Liberty Health Cover including the Classic, Classic Critical Care, Plus Africa and Global Elite plans, is licensed and administered in Ghana by Apex Health Insurance Limited, as a comprehensive, flexible health insurance solution to meet the health employee benefit needs of multinationals, corporates and SMEs in Ghana and across the African continent.

Liberty Health Cover provides benefits for in-patient and out-patient treatment, international emergency medical evacuation on select plans, access to a wide network of contracted healthcare providers, and quality customer care via 27 in-country offices across Africa, including Ghana.

Apex Health Insurance Limited provides Liberty Health Cover as a health insurance solution in Ghana, offering quality customer care gained through its years of experience operating in the Ghanaian market.

The Liberty Health Cover product was developed by Liberty Health, which is a South African company that forms part of Liberty Holdings and was established in 2008 and is a leading health insurance provider across the African continent. Liberty Health’s depth of knowledge and expertise comes from providing comprehensive, flexible health care benefit and administration solutions to approximately 400 000 lives across Africa.

Liberty is a leading financial services group on the African continent with a zaAAA long-term rating from Standard and Poor’s. Liberty is part of the Standard Bank Group, the largest African banking group by assets offering a full range of banking and related financial services.

Liberty’s Vision is to be the trusted leader in insurance and investments in Africa and in other chosen markets. We believe in putting our customers’ needs first, focussing on creating products and services that are relevant to their needs.

Liberty Presence in Africa

* Worldwide, excluding North America

An overview of our health insurance offering in Africa

Our health insurance product, Liberty Health Cover, provides comprehensive benefits for in-patient and out-patient treatment for multinationals, corporates and SMEs in Ghana and across Africa at affordable rates.

  • Approximately 400 000 lives insured and administered in Africa
  • In-country presence in 27 countries
  • Locally compliant solutions enabling premiums in local currency
  • Comprehensive and meaningful healthcare cover when you need it most
  • Direct payment to a wide network of contracted healthcare providers for both in-hospital and out-patient treatment

We offer a range of health insurance plans to suit your needs

Our health insurance offering caters to the needs of different employee types such as local nationals, expats and foreign-based travellers.

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  • Why are we in business

    To pioneer new ways and guide people towards financial freedom.

  • Our purpose

    To make a difference in people’s lives by making their financial freedom possible. This is our passion.

  • Our impact

    What we do changes people’s realities.

  • Our vision

    Liberty’s vision is to be the trusted leader in insurance and investment in Africa and our chosen markets.