Liberty General Insurance is one of the leading insurance providers in India, offering a wide range of insurance products and services to its customers. With its robust online presence, it has emerged as a popular choice among customers who are looking for reliable and affordable insurance solutions.
What is Liberty General Insurance?
Liberty General Insurance, also known as LGI, is a joint venture between Liberty Citystate holdings PTE Ltd, a group company of US-based Liberty Mutual Group, and India’s leading industrialist, Mr. GD Birla. Founded in 2013, the company has a pan-India presence with over 1600 employees and 60 offices across the country. Its product range includes health, personal accident, motor, fire, engineering, marine, and liability insurance.
What are the key features of Liberty General Insurance?
Liberty General Insurance prides itself on its customer-centric approach, and its products are designed to provide maximum coverage at an affordable price. Here are some of the key features of the company:
Features |
Benefits |
|---|---|
Quick and easy online purchase |
No need to visit a branch or agent’s office |
24/7 customer support |
Assistance available round the clock |
Wide range of insurance products |
Covers different aspects of life and business |
Claims settlement within 7 days |
Fast and hassle-free claims process |
Attractive discounts and offers |
Save money on premiums |
What are the different types of insurance products offered by Liberty General Insurance?
Liberty General Insurance offers a wide range of insurance products and services to cater to different needs and requirements. Here is a brief overview of the products:
Health Insurance
Liberty Health Connect is a comprehensive health insurance plan that covers medical expenses incurred due to illness or accident. It provides coverage for hospitalization, day-care procedures, pre and post-hospitalization expenses, and critical illness treatment. The plan also offers cashless hospitalization facility and coverage for pre-existing diseases after a waiting period of 3-4 years.
The plan comes with different sum insured options, ranging from Rs. 2 lakhs to Rs. 1 crore, and offers lifetime renewability. It also provides tax benefits under Section 80D of the Income Tax Act.
Personal Accident Insurance
Liberty Personal Accident Policy provides coverage against accidental death, disability, and dismemberment. The plan provides financial assistance to the insured or his/her family in case of accidental death or disability due to an accident. It also covers expenses incurred due to hospitalization and medical treatment.
The plan offers different sum insured options, ranging from Rs. 1 lakh to Rs. 1 crore, and provides worldwide coverage. It also provides additional benefits like child education support, ambulance charges, and funeral expenses.
Motor Insurance
Liberty Car Insurance is a comprehensive insurance plan that covers damages caused to the insured vehicle due to accident, theft, fire, or natural calamities. It also provides coverage against third-party liabilities, i.e., damages caused to a third party due to the insured vehicle. The plan comes with additional benefits like 24×7 roadside assistance, personal accident cover for the owner-driver, and cashless claim settlement at network garages.
The plan offers different types of coverage, including third-party liability, comprehensive cover, and standalone own-damage cover. It also provides add-ons like zero depreciation cover, engine protect cover, and return to invoice cover.
Fire and Engineering Insurance
Liberty Fire Insurance provides coverage against damages caused to the insured property due to fire, lightning, explosion, or natural calamities. It covers both residential and commercial properties and provides additional benefits like loss of rent, alternative accommodation expenses, and terrorism cover.
Liberty Engineering Insurance provides coverage against damages caused to the insured property due to mechanical or electrical breakdown, accidental damage, or human error. It covers different types of engineering projects, including construction, installation, and operational risks.
Marine Insurance
Liberty Marine Insurance provides coverage against damages caused to the insured property or cargo during transit by sea, air, or land. It covers different types of marine risks, including hull and machinery, cargo, and liability. It also provides additional benefits like delay in start-up cover and war and strikes cover.
Liability Insurance
Liberty Liability Insurance provides coverage against legal liabilities arising due to accidental damages caused to a third party’s property or person. It covers different types of liabilities, including public liability, product liability, and professional indemnity. It also provides additional benefits like directors and officers liability cover and cyber liability cover.
How to buy Liberty General Insurance online?
Buying Liberty General Insurance online is a quick and easy process. Here are the steps to follow:
Step 1:
Visit the official website of Liberty General Insurance.
Step 2:
Select the type of insurance product you want to buy.
Step 3:
Enter the required details, such as your name, contact number, email ID, etc.
Step 4:
Select the sum insured and coverage options as per your requirement.
Step 5:
Review the policy details and premium amount. Make the payment online using your preferred payment mode.
Step 6:
The policy document will be sent to your registered email ID. You can also download the same from the website.
What is the claims process for Liberty General Insurance?
Liberty General Insurance has a fast and efficient claims process to provide timely assistance to its customers. Here are the steps to follow:
Step 1:
Inform the company about the claim by calling their helpline number or sending an email to the claims department.
Step 2:
Submit the required documents, such as the policy document, FIR copy, medical reports, bills, etc.
Step 3:
The company will verify the claim and approve the same if found genuine.
Step 4:
The claim amount will be disbursed to the insured’s bank account within 7 working days.
What are the customer reviews for Liberty General Insurance?
Liberty General Insurance has received positive reviews from its customers for its prompt and efficient services. Its online presence and easy-to-use website have also received appreciation from customers. Here are some customer reviews:
Customer review 1:
“I purchased Liberty Health Connect for my family, and I am extremely satisfied with the coverage and benefits offered. The claims settlement process was also very smooth, and the customer support team was very helpful.”
Customer review 2:
“I had to make a claim for my car insurance due to an accident, and the process was very easy and hassle-free. The company settled the claim within a week, and I was back on the road without any delay.”
Customer review 3:
“I bought Liberty Personal Accident Policy, and it provided financial support to my family when I met with an accident. The policy covered all the medical expenses, and the claims process was very quick.”
Conclusion
Liberty General Insurance is a reliable and customer-friendly insurance provider that offers a variety of insurance products and prompt services. With its robust online presence, it has made insurance buying and claims settlement a hassle-free experience for customers. Its wide range of products cater to different needs and requirements, making it a preferred choice among customers. So, if you are looking for an insurance provider that offers maximum coverage at an affordable price, Liberty General Insurance is the way to go!