The table below gives you an overall summary of the benefits available to new members on each health cover plan that you select. You can use the controls at the top of the table to change the plans that you want to compare. We give the annual health insurance benefit limit per insured person per year in LSL (Lesotho Loti).
Please click on the Get quote button below the table, complete your details and one of our sales consultants will contact you.
Traditional Saver | Select a plan to compare |
Available to | Multinationals, Corporates, SMEs |
Product options
Region of cover | Lesotho and South Africa |
Network providers paid at Liberty Tariffs | Enhanced Network |
Overall limit | 1 050 000 |
Medical savings account | 40% of annual premium per family |
Day-to-day benefits (for conditions that generally appear suddenly, progress rapidly and are relatively short in duration)
GP and Specialist consultations | Paid from Medical Savings Account |
Out-of-hospital non-surgical procedures, such as applying plaster of paris and stitches | Paid from Medical Savings Account |
Prescribed acute medication including vaccinations | Paid from Medical Savings Account |
Basic radiology (e.g. basic x-rays) and pathology (e.g. blood tests) requested by a doctor | Paid from Medical Savings Account |
Auxillary services such as physiotherapy, chiropractics and speech therapy | Paid from Medical Savings Account |
Extender Benefit | Paid from Medical Savings Account |
Chronic conditions benefits (conditions that require medication and treatment for more than three continuous months)
Subject to pre-authorisation, clinical treatment protocols and overall limit | Paid from Medical Savings Account |
Optical benefits
1 x eye test per insured person per year Frames and lenses (including contact lenses) every 2 years and, Refractive surgery | Paid from Medical Savings Account |
Dental benefits (subject to clinical funding protocols)
Basic dentistry Dental consultations, basic dental procedures including removal of teeth, fillings, preventative treatment, scaling and polishing and x-rays | Paid from Medical Savings Account |
Specialised dentistry Root canal treatment, dentures, inlays, crowns, bridges, periodontal treatment, orthodontic treatment and procedures in rooms. Orthodontic treatment will be restricted to members up to and including the age of 21 years. | Paid from Medical Savings Account |
Psychological wellbeing benefits
Psychologist/social worker consultations and prescribed acute medication | Paid from Medical Savings Account |
Ongoing psychiatric consultations and associated chronic medication | Paid from Medical Savings Account |
Psychiatric hospitalisation | 20 days per annum |
Maternity benefits (subject to pre-authorisation and clinical funding protocols)
Out-patient maternity care Antenatal consultations, ultrasounds and pathology services, including amniocentisis, are paid from this benefit. Any additional maternity claims will be paid from the available day-to-day benefits. | Paid from Medical Savings Account |
Out-patient high-risk pregnancies Subject to enrolment for case management | Additional consultations and ultrasound scans |
In-patient maternity – childbirth and management of high-risk pregnancies | Paid in fullSubject to overall limit |
Neonatal care – incubator, phototherapy, congenital conditions, prematurity | 340 000 |
Postnatal depression – medication, consultations, pathology | Paid from Medical Savings Account |
Hospital benefits (subject to pre-authorisation and clinical funding protocols)
In-hospital accommodation, specialists, theatre, ward, acute dialysis and medicine costs | Paid in full Subject to overall limit |
Rehabilitation, Private nursing and Hospice care | 32 000 up to a maximum of 30 days |
Specialised radiology – combined limit in and out of hospital | 33 500 |
Prosthesis and devices – per prosthesis/device | 405 000 for Cochlear implants 59 000 for all other prosthesis |
External medical appliances | 91 000 for Hearing Aids 12 000 for Other appliances |
Ambulance benefits (within region of cover)
Emergency road ambulance services (Mode determined by logistics) | Paid in full Subject to overall limit |
Non-emergency road ambulance, cross-border ambulance (Mode to be determined by logistics. Subject to pre-authorisation) | Paid in full Subject to overall limit |
Major diseases benefits (subject to pre-authorisation and clinical funding protocols)
Major diseases benefits limit | 635 000 |
Provision of treatment (subject to the major diseases benefits limit) | Oncology treatment, organ transplants and renal dialysis |
Donor matching (limited to immediate family members on the policy) | Paid subject to the major diseases benefit limit |
International benefits (subject to pre-authorisation and clinical funding protocols)
International emergency medical evacuations In the case of a medical emergency/life-threatening condition and where treatment is not available locally, cover includes: international evacuation and foreign treatment costs | Subject to the overall limit and appropriate sublimits |
Critical care In the case of a medically necessary, non-emergency life-threatening condition, where treatment for inpatient care is not available locally, cover includes: international travel/accommodation and foreign treatment costs (South Africa only). | Subject to the overall limit and appropriate sublimits |
Travel and accommodation costs per event Travel and accomodation cost applicable to emergency medical evacuations, critical care and hospital admissions or where the patient is a child or unable to travel without assistance. | Accommodation for one family member accompanying an insured person receiving care outside Lesotho. Up to a maximum of 5 nights. 245 per day for sundry costs (max 5 days). |
Repatriation of mortal remains Applicable to international emergency medical evacuations and critical care cases only | 17 000 |
Additional benefits
Liberty Wellbeing and Digital Tools | Available to all beneficiaries. Access to the Liberty Wellbeing online platform for self-completion of health assessments and easy, 24-hour access to clinically approved health promotion material. Access to digital tools including a unique customer profile via desktop login or the Liberty Health Mobile App (iOS and Android). |
Funeral Benefit The funeral benefit pays out a lump sum in the event of the death of the member, spouse, children or extended family members (if applicable). | 15 000 |
Get a quoteLearn more |
Disclaimer: The benefits described in the table above are subject to the Policy Conditions in the Liberty Health Cover Policy Document. Every attempt has been made to ensure complete accuracy of this document. However, in the event of a conflict between this document and the Liberty Health Cover Policy Conditions, the Policy Conditions will prevail. E&OE