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 |
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:
| 🟥 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 |
| 🟥 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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💙Exclusions on the Essential Gap Cover plan include, but are not limited to, the following, with the full list available here:
Dental procedures performed as an out-patient
If the policyholder had previous cover under a similar policy, the pre-existing condition waiting period applies only to the unexpired part of the previous policy period. However, the full 12-month exclusion period applies to benefits not provided under the previous policy.
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| 🔎 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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Our verdict on Liberty Universal Gap Cover is that it offers comprehensive coverage for various healthcare needs and can be a valuable addition to your overall healthcare plan.
With benefits that include cover for in-hospital and out-of-hospital procedures, non-network co-payments, diagnostic scans, casualty facility treatment, and more, policyholders can know they are protected against medical expense shortfalls.
While the plan does not provide maternity benefits and excludes a travel cover extender, the overall cover and competitive premiums make Liberty Universal Gap Cover a favorable choice.
Liberty Universal Gap Cover’s overall annual cover limit is R230 000 per insured per year. This limit ensures that policyholders have substantial financial protection against medical expense shortfalls.
Yes, Liberty Universal Gap Cover includes cover for non-network co-payments. It provides up to R16 000 for one claim per policy per year, ensuring that policyholders have financial support when receiving treatment from non-network healthcare providers.
Liberty Universal Gap Cover covers MRI, PET, and CT scans that exceed medical aid sub-limits. Policyholders can receive a cover of up to R3,700 per insured per policy per year for these essential diagnostic procedures.
Yes, Liberty Universal Gap Cover covers casualty facility treatment for the in-hospital treatment of casualties following accidental injury. Policyholders can receive a cover of up to R25,400 per policy per year, providing financial support in case of emergencies.
Liberty Universal Gap Cover offers a range of additional benefits, including cover for internal prostheses, robotic medical procedures, trauma counseling, accidental dentistry, enhanced cancer cover, and cover for accidental death or permanent disability.
Adriaan holds an MBA and specializes in medical aid research. With his commitment to perfection, he ensures the accuracy of all data presented on medicalaid.com every three months. When he is not conducting research, Adriaan can be found indulging in his passion for trout fishing amidst nature.
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