HDFC ERGO General Health Insurance vs Liberty Health Insurance

With the rising cost of healthcare and the increase in the incidences of lifestyle diseases, it is crucial to have a proper health insurance plan. It keeps you and your loved ones covered against the financial burden of medical care. Comparing health plans offered by different health insurance providers helps you find the health plan that suits your needs and your budget best. You can start with this HDFC Ergo General Health Insurance and Liberty Health Insurance comparison guide.

HDFC Ergo General Health Insurance versus Liberty Health Insurance – Overview 

ParameterHDFC Ergo General Health InsuranceLiberty Health Insurance
Number of health insurance plans10+9
E-servicesPolicy sale
Policy renewal
Claim settlement
Online consultation
24×7 customer service		Policy sale
Policy renewal
Claim settlement
Online consultation
24×7 customer service
Branches100+110
Claim settlement ratio92%91%
Network Hospitals 10,000+5,000+

*Source: IRDAI Annual Report 2018-19

Health Insurance Policies: HDFC Ergo General Health Insurance versus Liberty Health Insurance

HDFC Ergo has 10+ health insurance policies for individual, family, maternity, parental and senior-citizen needs. They cover critical illnesses, accidents, and COVID-19, among other eventualities. 

Liberty Health Insurance has 9 health insurance policies covering accidents, critical illnesses and COVID-19, among other eventualities. The policies can be availed on an individual and family floater basis. 

This comparison of HDFC Ergo General Health Insurance and Liberty Health Insurance’s three most popular health plans will help you pick your ideal insurance plan and provider.

Family Floater Policy: 

HDFC Ergo offers Optima Restore as a family health policy that provides:  

  • Sum insured (SI) amount up to Rs.50 lakhs
  • A 100% SI restore benefit 
  • Coverage for pre, post and in-patient hospitalization expenses 
  • Inclusion of day-care procedures, organ donor expenses and domiciliary treatment 
  • Reimbursement for modern treatments like robotic surgeries, stem cell therapy, and chemotherapy
  • Extended coverage for genetic disorders, neurodegenerative disorders, and peritoneal dialysis
  • Ambulance expenses cover, recovery benefit and daily hospital cash allowance 

Liberty Health Insurance offers Health Connect, Health Connect Supra and Secure Health Connect – three family-centric insurance plans offering:

  • SI amounts up to Rs.1 crore and reload of SI 
  • Coverage for pre, post and in-patient hospitalization charges, 400+ daycare procedures, and organ transplant donor
  • Inclusion of alternate (AYUSH) and domiciliary treatments 
  • Recovery benefits, health check-ups and loyalty perks 
  • Waiver of the pre-policy medical test up to the age of 55 

Personal Accident Policy:

HDFC Ergo Personal Accident Policy is available on an individual and family floater basis. It offers:

  • Lump-sum payouts of the entire SI on accidental death and permanent total disability
  • Coverage for fractures, second and third degree burns, permanent partial and temporary total disability 
  • Reimbursement for emergency ambulance services
  • Provision of daily hospital cash allowance 
  • Worldwide coverage 
  • Waiver of pre-policy medical test

Liberty Health Insurance Personal Accident Policy offers coverage offers:

  • Coverage for accidental death, broken bones, permanent total or partial disability, and temporary total disability 
  • Child education benefits, life support assistance, and daily hospital cash allowance 
  • Reimbursement for repatriation, transportation and funeral expenses 
  • Coverage for ambulance charges 

Corona Kavach Policy: 

COVID-19 has been rampant for a year now. Since its onset, the IRDAI mandated all insurance companies across India to provide coverage against the disease. In line with this directive, the Corona Kavach and Corona Rakshak policies are being issued. 

Both HDFC Ergo General Health Insurance and Liberty Health Insurance provide these policies. They share several common features, offering: 

  • SI amounts between Rs.50,000 and Rs.5 lakhs
  • Reimbursement for pre, post and in-patient hospitalization 
  • Inclusion of alternate (AYUSH) treatment and homecare treatment 
  • Fixed policy terms of 3.5, 6.5 or 9.5 months 
  • Coverage for treatment of any COVID-19 comorbidities 

This HDFC Ergo Health Insurance versus Liberty Health Insurance comparison guide will help you select a provider and plan matching your health needs and financial capacity. For more clarity, reach out to a professional insurance expert prior to purchasing health insurance.

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