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 ZMK (Zambian Kwacha).

Please click on the Get quote button below the table, complete your details and one of our sales consultants will contact you.

Available toMultinationals, Corporates, SMEs, Individuals

Product options

Region of coverIn-country only
Network Providers paid at Liberty TariffsEnhanced Network
Overall limit1 850 000

Hospital benefits (In-patient) Subject to pre-authorisation and clinical treatment protocols

In-hospital accommodation, specialists, theatre, ward, acute dialysis and medicine costs (Subject to overall limit)Unlimited
Emergency ambulance services (Subject to overall limit)Unlimited
Intensive care (Subject to overall limit)Unlimited
Specialised radiology (combined limit in hospital and out of hospital)18 600
In-patient maternity (childbirth) (Subject to overall limit)Unlimited
Neonatal care (incubator, phototherapy, congenital conditions, prematurity)450 000
Psychiatric hospitalisation14 days per annum
Prosthesis (per prosthesis)31 800
External medical appliances3 200

Major disease benefits Subject to pre-authorisation and clinical treatment protocols

Overall limit480 000
Cancer treatment
Organ transplants
Kidney dialysis

International emergency evacuation benefits Subject to pre-authorisation and clinical treatment protocols

International emergency evacuation and repatriation
Compassionate travel for one person accompanying an evacuated person
Repatriation of mortal remains following an international emergency evacuation

Day-to-day benefits (Out-patient)

Acute conditions benefit9 000. Sub limit for acute medication 3 500.
Chronic conditions benefit (Subject to pre-authorisation, clinical treatment protocols and overall limit)Unlimited
Out-patient maternity care6 000
DentistryUnlimited. Sub limit for specialised dentistry 6 000.
Optical benefits2 700
Specialised radiology (combined limit in hospital and out of hospital)
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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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