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).
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Essence | 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 | 600 000 |
Medical savings account |
Day-to-day benefits (for conditions that generally appear suddenly, progress rapidly and are relatively short in duration)
GP and Specialist consultations | 6 per annum |
Out-of-hospital non-surgical procedures, such as applying plaster of paris and stitches | 6 050 |
Prescribed acute medication including vaccinations | 4 650 OTC sub-limit of 595 per annum, maximum of 165 per claim |
Basic radiology (e.g. basic x-rays) and pathology (e.g. blood tests) requested by a doctor | 4 650 |
Auxillary services such as physiotherapy, chiropractics and speech therapy | 1 750 |
Extender Benefit | 1 150 per family per annum |
Optical benefits
1 x eye test per insured person per year Frames and lenses (including contact lenses) every 2 years and, Refractive surgery | 2 800 |
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 | 2 900 (for Basic and Specialised dentistry combined) |
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. | 2 900 (for Basic and Specialised dentistry combined) |
Psychological wellbeing benefits
Psychologist/social worker consultations and prescribed acute medication | Subject to day-to-day benefits limit |
Ongoing psychiatric consultations and associated chronic medication | Subject to chronic conditions benefits limit |
Psychiatric hospitalisation | 10 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. | 7 900 (for Out-patient maternity care and high-risk pregnancies combined) |
Out-patient high-risk pregnancies Subject to enrolment for case management | 7 900 (for Out-patient maternity care and high-risk pregnancies combined) |
In-patient maternity – childbirth and management of high-risk pregnancies | Paid in full Subject to overall limit |
Neonatal care – incubator, phototherapy, congenital conditions, prematurity | 230 000 |
Postnatal depression – medication, consultations, pathology | Subject to chronic conditions benefits limit |
Chronic conditions benefits (subject to pre-authorisation and clinical funding protocols for conditions that require medication and treatment for more than three continuous months)
GP and specialist consultations, prescribed medication, radiology and pathology (e.g. blood tests) | 4 650 |
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 | 20 000 up to a maximum of 30 days |
Specialised radiology – combined limit in and out of hospital | 25 500 |
Prosthesis and devices – per prosthesis/device | 46 500 |
External medical appliances | 4 650 |
Ambulance benefits (within region of cover)
Emergency road ambulance services | Paid in full Subject to overall limit |
Non-emergency road ambulance, cross-border ambulance (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 | 525 000 |
Provision of treatment (subject to the major diseases benefits limit) | Oncology treatment, organ transplants and renal dialysis |
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. 230 per day for sundry costs (max 5 days). |
Repatriation of mortal remains Applicable to international emergency medical evacuations and critical care cases only | 16 000 |
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 |
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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