Liberty Health Cover offers health insurance plans to individuals, families, and employees of multinationals, corporates and SMEs in 21 African countries, excluding South Africa. It is not available to people who reside permanently in South Africa. However, any South African citizen/resident, who works in and has a valid work permit for the 21 African countries, can join Liberty Health Cover. They can do so as an individual, or an employee of an employer that offers Liberty Health Cover to their staff.