The table below gives you an overall summary of the benefits available 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 MZN (Mozambican Metical).

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Available toMultinationals, Corporates, SMEs

Product options

Region of coverIn-country and South Africa
Network providers paid at Liberty TariffsEnhanced Network
Overall limit5 550 000

Day-to-day benefits (for conditions that generally appear suddenly, progress rapidly and are relatively short in duration)

  • GP and specialist consultations
  • Prescribed acute medication including vaccinations
  • Diagnostic tests
  • Pathology, i.e. blood tests requested by a doctor in the course of your consultations
  • Basic radiology, i.e. out-of-hospital basic x-rays
  • Out-of-hospital non-surgical procedures such as applying plaster of paris and stitches
  • Auxillary services such as physiotherapy, chiropractics and speech therapy
  • Annual medical examination
43 500
Sub-limit for prescribed acute medication 15 000

Optical benefits

1 x eye test per insured person per year
Frames and lenses (including contact lenses) every 2 years
13 500

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 in full
Subject to overall limit
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.
30 000

Psychological wellbeing benefits

Psychologist/social worker consultations and prescribed acute medicationSubject to day-to-day benefits limit
Ongoing psychiatric consultations and associated chronic medicationSubject to chronic conditions benefits limit
Hospital benefits (subject to pre-authorisation and clinical funding protocols)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.
  • Consultations x 12
  • Ultrasound scans x 3
  • Laboratory tests such as rhesus blood group and amniocentesis (subject to pre-authorisation)
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 pregnanciesPaid in full
Subject to overall limit
Neonatal care – incubator, phototherapy, congenital conditions, prematurity1 060 000
Postnatal depression – medication, consultations, pathologySubject 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)Paid in full
Subject to overall limit

Hospital benefits (subject to pre-authorisation and clinical funding protocols)

In-hospital accommodation, specialists, theatre, ward, acute dialysis and medicine costsPaid in full
Subject to overall limit
Intensive carePaid in full
Subject to overall limit
Specialised radiology – combined limit in and out of hospital81 500
Prosthesis and devices – per prosthesis/device160 000
External medical appliances13 500

Ambulance benefits (within region of cover)

Emergency road ambulance servicesPaid 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 limit1 060 000
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
Critical care
In the case of a medically necessary, non-emergency life-threatening condition, where treatment for in-patient care is not available locally, cover includes: international travel/accommodation and foreign treatment costs
Travel and accommodation costs per event
Applicable only to international emergency medical evacuations and critical care cases for the patient, and where applicable, one accompanying person
Repatriation of mortal remains
Applicable to international emergency medical evacuations and critical care cases only
Elective roaming
Applicable to beneficiaries electing to obtain medical services outside their country of residence and in line with their benefit plan region of cover. Cover includes foreign treatment cost and services but not travel.
Subject to the overall limit and appropriate sublimits

Additional benefits

Liberty Wellbeing and Digital ToolsAvailable 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).
 Get a quoteLearn more
Note: If the start date of your health cover is after the start date of your employer’s Liberty Health Cover Policy, your Day-to-day Benefits (Out-patient benefits) will be available to you on a pro-rata basis.

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

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