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.

It is a form of protection from the financial burden that results when medical schemes do not cover doctor and specialist in-hospital treatment charges in full. It also covers you for the same shortfalls that result from approximately 50 out-patient treatments and procedures. It covers you for hospital admission and procedure-specific co-payments charged by your medical scheme.

The unique Liberty Road Accident Family Protection Plan pays you a lump sum if you or your family are injured or die in a road accident on a South African public road.