Universal
About this plan
Comprehensive gap cover providing up to 500% medical aid tariff cover, extensive hospital and out-of-hospital benefits, oncology cover, co-payments, and enhanced financial protection. Administered by Zestlife.
Monthly premium
From
R591
per month
What's covered
Hospital cover
Savings account
Day-to-day
Chronic cover
Dental
Optical
Maternity
Mental health
Waiting periods
- General
- 3 months
- Pre-existing conditions
- 12 months
Universal
Liberty Universal Gap Cover (🇿🇦 2025)
Overall, Liberty Universal Gap Cover is a trustworthy short-term insurance product designed to provide extra protection for those with medical aid. The Liberty Universal Gap Cover Plan starts from R537 ZAR. Liberty has a trust score of 4.1.| 🔎 Provider | 🥇 Liberty Universal Gap Cover |
| 🟥 Years in Operation | 66 years |
| 🟧 Underwriters | Guardrisk Life Limited (FSP 76) |
| 🟨 Market Share in South Africa | >25% |
| 🟩 Gap Cover Waiting Period | 12 months |
| 🟦 Do Exclusions Apply | ✅ Yes |
| 🟪 Average Monthly Premium | R537 |
| 🟥 Oncology Benefit | ✅ Yes |
| 🟧 In-Hospital Benefit | ✅ Yes |
| 🟨 Out-of-Hospital Cover | ✅ Yes |
Liberty Universal Gap Cover - 7 Key Point Quick Overview
- ✅ Liberty Universal Gap Cover Overview
- ✅ Liberty Universal Gap Cover Premiums
- ✅ Liberty Universal Gap Cover Benefits and Cover Comprehensive Breakdown
- ✅ Liberty Universal Gap Cover Exclusions and Waiting Periods
- ✅ Liberty Universal Gap Cover vs Other Gap Cover Plans
- ✅ Our Verdict on Liberty Universal Gap Cover
- ✅ Liberty Universal Gap Cover Frequently Asked Questions
Liberty Universal Gap Cover Overview
The Liberty Universal Gap Cover is one of three plans that start from R537 per month. Liberty’s Universal Gap Cover has benefits for non-network co-payments, oncology, internal prostheses, casualties, robotic medical procedures, and more. Liberty Gap Cover has three plans to choose from:
Liberty Universal Gap Cover Premiums
| 🟥 Individual Cover | 🟥 Premiums |
| 🟧 <55 Years | R537 monthly |
| 🟨 55 – 64 Years | R700 monthly |
| 🟩 >65 Years | R838 monthly |
| 🟦 Family Cover | 🟦 Premiums |
| 🟪 Where all insured are <65 years | R700 monthly |
| 🟥 Where one or more insured are >65 Years | R838 monthly |
Liberty Universal Gap Cover Benefits and Cover Comprehensive Breakdown
| 🟥 Shortfall Cover | Cover Information |
| 🟧 Overall Annual Cover Limit | Overall Annual Cover Limit – R230 000 per insured per year |
| 🟨 In-hospital cover for shortfalls in terms of doctors and specialist charges exceeding medical aid tariff | Covers up to 500% of the medical aid tariff. |
| 🟩 Shortfalls on ±50 out-patient procedures (includes PET, MRI, and PET scans) | Covers up to 500% of the medical aid tariff. |
| 🟦 General Co-payments imposed by the medical aid for hospital admission, CT, PET, and MRI scans, and certain medical aid procedures | General Co-payments imposed by the medical aid for hospital admission, CT, PET, and MRI scans, and certain medical aid procedures |
| 🟪 Non-network Co-payments | Covers up to R16,000 for one claim per policy per year. |
| 🟥 MRI, PET, and CT scans exceeding medical aid sub-limits | Covers up to R3,700 per insured per policy per year. |
| 🟧 Casualty Facility Treatment for the treatment of casualties in-hospital after 48 hours of accidental injury | Covers up to R25,400 per policy per year. |
| 🟨 Covers after-hours emergency treatment in a casualty facility for children under 11 | Covers up to R2,800 per policy per year. |
| 🟩 Internal Prostheses | Covers up to R44,000 per policy per year. |
| 🟦 Stents | Covers up to R3,700 per insured per policy per year. |
| 🟪 Robotic Medical Procedures – covers shortfalls from using robotic machines for in-hospital treatment. | Covers up to R37,600 per policy per year. |
| 🟥 Oncology Program Cop-payments | Covers general and specialized treatment and biological drugs. There is a 25% co-payment on the cost of treatment. |
| 🟧 Oncology Program Exceeding the Medical Aid Cancer Limit | The benefit can be used for general and specialized treatment and biological drugs. Covers 20% of the affected insured person’s continued treatment cost. |
| 🟨 Cosmetic Breast Reconstruction of the non-affected breast after a single mastectomy caused by breast cancer. | Covers up to R27,500 for each individual insured. |
| 🟩 Enhanced Cancer Cover | Provides R30,000 for any unexpected costs associated with a first-time cancer diagnosis. |
| 🟦 Accidental Dentistry | Covers up to R25,700 for accidental tooth fractures and up to R3,700 per fractured tooth. |
| 🟪 Accidental Death and Permanent Disability Cover | Covers up to R50,000 for unexpected costs if the main policyholder accidentally dies or is completely and permanently disabled. |
| 🟥 Trauma Counselling Cover | Covers up to R30,300 per policy per year or R900 per session within 6 months of the traumatic event. |
| 🟧 Medical Aid and Gap Cover Waiver | Covers up to R122,400 after the policyholder accidentally dies or is permanently disabled. |
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Liberty Universal Gap Cover Exclusions and Waiting Periods
Liberty Universal Gap Cover Exclusions
💙Exclusions on the Essential Gap Cover plan include, but are not limited to, the following, with the full list available here:- ✅ Nuclear weapons, as well as ionizing and nuclear radiation
- ✅ Suicide, attempted suicide, or intentional self-injury
- ✅ Any illness or injury caused by the consumption of alcohol
- ✅ Illegal behavior or violations of the Republic of South Africa laws
- ✅ Medical practitioners’ daily expenses
- ✅ Breast and dental implants.
- ✅ Medical emergency transportation
Liberty Universal Gap Cover Waiting Periods
- ✅ Cover begins immediately on the policy’s start date, with no waiting periods.
- ✅ Medical conditions within 12 months before the policy’s start date are not eligible for benefits.
- ✅ Pregnancy before the policy’s start date is considered a pre-existing condition, with a 12-month exclusion period for pregnancy or birth-related claims.
💙Discover the Best Medical Aids in South Africa Cover IVF
Liberty Universal Gap Cover vs Other Gap Cover Plans
| 🔎 Provider | 🥇 Liberty Universal Gap Cover | 🥈 Stratum Benefits Elite Gap Cover | 🥉 Sirago Plus Gap |
| 🟥 Years in Operation | 66 years | 24 years | 30 years |
| 🟧 Underwriters | Guardrisk Life Limited (FSP 76) | Guardrisk Insurance Company Limited (FSP 75) | GENRIC Insurance Company Limited (FSP: 43638) |
| 🟨 Market Share in South Africa | >25% | >5% | >10% |
| 🟩 Gap Cover Waiting Period | 12 months | 3 Months | 3 months |
| 🟦 Do Exclusions Apply | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟪 Average Monthly Premium | R537 | R481 | R466 |
| 🟥 Oncology Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟧 In-Hospital Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟨 Out-of-Hospital Cover | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟩 Maternity Benefit | None | ✅ Yes | ✅ Yes |
| 🟦 Scopes and Scans | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟪 Co-payment Cover | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟥 Emergency Room | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟧 Accidental Cover | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟨 Trauma Counseling | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟩 Premium Waiver | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟦 Non-DSP Co-Payment | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟪 Prostheses | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟥 Travel Cover Extender | None | ✅ Yes | None |
| 🟧 Accidental Death/ Permanent Disability | ✅ Yes | ✅ Yes | ✅ Yes |
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