team at Pazcare.

4.4 / 5

Rating based on
(2193 reviews)

Rao

4.5 / 5

The way customer support team supported us in every step is commendable. Keep up the amazing work guys!

Trinette

5 / 5

Customer support team assisted us right from the beginning. Extremely approachable and reliable team at Pazcare.

4.8 / 5

Rating based on
(913 reviews)

Mansi Nigam

5 / 5

I found the coordination among the team members amazing which makes our insurance journey smooth. Highly recommend!

4.2 / 5

Rating based on
(1267 reviews)

Darshan

4.5 / 5

I noticed that the dashboard is really easy to access which makes out job much easier and faster. Keep up the good work.

Aathira U

5 / 5

Great job on the dashboard & app. Extremely user-friendly.

Why buy a group health insurance
policy online from Pazcare?

  • Choose the suitable policy with our consulting approach
  • Custom-made plan with health and mental wellness add-ons
  • The tech-enabled Pazcare dashboard to manage endorsements
  • Integrate the dashboard with your HRMS tool

Liberty group health insurance customer care number

For any queries or assistance, reach out to us at any time. We provide 24X7 customer assistance.

Liberty group health insurance

Liberty group health insurance FAQs

What is customer care number of Liberty group health insurance?

You can easily reach out to Liberty group health insurance at 1800-266-5844. Or you can mail your queries to health360@libertyinsurance.in.

How to go about the claim settlement process for Liberty group health insurance?

There are two ways to claim your Liberty group health insurance, either through a cashless network hospital or a reimbursement claim through a non-network hospital.

Why should I buy Liberty group health insurance?

Through Liberty group health insurance you get to experience a seamless claims experience. With over 5800+ cashless network hospitals, your remote employees can benefit from anywhere in the country.

What is the renewal process of Liberty group health insurance?

To renew your Liberty group health insurance policy, follow the steps: 

  1. Firstly, get in touch with Pazcare and submit the form with essential details like company name, number of employees, and phone number.
  2. We will get in touch with you for relevant documents required for the renewal of your Liberty group health insurance
  3. Next stop, agree to the terms and conditions of the policy and pay your premium.
  4. Your policy will be activated immediately after the purchase.

What is the claim settlement ratio for Liberty group health insurance?

The claim settlement ratio of Liberty group health insurance for the financial year 2021-22 is 94%.

Can Liberty group health insurance be used outside India?

No, you can only use the Liberty group health insurance benefits anywhere in India.

Is there a look period available in Liberty group health insurance?

Yes, there is a 15-day open window for a look period in your Liberty group health insurance.