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 (Zambian Kwacha).

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Available to 

Product options

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

Optical benefits

Dental benefits (subject to clinical funding protocols)

Psychological wellbeing benefits

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

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

Ambulance benefits (within region of cover)

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

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

Additional benefits

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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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