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Family health insurance plan covers healthcare expenses for your family on individual sum insured. Visit now at LGI to know more about Health Insurance Plans for Family.

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health insurance plans in india for family

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Secure Health Connect Insurance Plan - Liberty General Insurance

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Family Health Insurance: Now secure your family's health at a low premium with our Secure Health Connect Policy. Get our family medical insurance policy & enjoy featureslike cashless claims, royalty, pay premium in installments etc

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Health Connect Supra by Liberty General Insurance is an extension for your health insurance policy. Visit now at LGI to know more about Health Connect Supra Policy.

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Health Connect Supra Insurance Policy - Liberty General Insurance

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Liberty General Insurance Health Connect Supra provides a larger coverage for expenses incurred during hospitalization due to an accident or illness. Buy Health Connect Supra Insurance Policy today!

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Buy Health Connect Insurance Policy | LGI

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Buy Health Connect Insurance Policy | LGI

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Health Connect Policy is an individual cum family based medical insurance policy that takes care of all your healthcare and hospitalisation needs. Visit  now at LGI.

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You can choose from four variants as mentioned below with Sum Insured ranging from Rs. 2 lakh, and 15 lakh:

. E-Connect - Sum Insured 3, 4, 5, 7.5 L

. Basic - Sum Insured 2, 3, 4, 5, 6, 7.5, 10 L

. Elite - Sum Insured 3, 4, 5, 6, 7.5, 10, 15 L

. Supreme - Sum Insured 2, 3, 4, 5, 6, 7.5, 10, 15 L

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Liberty Health Connect Policy Insurance Plan - Liberty General Insurance

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You can choose from four variants as mentioned below with Sum Insured ranging from Rs. 2 lakh, and 15 lakh: . E-Connect - Sum Insured 3, 4, 5, 7.5 L . Basic - Sum Insured 2, 3, 4, 5, 6, 7.5, 10 L .

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Health insurance online renewal at Liberty General Insurance with a fast and simple process that takes a few minutes to complete. Renew your health insurance online.

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Liberty General Insurance - Health, Motor, Travel Insurance In India.

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Health insurance is a type of insurance that covers all or part of the medical expenses that come with illness or injury. Find quotes, compare plans, and get covered in minutes at LGI.

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Health Insurance: Buy Medical Insurance Plans Online | LGI

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Health Insurance: Buy Medical Insurance Plans Online | LGI

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Health insurance, usually referred to as medical insurance, is a type of medical coverage that provides financial support to help you pay for medical bills. Visit now at LGI

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Why Liberty General Insurance

We at Liberty General Insurance (LGI) ensure that you have the most hassle-free experience when it comes to dealing with a sensitive issue such as health insurance. We draw our experience and competence from Liberty Mutual Insurance Group, which was founded in the year 1912 and now has over 900 offices over the world. Under Liberty Mutual's supervision, we intend to build a customer-centric business to address the distinct needs of individual and corporate customers.

Liberty General Insurance Ltd. is a joint venture between Liberty Citystate holdings PTE Ltd, a group company of US Headquartered Liberty Mutual Insurance Group, a leading multinational property and casualty group, Enam Securities, a privately owned and managed firm that makes long-term investments in listed companies, as well as backs entrepreneurs building valuable private companies and DP Jindal Group, an industrial conglomerate.

Liberty India General Insurance commenced operations in 2013 with the aim of providing comprehensive retail, commercial and industrial insurance solutions. The company has an employee strength of 1200+ over a network of 110 offices in 95 cities across 29 states. Its partner network consists of about 5000+ hospitals and more than 4000+ auto service centres.

What Is Health Insurance?

Health insurance is a type of insurance that protects you and your family from unforeseen medical emergencies. It covers medical treatments or surgical procedures and can also cover the cost of doctor consultation, prescription drugs, and even post-surgical care. In other words, health insurance shields you from the financial strain brought by a major illness or a severe accident.

Why Do I Need Health Insurance?

Health care costs have been increasing over the years and can often amount to several lakhs if it involves complicated surgeries or long-drawn-out treatments for diseases such as cancer. In such cases, the treatment itself can threaten your way of life by eating into your savings. If an illness hits you or your family member early in your life, most of your earnings will go into financing the treatment, leaving you very little to save for your future. It is not just the treatment or the expensive surgery but the regular care that the patient needs, in some cases for life, that adds to the cost. Regular care includes the cost of prescription drugs, doctor consultation, physiotherapy, follow-up health checks, and regular diagnostic tests.

All the above compounds the stress and difficulty of a severe illness or an unforeseen medical condition. With a comprehensive health insurance plan, you won't have to worry about financial difficulties and focus on getting the right treatment for your loved one, irrespective of the cost.

The general principle of insurance is to shield you from the uncertainties of life. While life insurance provides a financial buffer to your family if you lose your life, health insurance provides you and your family a cushion to ease the burden of cost in the event of a medical emergency.

How To Choose The Right Health Insurance

When you are looking to get a good health insurance plan in India, there are a few things that you need to take into account before zeroing in on a policy:

Evaluate your insurance provider: Check your insurance providers' financial strength and claim settling capability. See if the provider and the policies have good ratings by industry experts and also check customer reviews.

Check for the network of hospitals it covers: his is a crucial aspect to check as your insurance would be useless if you are admitted to a hospital that doesn't recognise the policy. Make sure that the insurance provider has the widest network of doctors and hospitals available for treatment. Check all the hospitals in your city and especially those that are in the vicinity of your home and your office.

Waiting Periods: Always check health insurance policies and medical insurance schemes with lower waiting periods. Your policy doesn't get activated until this period is not completed; hence the period must be as short as possible.

How To Initiate A Claim Settlement

At Liberty General Insurance, we believe the time is precious and are committed to not only ensure that your claim is settled at the earliest but also to render support and be by your side in your hour of need.

How to register a claim?

To register a claim, please follow the below options:

Call at our toll-free Number 1800 102 7477 (between 8:00 am to 8:00 pm, seven days of the week)

Mail us at health360@libertyinsurance.in

We have a network of 5000+ hospitals to ensure you receive hassle-free cashless treatment in your vicinity. Corporate customers can also avail themselves of a cashless facility in addition to the current TPA network. If you have any concerns, feel free to write to health360@libertyinsurance.

Here is an indicative list of documents required for all kinds of claims:
In-patient Treatment/Day-Care Procedures

Duly filled and signed claim form.

Photocopy of ID card/photocopy of current year policy.

Original detailed discharge summary/day-care summary from the hospital. Original consolidated hospital bill with bill number with a break up of each item, duly signed by the insured.

Original payment receipt of the hospital bill with a receipt number.

First Consultation Letter and subsequent prescriptions. Original bills, original payment receipts and reports for investigation supported by a note from the attending Medical Practitioner/ Surgeon demanding a particular test.

Surgeons' certificate stating the nature of the operation and the surgeons' bills and receipts.

Attending doctors/ consultants/specialist's/anaesthetist bills, receipts and certificates.

Original bills and receipts with corresponding prescriptions.

Original invoice/bills for Implants (viz. Stent /PHS Mesh/ IOL etc.) with original payment receipts.

Hospital Registration Number and PAN details from the hospital.

Doctors' Registration Number and Qualification of the doctor.

Road Traffic Accident

All documents mentioned for In-patient Treatment documents.

Copy of the First Information Report from the Police/ Copy of the Medico-Legal Certificate.

In Non-Medico legal cases

Treating Doctor's Certificate giving details of injuries (How, when and where injury sustained)
In Accidental Death cases

Copy of Post Mortem Report (if conducted) & Death Certificate
For Death Cases

All documents mentioned for In-patient Treatment documents.

Original death summary from the hospital.

Copy of the death certificate from the treating doctor or the hospital authority.

Copy of the legal heir certificate if the claim is for the death of the principal insured.

Pre and Post-hospitalisation expenses

Duly filled and signed claim form.

Photocopy of ID card / Photocopy of current year policy.

Original Medicine bills, original payment receipt with prescriptions.

Original Investigations bills, original payment receipt with prescriptions and report.

Original Consultation bills, original payment receipt with a prescription.

Copy of the Discharge Summary of the main claim.

Ambulance Benefit

Duly filled and signed claim form.

Photocopy of ID card / Photocopy of current year policy.

Original Bill with Original Payment Receipt.

Treating doctor's consultation prescription indicating Emergency Hospitalisation.

Why Should You Get Health Insurance When You Are Young

Health, medical emergencies, and health insurance are not priorities for young adults. The next new mobile phone or gadget, travel, and other more interesting things take precedence in their lives. However, keeping an eye on the future and securing it has long term payoffs.

Here are some reasons why young need health insurance.

Ever-increasing cost of healthcare: In India, the cost of healthcare has been on the rise and will continue to rise in future. Healthcare inflation increased from 4.39 per cent in 2017-18 to 7.14 per cent in 2018-19. Purchasing health insurance when one is young makes healthcare affordable when they are older and need it most. Insuring at a young age makes premium payments easier as responsibilities are lower, such as children care, home loans, parent care, etc.

Reap the benefits of better coverage for lower premiums: The premiums for young health insurers are low because there are no pre-existing health conditions. Purchasing healthcare gets more challenging with age. The range of plans and the extent of coverage available to the young insurer is also vast. Some plans cover OPD consultations, short procedures, vector-borne diseases, and even maternity expenses. In this day and age, jobs aren't secure. Besides, many people turn to self-employment, business or freelancing when middle-aged. A young insurer can avail of more comprehensive plans that provide higher security in case of unemployment or disability due to illness or accidents.

Waiting period? No problem: All health insurance policies have a waiting period of one to three months before the insurer can make any claims for medical problems. As the chances of any significant health emergency are lower when one is young, this waiting period is inconsequential.

Make the most of bonuses: Health insurance plans offer a no-claim bonus each year. If one starts accumulating the bonuses at a young age, they can be a blessing in case of medical emergencies or when the insurer is old and needs medical attention.

Enjoy the tax benefits: Premiums payments for health insurance are eligible for tax deductions. Thus the burden of paying premiums is reduced for the insurer. Younger you are, the longer you can enjoy the tax benefits of health insurance.

Top Myths About Health Insurance

There are a lot of misconceptions about health insurance and the way it works that often leads to problems at the time of claims settlement. Let's see some of the major myths about health insurance:

I am young and healthy, so I don't need health insurance: A common misconception among people across the world is that the young are all healthy. But statistics from the World Health Organisation (WHO) show otherwise. Approximately 2.6 million young people between the ages of 10 and 24 die every year, and many more suffer from illnesses because of environmental and lifestyle reasons. The options available to them and their choice of lifestyle make them susceptible to both communicable and non-communicable health problems. These health issues can be a result of substance use, injuries, pollution, sexually transmitted infections, unhealthy diets rich in sugars, fat and fast food addictions, work-life balance, and so on. Planning and providing for medical emergencies is essential not just for the middle-aged and the elderly but also for young adults.

Health Insurance is a tax saving instrument: One of the worst things you can do is buy health insurance only to save tax. While the Income Tax Act has a separate section for health insurance, it is to promote the culture of having insurance and not for it to be used solely for tax saving purposes.

My employer provides health insurance, so I don't need one: Most employers today cover their employees through a group cover. However, this may be insufficient, so do check what the terms and conditions are to avail the same. Moreover, if you move from the organisation, you will no longer have the cover.

I am entitled to all policy coverage from Day 1: Most insurance schemes have waiting periods. You must check these before selecting a scheme. In some cases, certain diseases are only covered after a certain time has passed. Maternity plans often have a waiting period of over nine months.

I lose benefits if I don't renew my insurance before the due date: While it is essential to renew your insurance to maintain continuity, you need not worry if you don't meet the deadline. Insurance can be renewed up to 15 days from the due date, and all the benefits will be carried forward into the new year.

Key Tips While Choosing Health Insurance Scheme

There are several health insurance policies in the market, and they seem extremely complicated. It is important to choose the right one before committing to a long relationship with your insurer. At Liberty General Insurance (LGI), we have a transparent system of providing all information about our policies so you can make the right choice.

However, here are some general tips while choosing a medical or health insurance scheme:

Understand your Requirements: At different stages of your life, you may have different requirements or needs. As a young person, you may only need health insurance for yourself or might need to have your parents as dependents. If you are planning to get one for the family, different members may have different requirements. All these need to be kept in mind while selecting an insurance policy.

Assess Coverage Limit: A major mistake that most Indians make is not getting adequate coverage. This can prove to be disastrous, especially given that healthcare costs have been increasing with each passing year. You must inquire about the cost of hospitalisation and the cost of surgeries, etc., before making a rough assessment. Several experts state that if you are living in a tier 1 city, then you should have a coverage of around Rs. 10 lakh.

Buy Health Insurance as soon as possible: As mentioned above, there are clear advantages of buying health insurance when you are young. But this does not mean that you don't take health insurance if you hit middle age. If you don't have insurance, get one as soon as you can to secure your future.

Ensure that you understand the Terms & Conditions: It can't be stressed enough how important this point is. It is not just enough to just read them but also to understand them as a lot of the processes and procedures will become clear. If you don't understand any point, you must check with someone in the insurance company.

Do not furnish inaccurate information: While filling out your application for health insurance, be honest about any health ailments that you may already have. Moreover, if you are a smoker or have other lifestyle habits that may affect your premiums, then do not hide it. All the details furnished need to be correct and true as inadequate information or incorrect information can lead to delayed payment or non-payment of your claim.

Factors That Decide Your Premium

Health insurance premiums increase over time. Here are the major factors that play a role in calculating your premium:

Age: It is the most significant factor in calculating your premium. As mentioned above, it is in your best interest that you buy health insurance while you are young as you are less likely to have pre-existing medical ailments; as a result, your premium can be lower.

Medical History: A pre-existing health condition or ailment is one that you already had before opting for your health insurance policy. If you have such a health condition, it may increase your premium. In case there is a family history of a particular ailment such as diabetes, that too could increase your premium. However, do not make the error of not declaring such ailment as it may lead to a claim being denied in the future.

Location: Generally speaking, if you reside in a Tier 1 city, then your premiums would be higher than what you would pay for the same insurance cover in Tier 2 and Tier 3 city. This is largely because the cost of treatment and hospitalisation is much higher in Tier 1 cities.

Body Mass Index: While calculating your premiums, insurance providers also factor in your body mass index (BMI). Those with a high BMI are at risk of a host of ailments such as high blood pressure, joint pains, hypertension, cardiac conditions and type 2 diabetes.

Lifestyle: If you are a heavy alcohol consumer or consume tobacco regularly, then your premiums could be higher as you will be deemed a high-risk individual. While smoking tobacco can lead to respiratory problems, chewing tobacco could lead to cancer. This is the reason why a higher premium is demanded.

Important Aspects To Check While Buying Health Insurance

Get an adequate sum insured: Several studies and health experts have stated that the majority of Indians that have opted for health insurance are underinsured, i.e. they do not have the cover to meet the expenses in the event of a major illness or a serious accident. This essentially puts them all at risk of financial distress as they may well end up paying a significant amount of the incurred medical expenses from their savings. Factor in all the family responsibilities while keeping in mind other factors like age, healthcare costs as well as location. If you're living in a Tier 1 city, then you need to get a cover of around Rs. 10 Lakhs. In smaller cities and towns, the cover can be slightly lower.

Understand various parameters such as sub-limits, co-payments and waiting periods: Health insurance and medical insurance policies in India have certain parameters that you need to keep in mind before opting for the scheme and understand that ramifications.

Sub-limits:Often a significant bone of contention with the insured and the insurance company, sub-limits are caps on specific aspects of a medical procedure or treatment. This includes room rent, surgeries, ICU charges, operating charges and other medical procedures. This means that for certain specific procedures, one can only avail of a portion of the sum insured and not all of it. You must review the sub-limits of any insurance scheme you opt for.

Co-payment:In a co-payment scenario, you bear part of the claim amount from your finances while the insurance company bears the rest.

Waiting Periods:Another crucial aspect that you must check as many illnesses and procedures may not be covered until a few years. Typically, there is a waiting period of around 30 days after a successful application of insurance that is for all illnesses and surgeries.

Claim settlement process: In the aftermath of an illness or surgery, you should not have to struggle to process a claim and get the reimbursement that is rightfully yours. This is a crucial aspect before choosing any insurance scheme. A convoluted and time-consuming claim settlement process can be mentally and physically exhausting-we at LGI pride ourselves in having a transparent and hassle-free claim settlement process.

Hospital Network of TPA/Insurance Company: Health insurance is useless if you are treated in a hospital that is not covered under your scheme or by your company. Check the list and the details of the hospitals that the insurance company has mentioned. Pay closer attention to the hospitals in your city, in particular those in the vicinity of your home. It is equally important that the insurance company has a vast hospital network

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Health Insurance - Buy medical insurance policy online in India. LGI offers affordable health insurance plan to cover all your medical needs with ✓ 5000+ Hospitals ✓ Tax Benefits ✓ Free Look Period

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Long Term Two Wheeler Insurance Policy online | LGI

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Long Term Two Wheeler Insurance Policy online | LGI

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Buy Long Term Two Wheeler Insurance from Liberty General Insurance & Secure your bike or scooter against unforeseen events. Visit now to know more about Long term two wheeler insurance.

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Scope of Cover: In consideration of the payment of extra premium paid by the insured as mentioned in the policy schedule it is hereby understood and agreed subject to the terms, conditions exclusions and limitations that the Company shall bear the Depreciation amount deducted on the value of the parts replaced as a result of admissible claim under Own Damage Section.

Conditions: a) Insured Vehicle should be repaired at any of Company's authorized Garage.

* For the purpose of this Cover the expression 'admissible claim' shall mean an event or series of events arising out of one cause in connection with the vehicle insured in respect of which indemnity is provided under this policy.
Consumables Cover
Scope of Cover: In consideration of the payment of extra premium paid by the insured as mentioned in the policy schedule it is hereby understood and agreed subject to the terms, conditions exclusions and limitations that the Company agrees to cover expenses incurred towards "those items or substances of specific use which at the time of loss are either totally consumed or deemed unfit for further use in the vehicle" arising out of damage to the vehicle insured and/or to its accessories caused by insured peril under the basic Two Wheeler Package Policy.

Consumables shall mean those items or substances which have specific use and when applied to their respective uses are deemed to be consumed completely and/or are deemed to be unfit for future use. These items include grease, lubricants clip, air conditioner's gas, bearings, engine oil, oil filter, fuel filter, break oil, nut and bolt, screw, washers and the like.

Subject otherwise to the terms, conditions, exceptions and limitations of the policy.
Special Conditions applicable:

a) The cover under this add-on will be available only for vehicles upto the maximum age of ___ years.

b) For any claim to become payable under this add-on, it should be admitted under Own Damage Section of the Policy.

c) All such costs to be supported with proper bills/invoices only from Garages authorized by the company.

d) Such repairs to be undertaken within three (3) days of date of loss.

Gap Value Cover
Scope of Cover: In consideration of the payment of extra premium paid by the insured as mentioned in the Policy Schedule it is hereby understood and agreed subject to the terms, conditions exclusions and limitations that the Company shall pay the "difference amount" between the amount received under Own Damage (OD) Section i.e. Insured Declared Value (IDV) less deductibles under the policy AND price as per purchase invoice OR the current Replacement Value of vehicle if the same make model is available, whichever is less in the event of a Total Theft or Total Loss/ Constructive Total Loss (CTL) of the vehicle.

It also covers the Road Tax and first time registration charges if specifically declared and additional premium is paid.

Maximum liability to the company is limited to the sum insured mentioned in the policy schedule.
Special Conditions applicable to this benefit:

a) The vehicle insured is not more than ___ years old on the date of commencement of the policy period.

b) The Total Theft or Total loss / Constructive Total Loss of the vehicle should be admissible under Own Damage Section of the policy.

c) Insured should be the first registered owner of the vehicle as per RTO records.

d) GAP Value SI = Current Ex showroom price + Registration Charges (if opted) + Road Tax (if opted)

Roadside Assistance Cover
Scope of Cover: In consideration of the payment of extra premium paid by the insured as mentioned in the policy schedule it is hereby understood and agreed subject to the terms, conditions exclusions and limitations that the company shall provide "Roadside Assistance" in case of breakdown of the insured vehicle upon his request, with a maximum of four claims related to any one or more of the following emergency assistance services during the Policy Period through the authorized vendor. The services provided under the Roadside Assistance are as under:
Special Conditions:

a) All additional expenses regarding replacement of a part, additional Fuel and any other service which does not form a part of the standard services mentioned above would be on chargeable basis to the insured.

b) This assistance service shall get initiated based on specific request by the insured.

c) Below service can be availed only once during the policy period:

i. Assistance in case of lost keys

ii. Arrangement of emergency fuel in case the vehicle runs out of fuel

Territorial Scope:
The territorial scope of the Emergency and Additional Assistance Services provided will be within a radius (in Kms) (as mentioned in above given coverage table) from the Place of Breakdown to nearest applicable vendor or cities within the Republic of India excluding islands for the coverage limit mentioned under each service. Cost of Services beyond coverage limits as mentioned against each service shall be borne by the customer.
Engine Safe Cover
In consideration of payment of additional premium, it is hereby agreed and declared that this Policy extends to cover the consequential damage to the internal child parts of the engine of the Insured Vehicle arising out of water ingression / leakage of lubricating oil and/or damage to gear box of the Insured Vehicle arising out of leakage of lubricating oil due to Accidental means. Under this cover, the company will compensate insured for the following:

a) Repair or replacement of the internal child parts of the engine such as pistons, connecting rods, crank shaft and cylinder head.

b) Repair or replacement of the internal parts of the gear box such as gears or shafts in the gear box housing.

c) Labour cost incurred by insured to overhaul the damaged engine and gear box

Conditions:

A) Claims made by insured against Company under 'Engine Safe' are subject to the conditions set forth under the Motor Insurance Policy.

B) Claims made by insured against company under 'Engine Safe' would be admissible if:

I. There is evidence that the Insured Vehicle stopped in water logged area resulting into damage to the internal parts of the engine due to water ingression

II. There is evidence of under carriage damage to engine and/or gear box leading to oil leakage and resulting into damage to internal parts of the engine and/or gear box

III. The loss or damage is not payable under Motor Insurance Policy.

C) In case of transfer of ownership of the Insured Vehicle, the cover under 'Engine Safe' shall expire

Insured's Obligations

I. Insured should avoid driving the Insured Vehicle through water logged area as far as possible. If it is unavoidable, the vehicle should be driven in low gear and/or high engine RPMs.

II. Insured should not try to crank or push start the engine once the Insured Vehicle had stopped in the water logged area or undercarriage damage had taken place.

III. Insured should intimate company to obtain help.

Exclusions
Company will not be liable to indemnify insured for the following:

1. Where a loss is covered under any other type of insurance policy with any other insurer or manufacturer's warranty or recall campaign or under any other such packages at the same time.

2. Any consequential loss apart from the damage to the internal child parts of the engine due to water ingression/ leakage of lubricating oil and/or damage to gear box arising out of leakage of lubricating oil due to Accidental means.

3. Cost of engine oil and consumables in case of flushing of engine.

4. Loss or Damage including corrosion of engine due to delay in intimating company or delay in retrieval of the Insured Vehicle from the water logged area.

5. Where reasonable care has not been taken by insured to protect the loss or damage to the Insured Vehicle.

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Scope of Cover: In consideration of the payment of extra premium paid by the insured as mentioned in the policy schedule it is hereby understood and agreed subject to the terms, conditions exclusions and limitations that the Company shall bear the Depreciation amount deducted on the value of the parts replaced as a result of admissible claim under Own Damage Section.

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Two Wheeler Insurance: Check the best Two Wheeler Annual Bike Insurance Policy

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Two Wheeler Insurance: Check the best Two Wheeler Annual Bike Insurance Policy

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Buy Bike Insurance Policy Annual Plan Online in India and insure your beautiful bike with Liberty General Insurance. Visit now to know more about two wheeler annual bike insurance policy.

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Thanks Manish

Dear Mr. Dharma - I would like to thank your company personnel at the customer services division for their excellent support. Your customer care executive, Manish Bhatia took care of all my queries in a very courteous and professional manner.

Would also like to thank Mr. R Rajkiran from 'Invee Intelligence Private Limited' and Mr. Umesh for taking this issue to closure.

Keep up the good work.

Majid Hashmat

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Thanks Manish Dear Mr. Dharma - I would like to thank your company personnel at the customer services division for their excellent support. Your customer care executive, Manish Bhatia took care of all my queries in a very courteous and professional manner.

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Two Wheeler Insurance Renewal Online - LGI

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Two Wheeler Insurance Renewal Online - LGI

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With Liberty General Insurance you can easily apply for two-wheeler insurance renewal online in simple steps with lowest premium on 2 wheeler insurance in a hassle free manner. Visit now.

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Dear Customer, If you were/are unable to pay the renewal premium of your Motor policy payable between 25/03/2020 to 14/04/2020 due to lockdown, you can now pay the premium till 21st April 2020 to ensure continuous coverage. In case your policy has already expired, for renewal please write to us at care@libertyinsurance.in If your policy is yet to expire you may continue to renew it through our website or LivMobile App.

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Two Wheeler Insurance Renewal | Renew Bike Insurance Online - Liberty General Insurance

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Dear Customer, If you were/are unable to pay the renewal premium of your Motor policy payable between 25/03/2020 to 14/04/2020 due to lockdown, you can now pay the premium till 21st April 2020 to ensure continuous coverage.

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Two-wheeler insurance is an insurance plan focused on protection and coverage for bikes. Visit now at LGI to know more about bike insurance quotes.

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Get New Bike Insurance |Two Wheeler Quote Online - Liberty General Insurance

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Check the affordable bike and 2 wheeler insurance quote is now easier with Liberty General Insurance. Get a Bike Quote with best prices & Premium Now.

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Two Wheeler Insurance: Buy Bike Insurance Policy Online | LGI

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Two Wheeler Insurance: Buy Bike Insurance Policy Online | LGI

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The bike insurance policy also protects the owner and will make up for injuries caused by bicycle collisions. Visit LGI to know more about two wheeler insurance.

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Liberty General Insurance is a leading general insurance provider in India, with over 91% of all two-wheeler claims settled in the last financial year. Over 1200 dedicated employees, spread across over 110 locations in 29 states and 95 cities in India, provide comprehensive and dedicated support to service all your insurance needs. With over 4300 partner garages and 5000+ partner hospitals as part of an ever-growing network, Liberty General Insurance continues to increase its reach and influence in India while offering solutions to customers across a broad spectrum. Other offerings from Liberty General Insurance include health and personal accident insurance, car insurance, employee compensation insurance, commercial insurance, marine insurance, and fire, and engineering insurance, along with a host of customisable insurance products.

The insured declared value (IDV) of motorcycles, bikes, and scooters is the sum insured coverage provided as part of the bike insurance policy. The IDV is always based on the selling price listed by the manufacturer of the vehicle, the brand, and the model or variant at the time of commencement of the insurance policy or during renewal. This amount is also adjusted for depreciation.

IDV represents the current market value of your motor vehicle. When a claim is made, this is the maximum amount that can be expected by the insured party.

Understanding how to calculate your two-wheeler insurance premium on the Liberty General Insurance website is easy:

You can click here to navigate directly to the page or go to the homepage.

From there, you can click on the two-wheeler tab and select the buy online or renew LGI policy button, depending on your requirement.

After this, you will need to provide some necessary information about the motorcycle, its make, and some contact details and personal information.

You can then access the quote for your motorcycle based on the information provided by you.

As part of the new digital initiatives at Liberty General Insurance, you can also choose to receive updates on your policy after purchase directly via WhatsApp.

You can also reach out to our customer support teams with queries related to your two-wheeler insurance premium.

In India, it is mandatory to have at least third-party insurance cover, to protect against damage caused to others or their property in case of an accident. Third-party insurance cover is one of the main types of bike insurance available in the country. It protects the insured party from legal liabilities associated with the death/disability to third parties. Motorcycle insurance also secures the insured party against damage or loss caused to property. These policies also provide personal accident coverage for the insured party. There is no payout under third party cover when the motorcycle is lost, stolen, or damaged.

With effect from September 2018, the sum insured is now increased to Rs.15 lakh, rather than the original Rs.1 lakh.

Third-party liability for new vehicles is mandatory for a term of at least 5 years. Personal accident cover can be availed for a minimum of 1 year to a maximum of five years.

Personal accident coverage for the insured party is payable regardless of the vehicle in use at the time of the claim. So for people with more than one vehicle, motorcycle insurance, which includes personal accident cover, would automatically be in effect in case of accidents, regardless of the vehicle they were using at the time.

To learn more about the third party insurance policies available with Liberty General Insurance, click here.

Comprehensive motorcycle insurance policies are different, ad cover the liabilities covered by third party insurance while also offering additional protection to the two-wheelers and the insured party. There may be add-ons which are added to the comprehensive cover for two-wheeler insurance, and those that opt for long-term comprehensive motorcycle insurance policies may also have additional benefits such as:

Premium rate hike protection - where insurance charges do not rise dramatically

No claim benefit - where if no claims are made during the policy period, a rebate is offered on renewal

Long-term coverage - where one-time payments provide security for a period longer than one year.

If you would like to learn more about Liberty General Insurance's comprehensive motorcycle insurance policies, click here.

Buying bike insurance online offers a host of benefits such as:

Time savings - Think of a time when you had to go specifically to a branch to get your insurance. Thanks to two-wheeler insurance online, you can now smoothly insure your vehicle from the comfort of your smartphone or computer at your convenience.

Safety and security - When you submit your two-wheeler insurance information online, it remains completely safe and secure. With multiple protections to safeguard your data and financial details, providing data and making payments towards your two-wheeler insurance online is easier than ever before.

Customisation - If you want to purchase add-ons along with your two-wheeler insurance online, you can do so with ease.

Switching insurers - If you get a more competitive offer from another insurance provider or feel that better coverage is being offered, you can easily switch your insurance policy over to the other organisation at the time of renewal.

Transparency - All the details are available at the time when you purchase bike insurance online. This visibility ensures that you know all the terms and conditions and that no undue influence is exerted when you apply for your insurance.

(The term two wheeler referred to in this Policy will include motor cycle/scooter/auto cycle or any other motorized two wheeled vehicle mentioned in the Schedule.) Now This Policy Witnesseth: That subject to the Terms Exceptions and Conditions contained herein or endorsed or otherwise expressed hereon.

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Two Wheeler Insurance - Buy / Renew Bike Insurance Policy Online | Liberty General Insurance

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Two Wheeler Insurance - Now buy Online Two Wheeler Insuarance for Old and New Motorbikes at an attractive price. LGI offers easy to apply bike insurance policy in India with facilities like ✔cashless claims, ✔ cover for third-party liability, and ✔ roadside assistance coverage. Apply now!

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It takes just a few minutes to buy or renew car insurance online. You just have to enter the vehicle details, contact info, and insured details. Visit now at LGI to know more about Car Insurance Renewal.

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Dear Customer, If you were/are unable to pay the renewal premium of your Motor policy payable between 25/03/2020 to 14/04/2020 due to lockdown, you can now pay the premium till 21st April 2020 to ensure continuous coverage. In case your policy has already expired, for renewal please write to us at care@libertyinsurance.in If your policy is yet to expire you may continue to renew it through our website or LivMobile App.

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Motor Car Insurance Renewal - Renew Four Wheeler Insurance Online - Liberty General Insurance

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Dear Customer, If you were/are unable to pay the renewal premium of your Motor policy payable between 25/03/2020 to 14/04/2020 due to lockdown, you can now pay the premium till 21st April 2020 to ensure continuous coverage.

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Get the best & cheap car insurance quotes online and avail the best offeres. Visit now at Liberty General Insurance and get the best car insurance quotes.

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Get New Car Insurance Quote Premium & Prices Online - Liberty General Insurance

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Get the affordable new car insurance quote is now easier with Liberty General Insurance. Get a 4 wheeler Quote with best prices & Premium Now.

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Car Insurance is a required policy that pays for damage to your vehicle caused by unforeseeable occurrences like theft, collisions, etc. Visit now at LGI to know more about Car insurance.

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Car Insurance: Buy / Renew Private Car Insurance Policy Online in India | Liberty General Insurance

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Car Insurance Online - Buy car insurance or renew your existing four wheeler insurance policy with LGI companies in India. Our private car policy provides protection to the Old and New Car against damages & any third party liability as determined by the law. Get instant quotes now!

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General Insurance: Buy Online General Insurance Plans In India | LGI

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General Insurance: Buy Online General Insurance Plans In India | LGI

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General Insurance: LGI is among India's leading general insurance companies in India. Explore our wide range of insurance policies such as Car, bike, and Health insurance.

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Car Insurance

Liberty General Insurance offers various online insurance policies
and car insurance renewal policies

Two Wheeler Insurance

Liberty General Insurance Offers Two Wheeler Annual and Multiyear policies.

Health Insurance

Your responsible health insurance companion,
for best health care

Individual Personal Accident

Life is Precious, Secure it.

Helping people live safer, more secure lives"

5800+ Partner Hospitals

Illness does not wait for you to get home before affecting you. That is why Liberty General Insurance has a huge network of partner hospitals spanning the entire country, making sure that you can receive the required healthcare assistance, no matter where you are.

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5500+ Partner Garages

The point of having a vehicle is to travel. And when you travel, a breakdown can plague you anywhere. That is why Liberty General Insurance has partnered with more than 5500 garages, spread across the length and breadth of the country, so that you may get your car troubles addressed without worrying about financial repercussions.

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110 Offices all over the India

You can visit the Liberty General Insurance offices, which are spread over 90 locations, where trained agents can help you find the right coverage for your requirements. No matter what help you require, a Liberty General Insurance agent can assist you in finding the perfect insurance solution.

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Awards

At Liberty General Insurance, with each passing year, we have improved our promises by providing the finest insurance services to our customers, for which, we've been awarded some prestigious recognition through -

1. "Rising star Insurer" title at the Indian Insurance Awards

2. "Employer of Choice" by Excellence Awards

3. "Best Emerging Organization in BFSI" by Patel Group & Co

4. SAP Pinnacle Awards 2015

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Testimonials

Thanks for all the effort you made.

I really appreciate the work and dedication you have shown to your clients. Let me confess, I was not interested in liberty, but the dedication and promptness you have shown, made me change my mind. Wish you all the best,

keep this zeal high.

Ritesh

Many thanks for your support.

I place on record my sincerest appreciation for settling my claim with such a lightning speed.

Honestly, I did not expect that I would be getting the refund so quick.

Thanks again,

SS Janakarajan

Dear Akash,

Good day...!

We are thankful for your esteemed support in receiving the Insurance amount for our Stationary store, which was under serious damage during the Kerala flood happened in August 2018. We have restarted the business and we are appreciating the timely support from your insurance company in recovering our losses..!

Raveendran Nair

Thanks for your quick response for liberty policy to my vehicle.

I appreciate your personal care and communication.

Manju Mukesh

Media Centre

Liberty Mutual Insurance Group Announces
New Joint Venture Partnership for Indian
Company

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Articles

Difference between Multi Year & Single Year Two-wheeler Insurance

Chances are that you are among a large number of people who forget to renew their vehicle insurance ....

Why Liberty General Insurance

"Helping people live safer, more secure lives"

5800+ Partner Hospitals

Illness does not wait for you to get home before affecting you. That is why Liberty General Insurance has a huge network of partner hospitals spanning the entire country, making sure that you can receive the required healthcare assistance, no matter where you are.

Know More

5500+ Partner Garages

The point of having a vehicle is to travel. And when you travel, a breakdown can plague you anywhere. That is why Liberty General Insurance has partnered with more than 5500 garages, spread across the length and breadth of the country, so that you may get your car troubles addressed without worrying about financial repercussions.

Know More

94% Claim settlement ratio FY'2019-20

Though a minor car accident or hospital admission for some illness can be an emotional experience, we can assure that our claim process will not be. Our team of agents can help you with all that you need to do to put in a claim, making sure that the entire process is hassle-free.

110 Offices all over the India

You can visit the Liberty General Insurance offices, which are spread over 90 locations, where trained agents can help you find the right coverage for your requirements. No matter what help you require, a Liberty General Insurance agent can assist you in finding the perfect insurance solution.

Know More

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Liberty General Insurance: Help People Live Safer with More Security

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Liberty General Insurance offers various online insurance policies and car insurance renewal policies Liberty General Insurance Offers Two Wheeler Annual and Multiyear policies. Your responsible health insurance companion,for best health care Life is Precious, Secure it. Illness does not wait for you to get home before affecting you.