GIPSA, PPN and Empanelment in Health Insurance - Explained
GIPSA, PPN in GIPSA, Points to remember before opting GIPSA services, hospitals, empanelment
By Pazcare
October 5, 2022
Total estimated yearly premium
*only basic terms and conditions applied
₹ 100,000
₹ 5,000 per life
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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.
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OkayGroup health insurance companies in India
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 by providing the best group health insurance and group personal accident policy for employees.
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.
By following these simple steps, you can purchase Liberty group health insurance at Pazcare.
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.
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.
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A claim settlement ratio is simply the ratio of the number of claims settled to the number of claims received during a policy year.
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.
Liberty group health insurance cashless claim
You can apply for a cashless claim for your Liberty group health insurance using the following steps.
You can avail cashless claim facility at a network hospital. Go to the nearest network hospital for the same.
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.
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.
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.
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.
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.
After your treatment at a non-network hospital, you need to settle all the dues on your own at the hospital.
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 -
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.
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.
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.
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.
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.
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
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.
Group health insurance companies in India
Why buy a group health insurance
policy online from Pazcare?
For any queries or assistance, reach out to us at any time. We provide 24X7 customer assistance.
You can easily reach out to Liberty group health insurance at 1800-266-5844. Or you can mail your queries to health360@libertyinsurance.in.
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.
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.
To renew your Liberty group health insurance policy, follow the steps:
The claim settlement ratio of Liberty group health insurance for the financial year 2021-22 is 94%.
No, you can only use the Liberty group health insurance benefits anywhere in India.
Yes, there is a 15-day open window for a look period in your Liberty group health insurance.
24X7 customer assistance for queries, assistance and claim support
1800-266-5844
health360@libertyinsurance.in
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