Liberty General Insurance Limited
Health Connect Supra Policy
TOP-UP and SUPER TOP-UP indemnity plan
UIN LIBHLIP25035V042425We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹5 cr
Claim settlement (CSR)
95%
PED waiting
36 months
Specific disease wait
36 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
30 / 60 days
Network hospitals
5,000+
Free look
30 days
What this plan does well
- TOP-UP / SUPER TOP-UP indemnity plan — kicks in ABOVE deductible threshold
- Super Top-Up: ANNUAL aggregate deductible (DEALBREAKER ADVANTAGE — smaller claims aggregate)
- Top-Up: per-claim deductible (DEALBREAKER NEGATIVE — each claim resets)
- Large SI bands available (typically ₹5L-₹5Cr)
- All Day Care procedures
- AYUSH coverage
- Domiciliary up to SI
- Standard IRDAI definitions throughout
Watch out for
- DEDUCTIBLE before benefits payable — primary policy must exhaust deductible first (DEALBREAKER for buyers wanting first-rupee cover)
- Specific waiting up to 36 months (vs industry 24mo)
- Maternity typically excluded
- Pre/Post default 30/60 (vs ManipalCigna ProHealth 60/180)
- OPD not covered
- No restoration in base
- Liberty General CSR ~95% (mid-tier vs top 98%+)
- Network ~5K (lower than Care Health 22K)
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.