Private medical treatment is expensive and medical schemes provide essential access to treatment for their members who may otherwise not be able to afford it. However, even with medical scheme cover in place, it is not uncommon for scheme members to still be required fund a portion of their private medical treatment costs from their own pockets. This occurs when doctors and other medical specialists charge more than the allocated medical scheme funding.
Hence the need for gap cover. This is a health insurance policy that covers the medical treatment cost shortfalls that are not covered in full by your medical scheme.
Liberty is an established insurance company that has been servicing the needs of South African’s since 1957 and has offered a range of gap cover policies since 2009.
Liberty Gap Cover Options
Liberty Has Two Gap Cover Options
• Universal Gap Cover
• Essential Gap Cover
Liberty Universal Gap Cover
This option offers the most comprehensive expense shortfall cover with financial protection for the widest range of medical treatments.
With Universal Gap Cover each life insured under the policy (main member and family members) . Cover is available to cover treatment cost shortfalls not covered in full by their medical scheme. This cover is provided for in-hospital treatment costs up to five times the amount paid by the medical scheme (5 times the medical scheme tariff amount). And this cover also applies for use to fund the shortfall costs of ±50 listed outpatient medical procedures.
You will also be covered for Co-payments charged by your medical scheme when requiring certain medical treatments and utilising a hospital outside your medical scheme’s network.
Liberty’s Universal Gap Cover option provides extensive cover for the treatment of cancer and other critical health conditions.
Liberty Essential Gap Cover
This option offers affordable cover for the most frequent medical expense shortfalls and provides financial protection for selected medical treatment risks.
With Essential Gap Cover each life insured under the policy (main member and family members). This amount is available to cover treatment cost shortfalls not covered in full by their medical scheme. This cover is provided for in-hospital treatment costs up to three times the amount paid by the medical scheme (3 times the medical scheme tariff amount). And this cover also applies for use to fund the shortfall costs of ±50 listed outpatient medical procedures.
Essential Gap Cover also covers Co-payments charged by your medical scheme when admitted to hospital and when requiring certain medical treatments.
Liberty’s Essential Gap Cover option also provides extensive cover for the treatment of cancer and other critical health conditions.
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