Liberty Gap Cover

Compare Liberty ZestLife's Gap Cover against other major gap cover suppliers and find the solution that best suits you and your family

Brought to you by the people that have been bringing you broker-fee-free gap cover since 1999

Liberty Gap cover is R295 for individuals younger than 55 years, R369 pm for those between 55 and 65 and R420 pm for those 65 yrs and older. (Universal).

You can also add:

  1. Extra cancer benefit for R 55 pfpm (R75000) OR R102 pm (R175000)
  2. Medical premium waiver benefit for 24 (R155 pm)or 60 months(R269 pm).
  3. Dentistry cover for R 238 pfpm.

Liberty Medical Gap Cover.

Who’s covered

  • Guaranteed cover for all applicants.
  • No entry age limit.
  • No restrictions on the number of children covered.
  • Cover provided for adult dependants at no extra cost, i.e., parents and siblings of the policyholder.

Gap Benefits

  • 500% of Medical Scheme Tariff cover for in-hospital procedures and 50 out-patient procedures.
  • No annual policy limit.
  • Prescribed Minimum Benefit (PMB) conditions are covered.
  • Cover is extended above scheme limits and is calculated as the difference between the medical practitioner charges and scheme tariff.

Co-payment Benefits

  • Hospital admission and procedure-specific co-payments are covered with no annual limit.
  • The 20% co-payment that medical scheme members are required to pay when exceeding their cancer sub-limit is covered up to a maximum of R250 000 per individual and R2.5 million per family, per calendar year.
  • Co-payments for using a non-Designated Service Provider (non-DSP) are covered.
  • Co-payments on out-patient MRI, CT and PET scans are covered.

Additional Benefits

  • R25 000 cover, paid out on first time diagnosis of cancer for each policy beneficiary. This is in addition to the normal Gap Cover benefits as they apply to cancer.
  • Up to R30 000 internal prosthesis cover such as those used in joint replacement and spinal surgery. This benefit applies to the shortfall that arises when the scheme’s sub-limit is exceeded.
  • Breast reconstruction benefit of R20 000 payable in the event of a single mastectomy and payable towards the cost of cosmetic breast reconstruction of the non-affected breast.
  • Up to R25 000 personal accident cover for all policy beneficiaries where partial or total permanent disability results.
  • Text message access to Hello Doctor, which provides access to a team of doctors who will answer medical and health-related questions within 1 hour. This service is free, 24/7 to all policyholders.
  • R25 000 accidental death cover for all policy beneficiaries.
  • RAF claims preparation costs benefit of up to R20 000.
  • RAF medico-legal costs benefit of up to R10 000.
  • Emergency transportation/search and rescue benefit of up to R25 000.
  • Life support equipment benefit of up to R25 000.
  • Trauma counselling benefit of up to R750 per visit, with an annual limit of R25 000.
  • Mobility benefit of up to R25 000.
  • Rehabilitation from accident benefit of up to R25 000.
  • The choice to take out additional Extended Cancer Cover and Extended Dentistry Cover over and above the core Gap Cover product.

ADD EXTRA CANCER cover for R 75000 at Just R 55 pfpm. This would mean that you will get a total of R 100000 paid out to you in the event of you getting Cancer for the first time.

MEDICAL PREMIUM WAIVER BENEFIT can also be added At R 155 for 24 months and R 269 for 60 months. Maximum payable of R 5230 with a thirty day waiting period in the event of the principal dying or becoming disabled.

This is a brilliant benefit since it pays for a long term and gives you peace of mind knowing that the medical aid will be paid for which is one of the biggest family expenses.



For an extra R 238 pm, you can now get extra cover for DENTISTRY. Cover for emergency root canal, Tooth removal, crowns, bridges and more have a specified limit for each procedure. See the brochure below.

NOTE: SUB-LIMIT for internal prosthesis is the only SUB LIMIT benefit covered under the liberty GAP option.

NB. Zestlife is an authorised Financial Services Provider, FSP Number 37485. Underwritten by Guardrisk Insurance Company.



SupplierPackage NameDescriptionIndividual PriceFamily PriceAdditional CoverUnderwriting
LIBERTYUniversal500% tariff gap. Co-payments, Sub Limit cover, Cancer co-payments.
Per Month
Per Month
Casualty cover + Premium Waver; Non DSP Co payment.Accidental death. Accidental Dentistry.10 month on pregnancy/childbirth. 12 month on pre existing conditions. 12 month on certain conditions like cardiac, tonsils, etc.