My wife is due to give birth next month and the gyneacologist has advised that we must pay a R4 000 co-payment for the birth. Will my Liberty Gap Cover policy cover this co-payment?

No. Liberty Gap Cover only covers co-payments levied by the medical scheme for your option and does not cover additional co-payments charged by a specialist. Split billing costs are not covered by Liberty Gap Cover. If the R4 000 is included in the doctor’s service procedure tariff rates and billed to the medical scheme, Liberty Gap Cover will be able to cover it as a tariff shortfall.