Employee Benefits

Features & Benefits :

Any physical injury or death to employees, caused due to accidents occurring in the progression of the employment gets compensated under the Employees Compensation Policy. The policy protects an employer against legal liability under:

  • The Employees Compensation Act, 1923, and subsequent amendments to the said Act before the date of policy issue
  • Common Law
  • Sum insured:- policy must repersent full value of the property covered.


The policy compensates the Insured/Employer against his obligation as an "employer" for the accidental injuries (including mortal) borne by the employees in the course of work. All employers, including contractors or principals, appointing and involving 'employees' as demarcated in the Employees' Compensation Act or sharing an employer-employee relation are eligible to buy this cover.

On a payment of extra premium, the main extensions include -

  • Occupational Diseases.
  • Medical expenses including related hospital, surgical and transportation expenses.
  • Employees of Contractors

Group Health Insurance:

    Accidents, illnesses, emergencies; we are all surrounded by different kinds of risks in our day to day lives. This, along with the ever rising costs of healthcare and hospitalization, indicates how financial troubles are not far away from emergencies. With Liberty General Group Health Insurance Policy, you can provide your members or employees the benefits of a flexible health insurance plan that can be customized according to your requirements. This one year renewable contact can cover your employees under a single policy.

Features & Benefits:

    Age for policy entry: 18 years to 65 years. The plan is also available as a family floater and will include even children over 3 months of age. The ‘family’ in this context refers to spouse, children and dependent parents / parent-in-laws and siblings.

  • Coverage options: Individual and family floater.
  • Sum insured: From Rs. 50000 to Rs. 1000000
  • Geographical limit: Indian territories
  • Availability of a free look period: Yes. Of 15 days.

Policy covers:

    In-Patient Hospital Service: Includes hospitalization costs due to an illness or accident. This includes:/p>

  • Room rent, boarding expenses, nursing
  • ICU charges, OT Charges, Anaesthetist charges, Surgical Fees, Oxygen, Blood, and their administration
  • Physical therapy, medicines consumed on the premises
  • Investigation Services
  • Pre and post hospitalization costs
  • Day Care
  • Emergency Ambulance Charges
  • Domiciliary Hospitalization Treatment

Add on Covers:

  • Enhanced Pre & Post Hospitalization Expense
  • Maternity Expenses from day one of policy period / with waiting period of nine months
  • Reimbursement of Organ Donor Expenses
  • Pre-existing Conditions Coverage
  • 30 days Waiting Period Waiver
  • First Year Waiting Period Waiver
  • Baby Day One Cover
  • Listed Critical Illness Cover (Lump sum / Reimbursement basis)
  • Evacuation & Repatriation Expenses
  • Top up Cover
  • Medical Aids Extension
  • Out Patient Dental Treatment
  • Personal Accident Cover
  • Lasik Surgery Cover for refractive errorr
  • Infertility Treatment