Reliance Health Insurance Vs Liberty Health Insurance

It is a myth that health insurance is a luxury, when in fact it qualifies as a bare necessity, especially with a global pandemic in vogue. There is always a health insurance plan out there to match your needs and financial capacity. A little research on the internet is all it takes to find the right policy. Here is a Reliance Health Insurance and Liberty Health Insurance comparison guide to help you get started.

Reliance Health Insurance versus Liberty Health Insurance – Overview

ParameterReliance Health InsuranceLiberty Health Insurance
Number of health insurance plans119
E-servicesPolicy sale
Policy renewal
Claim settlement
Online doctor consultation
Branch locator 
24×7 customer care
Policy sale
Policy renewal
Claim settlement
Online doctor consultation
Branch locator 
24×7 customer care
Branches139+110
Claim settlement ratio94%91%
Claim settlement timeWithin 2 days of intimationWithin 7 days of intimation
Hospital network7,300+5000+

*Source: IRDAI Annual Report, 2018-19 

Health Insurance Plans: Reliance Health Insurance versus Liberty Health Insurance

Reliance Health Insurance has 11 health insurance plans. Their plans provide extensive coverage against critical illnesses, accidents, COVID-19 and other health eventualities. They can be availed of by individuals, families, senior citizens and corporate groups.

Liberty Health Insurance has 9 health insurance plans. Their plans cover accidents, critical illnesses and COVID-19, among other eventualities. They provide coverage on an individual and family floater basis. 

Compiled below is a 3-plan comparison guide of Reliance Health Insurance and Liberty Health Insurance. Pick the one offering you the ideal terms. 

Individual and Family Health Insurance Plans

Reliance Health Insurance offers Health Gain, Health Wise and Health Infinity – 3 individual and family-centric health insurance plans. They offer: 

  • Sum insured (SI) up to Rs.1 crore (Health Infinity)
  • Coverage for pre, post and in-patient hospitalization expenses 
  • Coverage for domiciliary hospitalization and AYUSH treatment
  • Coverage for organ donor expenses, day-care procedures and robotic surgery 
  • Coverage for road ambulance services

Liberty Health Insurance offers Liberty Health Connect, Health Connect Supra and Secure Health Connect – 3 individual and family-centric health plans. They offer:

  • SI amount up to Rs.1 crore (Health Connect Supra)
  • Coverage for pre, post and in-patient hospitalization expenses
  • Coverage for 400+ daycare procedures and organ donor transplantation
  • Coverage for AYUSH treatment and domiciliary hospitalization 
  • Coverage for emergency road ambulance services, second opinion and health check-up

Personal Accident Health Insurance: 

Reliance Health Insurance’s Personal Accident Plan offers:

  • SI options between Rs.5 lakh and Rs.20 lakh
  • 100% payment of SI upon death caused by accident
  • 50%-100% payment of SI upon permanent total disability caused by accident
  • A child education benefit 
  • Waiver of pre-policy medical tests
  • Worldwide coverage at low premium rates

Liberty Health Insurance’s Personal Accident Plan offers:

  • Compensation for death permanent total/partial disablement and temporary total disablement caused by accident.
  • Coverage for hospitalization expenses, ambulance services, funeral expenses (including ceremonial expenses and repatriation of mortal remains)
  • A child education benefit 
  • Optional add-on covers of lifestyle support, outstanding bills protection benefit, family transportation benefit, loan protector, etc.

COVID-19 Health Insurance: 

As per the mandatory directive of the IRDAI, every insurance company now provides coverage against COVID-19. The Corona Kavach and Corona Rakshak plans offer standard coverage at affordable premium rates against Corona related expenses. 

Both, Reliance Health Insurance and Liberty Health Insurance offer a Corona Kavach Policy. They can be availed on an individual and family floater basis for a fixed term of 3.5, 6.5 or 9.5 months. 

Reliance Health Insurance’s Corona Kavach Policy offers: 

  • SI options between Rs.50,000 and Rs.5 lakhs
  • Coverage for in-patient hospitalization expenses 
  • 15-day pre-hospitalization cover and 30-day post-hospitalization cover
  • 14-day coverage for homecare treatment 

Liberty Health Insurance’s Corona Kavach Policy offers: 

  • SI options between Rs.50 thousand and Rs.5 lakhs
  • Coverage for pre, post and in-patient hospitalization expenses
  • Coverage for AYUSH treatment and homecare treatment 
  • Optional add-on of daily hospital cash allowance (up to 0.5% of SI)

The aim of this Reliance Health Insurance versus Liberty Health Insurance comparison guide is to help you pick a health insurance plan in sync with your lifestyle and needs. For further guidance, you can always contact a professional insurance expert to help you choose health insurance.

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