South Africans are fortunate to be able to choose between many excellent medical aid schemes.
The Liberty Medical Scheme is a distinguished company that is the fourth largest in the country. It is an open
scheme and it was found when the then Medicover scheme merged with the Liberty Health medical scheme. The company
offers a wide range of medical care plans that can accommodate almost every need and
At the beginning of 2013 Liberty had a solvency
rate of twenty seven percent, which is a bit higher than the prescribed twenty five percent. They have a
membership total of around one hundred and thirty seven thousand, which makes them one of the biggest medical
schemes in the health care industry. In recent times they have introduced a number of new plans that are meant
to address the needs of a large variety of target markets.
The Prestige Plan cost R4 487.oo
for the principal member.
The Platinum Complete Plan will
require principal members to pay premiums of just under three thousand five hundred rand a
The Titan Select Plan, which has a
saver option will cost principal members only slightly more than a thousand six hundred
The Titan Plan costs principal members a thousand eight hundred
The Platinum Saver Plan is more expensive at just over two thousand rand a month for
the principal member.
The Gold Saver Plan is more affordable at about one
thousand five hundred rand.
Then there is the Gold Saver Select Plan which is a bit
cheaper at about one thousand three hundred rand. (Read more
here what is
included in this plan.)
Then there are the hospital plans. The Platinum Focus
plan start at around R1 600.00, the Gold Focus Plan at R1 600.00
and the Gold Focus Select, which cost just more than a thousand rand a
month for the main member.
The Bona Plus Option, which is open to most members will
cost just a bit more than a thousand two hundred rand.
What are the key benefits offered by
the Liberty medical aid?
When choosing a medical scheme, it is vital to consider the benefits offered by each particular
scheme. The Liberty medical scheme
offers the following general benefits:
Cover for trauma treatment in cases of accidents. This cover is
available from day one.
Many one-day procedures are fully
The risk of contracting a dread disease is lessened due to
preventive care cover that forms part of many plans.
There is no need to pay up-front when admitted to hospital.
However, members must carefully study the terms for
A host of in-hospital procedures are fully
In most cases, members enjoy extensive cover for MRI and CAT
Some plans include cover for members that participate in extreme
Treatment for HIV / AIDS related diseases are
Many plans include treatment and counselling for trauma caused by
When evaluating the different Libety medical aid plans
it is extremely important to keep the needs of the family in mind. It is no use, for example, to try and save money
by choosing a hospital plan when one or more members of the family are suffering from chronic diseases. The
important thing to remember is that there are no guarantees when it comes to medical needs. Accidents can happen at
any time and disease strikes the least likely people. It is vital to make sure that the very best medical attention
will be available when these catastrophes occur.
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