Liberty General Insurance Company
Liberty General insurance is a joint venture between independence of the Citystate Holdings PTE and Enam Securities. Incorporated back in 2013, it offers inclusive retail, commercial and industrial insurance products. The Company is present in 29 states and its employee base is more than 1200 + spread in 110 towns and cities in India. They have tied up with 4000+ and more cashless garages and 5000 network hospitals.
Customer service is the best of their standards and they adhere to technology innovation to improve the process. With the reputation of the most transparent people in every deal, they have not failed in anything.
Vision
To become the best soulful decision of insurer in this nation
Mission
Liberty general Insurance dreams of being the most admirable and trusted insurance companies in India. They are optimistic about establishing enduring values and empowering all their workers.
Awards and Honours
- The best emerging insurance company award in the fiscal year 2021 announced by Asia
- The world leadership congress award business Leader of the year 2021.
- Patel Group & Co and has been recognized as a Best Emerging Organization in BFSI
- Insurer of the year Rising star at the Indian Insurance Awards
Liberty Insurance In-Depth Review and Guide 2025
Liberty Insurance is not a new face in the Indian insurance sector and they offer a trusted cover in motor insurance, health insurance, travel insurance, home insurance and commercial insurance. Significance of choosing the right insurance is greater in 2025 than ever before with new challenges and threats to families and business. Be it that you are in the financial safety quest or you desire to save your savings against any untimely incident, Liberty Insurance is the right insurance provider with out-of-the-box solutions.
What is Good About Liberty Insurance Come the Year 2025?
Liberty is known to have customer centric policies as well as ease of claim settlement. They direct their policies to the changing demands of people and corporate in India. Liberty is a company that has won the trust of lakhs of policyholders of India through digital first approach, paperless services and competitive premiums.
What Can Liberty Insurance do to accommodate Contemporary Indian Policyholders?
Liberty Insurance has a broad range of products that amalgamate adaptability and worth. Their health cover covers widely pre hospitalisation and post hospitalisation costs in their health insurance plans. Liberty motor insurance provides coverage on both personal and business vehicle insurance and other benefits such as roadside assistance cover. To business and residential property owners, Liberty offers policies to guard property against natural disasters and man made hazards.
That, you did know? The latest IRDAI statistics show that Liberty Insurance has a health insurance claim settlement ratio of above 98 percent in FY 2023 24, a fact indicating that it is a highly reliable company in the process of settling claims.
The Ease of Purchase and management of a Liberty Insurance Policy
The digital scope is very strong and buying as well as renewing of policies in Liberty Insurance is very convenient. The Liberty General Insurance mobile app or the Liberty General Insurance web site enables policy holders to buy, renew and claim their policy. These online services have simplified life particularly to customers who are technological.
What Are the Documents One Needs to Purchase the Liberty Insurance in India?
You have to do little paperwork to purchase the majority of Liberty Insurance products. In the case of health and motor insurance:
- Identity like Aadhaar Card, PAN Card
- Sevices evidence such as utility bill or voter ID
- Motor insurance certificate of registration plate of vehicle
- Passport size picture
There may be a medical examination or extra documentation for greater coverage or separate policies.
What Is the Importance of Digital Service On Insurance Customers?
In 2025, an increasing number of Indians would like to do everything with their smartphones. Liberty Insurance’s digital services make buying, managing, and claiming insurance fast and error free. They have 24 x 7 resolution through their chat support, email assistance and toll free helpline.
Industry analysts also foresee that by 2027, almost 80 percent of insurance buying in Tier 1 Indian cities will be occurring completely online where there is no paper involved.
Which are the Policies of Liberty Insurance?
Liberty Insurance offers all kinds of insurance policies to individuals, families, and businesses:
- Health Insurance: family floater, individual, senior citizen, and disease specific plans
- Third party, comprehensive and two wheeler insurance policies Motor Insurance:
- Travel Insurance: Cover of national travel and travel abroad
- Home Insurance: Fire, theft, flood and natural disasters are covered
- Commercial Insurance: Property, liability and medical health of employees
- Specialty Insurance: Suited to startups and small business Chapter 7 of the WCA was amended to create Speciality Insurance especially suited to small businesses and startups.
What Liberty Health Insurance Plan Will be Best Suited to the Average Indian Family in 2025?
One such preferred plan in 2025 is liberty HealthPrime Connect, that covers the pre existing diseases within 2 years, offers free health check ups and cover as low as 3 lakhs to maximum up to 1 crore rupees. This qualifies it to be an appropriate choice to instances of nuclear family and joint family, which require all round medical protection.
| SLB | 50,000 | 50,000 | 00 years | 4 weeksantd 0 Any US Patient Specialist spokesperson for the following condition: |
|---|---|---|---|---|
| HealthPrime Connect | 3 | 25 lakh, 50 lakh, 1 crore | Pre and post hospitalisation, AYUSH, No claim bonus | 2 years |
| Secure health connect | 5 | 15 lakh | OPD cover, free checkup, family discount, | 3 years |
Which Add Ons are Available to Be Purchased with Liberty Motor Insurance?
Liberty Motor Insurance gives you opportunity to purchase add-on covers to have a wider protection:
- Zero depreciation cover
- Roadside assistance
- Engine covered protection
- Consumable cover
- No claim bonus cover
That, you did know? In 2025, about 40 percent of the customers will include the zero depreciation and roadside assistance cover on their Liberty Motor policies to ensure a total peace of mind.
What are the main features and highlights of liberty insurance policies?
The key highlights on the products separating Liberty Insurance in the year 2025 are as follows:
- Both health and motor fierce premiums
- More than 8,900 hospitals network along with cashless network in India
- Health insurance claims settlement ratio stands at 98 percent.
- Adjustable sum assured and variant policy period
- An online registration of claims On online tracking of claims
- ID cards issued and policies instant within WhatsApp or email
- Family and Long term policy discounts
- Tax waiver on Section 80D and 80C
What is the Claims Settling Speed of The Liberty Insurance?
According to the 2024 statistics, Liberty Insurance fulfils most of their health insurance cashless claims in 2 hours. Claims on reimbursement are paid in the span of 5-7 working days once the documents are submitted.
Which are the Exclusions and Limitation in Liberty Policies?
All insurance policies have exclusions. Examples of notable exclusions in Liberty Insurance are:
- Plastic and cosmetic surgery
- Harm as a result of criminal activities
- Pre existing illness during first 2 -3 years
- Vehicle failures as a result of normal wear and tear Mechanical failure
Smart Tip: It is important to always read the wording or check with a Liberty advisor what is not covered in your policy.
Pros and Cons of Liberty Insurance in 2025?
The advantages and the disadvantages will assist you determine whether Liberty is the appropriate insurance firm to be used.
Pros
- Variety of policies to suit the Indian needs
- Claim settlement Fast, transparent claim settlement
- Digital interface that is user friendly
- Broad hospital and garage network without cash
- Competitive premium rates
- Family and long term policies discounts and offers
Cons
- Certain schemes entail co payment to the elderly citizens
- There is a waiting period on certain diseases
- Less branches in the rural areas
Can Liberty Insurance be Safe and Trustworthy in 2025?
Yes, Liberty Insurance is fully regulated by the Insurance Regulatory and Development Authority of India (IRDAI). They observe all compliance standards, enjoy financial supports and give the claim statistics publication at each year end.
That, you did know? Liberty Insurance won the “Digitally Transformed Insurer” award in 2024 for its simplified user experience and high claims transparency.
What is the Comparison between the Liberty Insurance and Other Insurers?
We shall have a quick comparison with two well-known players in 2025; HDFC Ergo and ICICI Lombard.
| Factor | Liberty Insurance | HDFC Ergo | ICICI Lombard |
|---|---|---|---|
| Health Claim Settlement | 98 percent | 97.5 percent | 97.8 percent |
| Cashless Hospital Network | 8900 plus | 10 000 plus | 8 700 plus |
| Claim Processing Time | 2 7 days | 3 8 days | 3 6 days |
| Digital Experience | Éxelent мяс posto Buenos | ||
| Premium (Family Plan) | Starts at Rs 6,000 | Starts at Rs 7,200 | Starts at Rs 7,500 |
Does the Liberty Insurance Provide Portability of Policies?
Yes, you can transfer your health or motor insurance policy to Liberty without losing the already accumulated benefits like no claim or waiting period benefits to the extent of the IRDAI guidelines.
Does Customer Service and Helpline Work?
Liberty Insurance has 24 x 7 helpline, WhatsApp chat and email support. Digital queries are typically responded within 1 hour with complex issues being responded within 2 working days.
Insider Tip: Customer support gets faster solutions when you have your policy number at hand.
What are some ways that you can lower your premium with liberty insurance?
You can enjoy cheaper rates of premiums on the Liberty Insurance plans in the following manners:
- Buying increased voluntary deductibles
- Choice of long term policy term
- Taking family or multi car discounts
- Renewing not later than the expiry so as to avert break in coverage
- Maintaining a healthy lifestyle (for health insurance)
Does Liberty Insurance Sell Family Floater Plans?
Yes, Liberty provides a customised family floater health insurance under which one sole sum insured protects the whole family and it is economical and accessible to administer.
How Does Liberty Insurance Find a Renewal Process?
Renewing policies of the Liberty Insurance is convenient through the helpline, mobile application or the internet. Messages are delivered through SMS or email to remind the policy before it expires.
That, you did know? The health and motor insurance issued to liberty can be renewed 90 days prior to the expiry date so that it remains covered.
Quick Recap (TL;DR)
In 2025, being one of the leading private general insurance providers in the Indian market, Liberty Insurance must have a remarkable reputation associated with transparent claims, digital first services, and low insurance rates. With the wide range of policies, extensive network, and a convenient to use app, Liberty makes sure that individuals, families, and business people get sufficient protection and peace of mind.
People Also Ask (FAQs)
The trustworthiness of Liberty Insurance on claims in India?
Liberty Insurance has a high claim settlement ratio of above 98 percent and so most of the claims would get settled easily and swiftly. Their digital operation eliminates paper work and reduce errors.
Which are the requirements of cashless health claim with Liberty insurance?
You have to carry your hospital ID proof, insurance policy card and pre authorisation form filled by hospital. Occasionally, they might request bills and prescriptions of the doctor.
Is Liberty Insurance good to elderly people?
Yes, Liberty has senior citizen health plans, just verify, whether they have a clause of co payment and also check whether there is a waiting period in case of pre existing diseases.
Is a purchase of Liberty Insurance possible online?
Yes, the paramount policy lines of Liberty Insurance are on the internet, the calculation of the premiums, the payment and issuance of the policy have been made fast and instant.
Is there no claim bonus on Liberty Insurance?
Yes, the majority of the health and motor plans offered by the Liberty include no claim bonuses and renewal on claim free years.
What is the contact number of the liberty insurance?
You may contact their toll free number 1800 266 5844 should you need their help.
The question of people is also:
Will liberty insurance cover COVID 19 in 2025?
Yes, in 2025, health insurance with Liberty will cover hospitalisation of COVID 19 based on terms of policy.
What is the immediate claim period of pre existing disease in case of accepting Liberty health insurance?
Pre existing diseases are covered after 2 to 3 years of waiting period according to the preferred policy.
Does Liberty charge higher premiums as opposed to other insurers?
The premiums are competitive and in many occasions cheaper than competing leading players in India.
How do I get in touch with Liberty Insurance to redress a grievance?
An email can be written, a toll free number can be called or the online grievance redressal form can be filled on the official site.
Source / References:
- IRDAI statistics: [https://www.irdai.gov.in]
- Liberty General Insurance official site: [https://www.libertyinsurance.in]
- Mint Insurance Market Study 2024: [https://www.livemint.com/insurance]
- A comparison of HDFC Ergo and ICICI Lombard websites
