Liberty Health Insurance vs SBI General Health Insurance

When you need financial support in life where do you go apart from relying on your income? Do you take loans from banks or favours from loved ones? Or do you depend on your investments or savings? What if you learned that there is an alternate, much more convenient way to receive support called health insurance. Find out how health insurance can help you with this Liberty Health Insurance and SBI General Health Insurance comparison. 

Liberty Health Insurance vs SBI General Health Insurance – Overview 

ParameterLiberty Health InsuranceSBI General Health Insurance
No. of health insurance policies10+10+
E-servicesPolicy salePolicy renewal Claim settlement Branch locatorOnline consultation24x7 customer support Policy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer support
Branches11022,000+
Claim settlement ratio (CSR) 91%59.42%
Hospital network5,000+6,000+

Source:  Insurance Regulatory and Development Authority of India’s Annual Report (IRDAI) – 2019-20

Health Insurance Policies: Liberty Health Insurance vs SBI General Health Insurance

Both, Liberty Health Insurance and SBI General Health Insurance offer over 10 health insurance policies for individual, familial, and senior citizen needs. They also have over 5000 hospital networks across India, so you can walk into a hospital of your choice and get instant medical care.  

Top-up Insurance Policy: 

Liberty Health Insurance’s Top-up Policy called ‘Health Connect Supra’ offers: 

  • 2 sub-policies – Top-up and Super Top-up
  • Sums insured (SI) up to Rs. 1,00,00,000
  • Deductible amounts up to Rs. 40,00,000 for co-payment of the SI 
  • Worldwide coverage for: 
  • Pre and post-hospitalization
  • In-patient hospitalization
  • 405 daycare procedures
  • AYUSH treatments that include:
  1. Ayurveda
  2. Unani
  3. Siddha
  4. Homeopathy
  • Loyalty perks and reload of the SI on exhaustion
  • Optional covers for:
  • Medical monitoring
  • Case management 
  • Medical consultations
  • Medical evaluations

SBI General Health Insurance’s Top-up Policy called the Arogya Top-up Policy offers:

  • SI up to Rs. 50,00,000
  • Deductible amounts up to Rs. 10,00,000 for co-payment of the SI 
  • Insurance coverage for
  • Pre and post-hospitalization 
  • In-patient hospitalization  
  • Nursing care expenses 
  • Domiciliary hospitalization 
  • 141 daycare procedures
  • Organ donor expenses
  • In-patient physiotherapy 
  • AYUSH treatments 
  • Maternity needs after 9 months 
  • HIV/ AIDS treatment
  • Mental illnesses and their treatment 
  • Internal congenital diseases
  • 12 advanced treatments 
  • Genetic disorders 
  • Medicines and consumables 
  • Ambulance charges up to Rs. 5,000 per hospitalization
  • Restoration of the SI on exhaustion 

Critical Illness Policy: 

Liberty Health Insurance’s Critical Illness Policy called ‘Critical Connect’ offers: 

  • SI up to Rs. 1,00,00,000
  • 100% payout of the SI on the diagnosis of a policy listed critical illness 
  • Coverage for up to 60 critical illnesses and surgical procedures including: 
  • Cancer
  • Bacterial meningitis 
  • Loss of speech 
  • Third-degree burns 
  • Heart transplant 
  • Angioplasty 
  • Brain surgery 
  • Coverage for:
  • Two subsequent critical illnesses during the insured’s lifetime 
  • The insured’s EMI payments 

SBI General Health Insurance’s Critical Illness Policy provides:

  • SI up to Rs. 50,00,000
  • 100% payout of the SI upon the first diagnosis of a policy listed critical illness 
  • Coverage for 13 critical illnesses and surgical procedures such as: 
  • Cancer
  • Stroke 
  • Hypertension
  • Multiple sclerosis 
  • End-stage kidney failure
  • Heart valve surgery 
  • Aorta graft surgery 
  • Major organ transplant 

Daily Hospital Cash Policy: 

Liberty Health Insurance’s Daily Hospital Cash Policy called ‘Hospi-cash Connect’ offers: 

  • Daily cash benefits up to Rs. 10,000 for up to 30 days of hospitalization
  • Twice the benefit amount for hospitalization of the insured in the intensive care unit (ICU)
  • Twice the benefit amount for hospitalization of the insured due to any sickness/ accident 
  • 5 times the benefit amount towards a post-hospitalization recovery benefit 
  • 15 times the benefit amount towards convalescence benefits
  • Up to Rs. 50,000 for minor surgical procedures
  • Up to Rs. 2,00,000 for major surgical procedures

SBI General Health Insurance’s Daily Hospital Cash Policy offers: 

  • Daily cash benefits up to Rs. 2,000 for up to 60 days of hospitalization
  • Twice the benefit amount for hospitalization of the insured in the ICU 
  • Twice the benefit amount for hospitalization of the insured due to an accident 
  • Up to Rs. 5,000 towards convalescence benefits
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