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).
Please click on the Get quote button below the table, complete your details and one of our sales consultants will contact you.
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| Available to | Multinationals, Corporates, SMEs |
Product options
| Region of cover | In-country only |
| Network providers paid at Liberty Tariffs | Standard Network (no payment for providers outside this network) |
| Overall limit | 370 000 |
Day-to-day benefits (for conditions that generally appear suddenly, progress rapidly and are relatively short in duration)
| 9 250 Sub-limit for prescribed acute medication 3 700 |
| Chronic conditions benefits (conditions that require medication and treatment for more than three continuous months)
Subject to pre-authorisation, clinical treatment protocols and overall limit | Paid in full Subject to overall limit |
Optical benefits
| 1 x eye test per insured person per year Frames and lenses (including contact lenses) every 2 years | 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 | 5 100 (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. | 5 100 (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 |
| 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. | 7 040 |
| Out-patient high-risk pregnancies Subject to enrolment for case management | Subject to day-to-day benefits limit |
| In-patient maternity – childbirth and management of high-risk pregnancies | Paid in full Subject to overall limit |
| Neonatal care – incubator, phototherapy, congenital conditions, prematurity | 110 000 |
| Postnatal depression – medication, consultations, pathology | Subject to chronic conditions benefits limit |
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 |
| Intensive care | Paid in full Subject to overall limit |
| Rehabilitation, Private nursing and Hospice care | 24 000 up to a maximum of 30 days |
| Specialised radiology – combined limit in and out of hospital | 16 000 |
| Prosthesis and devices – per prosthesis/device | 190 000 for Cochlear implants 24 000 for all other prosthesis |
| External medical appliances | 71 000 for Hearing Aids 6 650 for Other Appliances |
Ambulance benefits (within region of cover)
| Emergency road ambulance services (Mode determined by logistics) | Paid in full Subject to overall limit |
| Non-emergency road ambulance, cross-border ambulance (Mode to be determined by logistics. 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 | 85 000 |
| Provision of treatment (subject to the major diseases benefits limit) | Oncology treatment, organ transplants and renal dialysis |
| Donor matching (limited to immediate family members on the policy) | Paid subject to the major diseases benefit limit |
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. |
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). | 20 000 |
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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
