Liberty Gap Cover

    If you belong to any of the medical aid schemes in South Africa you probably think you have total cover. That is not the case. Let Liberty gap cover explain why.

    Whatever medical aid scheme you’re with they all only cover their medical scheme tariffs. And practitioners can charge a lot more than that. These charges create a need for gap cover.

    What is Gap Cover?

    This type of short-term insurance, or gap cover, covers the shortfall in costs between the medical scheme rates and the practitioner’s rates. Liberty gap cover will help you cover the costs, so you survive financially.

    Medical aid members can apply for a medical gap cover quote
    by completing and sending the form on this page

    What Does Liberty Gap Cover Include and What can It Do for Me?

    From Genesis medical aid to Momentum Health, most schemes don’t offer full coverage. This is why gap cover is handy.

    Liberty Gap Cover

    Liberty gap cover offers members the peace of mind that if there is a shortfall you will have cover.

    Take a look at what Liberty gap cover involves:

    • There is a monthly premium starting at R295 for individuals; this is in addition to your medical aid premiums, but it covers you and all your dependents so long as they all belong to medical aid.
    • Maximum benefits of 500%
    • Liberty medical gap cover covers Prescribed Minimum Benefits, and there are no exclusions for general or condition-specific waiting periods
    • There is not a maximum entry age for Liberty gap cover
    • You have cover for co-payments when you use designated and non-designated healthcare providers
    • You have cover for about 50 out-of-hospital procedures, as well as CT scans and MRIs
    • Liberty gap cover has a policy limit of R150 000 per member annually

    Additional Benefits to Liberty Gap Cover Include:

    • Trauma and counselling
    • Emergency room cover
    • Life support machinery and equipment cover
    • Emergency rescue services
    • Accidental Death and Permanent Disability
    • Accidental Dentistry cover
    • Cancer sub-limit co-payment

    Liberty Gap Cover Covers So Much More

    • Co-payment cover for hospital treatments
    • Medical aid shortfalls on doctors’ in-hospital charges
    • A once off R25 000 pay out if you or your dependants are diagnosed with cancer for the first time
    • R25 000 accidental death cover for everyone insured
    • Cover for cosmetic reconstruction in the case of a single mastectomy
    • When your medical aid sub-limit has exceeded, both you and your dependents will be covered by Liberty gap cover for up to R30 000 per year for internal prosthesis such as hip replacements.


    So if you have never considered Gap Cover before what are you waiting for?

    Medical aid members can apply for a medical gap cover quote
    by completing and sending the form on this page