Optimal
About this plan
Affordable gap cover for younger individuals and families, providing up to 400% medical aid tariff cover for specialist shortfalls, co-payments, hospital expenses, and selected out-of-hospital procedures. Administered by Zestlife.
Monthly premium
From
R276
per month
Waiting periods
- General
- 3 months
- Pre-existing conditions
- 12 months
Optimal
Liberty Optimal Gap Cover (🇿🇦 2025)
Overall, Liberty Optimal Gap Cover is a trustworthy short-term insurance product designed to provide extra protection for those with medical aid. The Liberty Optimal Gap Cover Plans start from R253 ZAR. Liberty has a trust score of 4.1.| 🔎 Provider | 🥇 Liberty Optimal 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 | R253 |
| 🟥 Oncology Benefit | None |
| 🟧 In-Hospital Benefit | ✅ Yes |
| 🟨 Out-of-Hospital Cover | ✅ Yes |
Liberty Optimal Gap Cover - 7 Key Point Quick Overview
- ✅ Liberty Optimal Gap Cover Overview
- ✅ Liberty Optimal Gap Cover Premiums
- ✅ Liberty Optimal Gap Cover Benefits and Cover Comprehensive Breakdown
- ✅ Liberty Optimal Gap Cover Exclusions and Waiting Periods
- ✅ Liberty Optimal Gap Cover vs Other Gap Cover Plans
- ✅ Our Verdict on Liberty Optimal Gap Cover
- ✅ Liberty Optimal Gap Cover Frequently Asked Questions
Liberty Optimal Gap Cover Overview
The Liberty Optimal Gap Cover is one of three plans that starts from R239 per month. Liberty’s Optimal Gap Cover has benefits for the premium waiver, trauma counseling, accidental death and permanent disability, internal prostheses and artificial joints, and more. Liberty Gap Cover has three plans to choose from:
Liberty Optimal Gap Cover Premiums
| 🅰️ Individual Cover | 🅱️ Premium |
| <35 Years | R253 monthly |
Liberty Optimal 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 400% of the medical aid tariff. |
| 🟩 Shortfalls on ±50 out-patient procedures (includes PET, MRI, and PET scans) | Covers up to 400% 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. |
| 🟧 Covers after-hours emergency treatment in a casualty facility for children under 11 | Covers up to R2,800 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. |
| 🟩 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. |
Liberty Optimal Gap Cover Exclusions and Waiting Periods
Liberty Optimal 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 Optimal 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.
💙You might like the Best Medical Aids in South Africa that Cover Liposuction Surgery
Liberty Optimal Gap Cover vs Other Gap Cover Plans
| 🔎 Provider | 🥇 Liberty Optimal Gap Cover | 🥈 Linksave Gap 500 Plus | 🥉 GapCover® Combined |
| 🟥 Years in Operation | 66 years | 9 years | N/A |
| 🟧 Underwriters | Guardrisk Life Limited (FSP 76) | Renasa Insurance Company Limited | Western National Insurance Company Limited |
| 🟨 Market Share in South Africa | >25% | <1% | <1% |
| 🟩 Gap Cover Waiting Period | 12 months | 3 – 12 months | 3 – 12 months |
| 🟦 Do Exclusions Apply | Yes | Yes | Yes |
| 🟪 Average Monthly Premium | R253 | R512 | R318 |
| 🟥 Oncology Benefit | None | None | None |
| 🟧 In-Hospital Benefit | ✅ Yes | None | None |
| 🟨 Out-of-Hospital Cover | ✅ Yes | None | None |
| 🟩 Maternity Benefit | None | None | None |
| 🟦 Scopes and Scans | ✅ Yes | ✅ Yes | None |
| 🟪 Co-payment Cover | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟥 Emergency Room | None | ✅ Yes | ✅ Yes |
| 🟧 Accidental Cover | ✅ Yes | ✅ Yes | None |
| 🟨 Trauma Counseling | ✅ Yes | None | None |
| 🟩 Premium Waiver | ✅ Yes | ✅ Yes | None |
| 🟦 Non-DSP Co-Payment | ✅ Yes | ✅ Yes | None |
| 🟪 Prostheses | ✅ Yes | None | None |
| 🟥 Travel Cover Extender | None | None | None |
| 🟧 Accidental Death/ Permanent Disability | ✅ Yes | ✅ Yes | None |
💙Discover the 5 Best Medical Aids with No Late Enrolment Penalties
