WHY LIBERTY GAP COVER?

The aim of Liberty Gap Cover is to cover the shortfall between your Medical Scheme disbursements
and medical practitioner charges in the event that you are hospitalised. It also has the added benefit
of paying for out-of-hospital and personal accident expenses.
Why does this gap exist?
As a medical scheme member you may be surprised to learn that your Medical Scheme only covers
costs in line with the recommended Medical Scheme Tariffs (MST).
The medical specialists assigned to your healthcare may charge you as much as four times the MST.
What this means is that you will be liable for the difference between your medical scheme payouts
and the specialist fees, leaving you saddled with unexpected and exorbitant costs.
What will this gap cover cost me?
Your monthly contribution will cover an unlimited number of dependants, including adults, without
age restrictions.
1. Individual Contributions:

Monthly cost
Medical Gap Cover R159
Medical Premium Waiver - 24 month benefit option R113
Medical Premium Waiver - 60 month benefit option R198

2. Employee Contributions (for 5 members and more)
Compulsory (condition of employment) R147
Voluntary R152

What benefits will I receive?
Hospital Benefits The following are examples of how Gap Cover Benefits will cover the
shortfalls:

Procedure Amount charged by
practitioners
Potential Shortfall Gap Cover Benefit
Natural Child Birth R8 308 R5 359 R5359
Caesarian Section R15 343 R9 548 R9 548
Appendectomy R19 156 R14 367 R14 367
Tonsillectomy R7 528 R5 648 R5 648
Coronary Bypass R43 112 R29 153 R29 153

Out-of-Hospital Benefits

Chemotherapy or radiotherapy for the treatment of
cancer
Childbirth
Arthroscopy
Kidney dialysis on an out-patient basis
Coronary angiogram
Tonsillectomy
Vasectomy
Grommets
Surgical biopsy of breast lump or prostate
Gastroscopy
Cataract removal


Personal Accident Benefit


Any serious accidental injury, which results in
permanent total disability of the Principal Member,
will qualify the Principal Member for a R25 000
lump sum benefit (or a portion thereof, depending
on the injury)
Emergency transportation/search and rescue up to
R25 000
Life support equipment up to R25 000
Trauma counselling up to R750 per visit, with an
annual limit of R25 000
Claims preparation costs up to R20 000
Mobility up to R25 000
Rehabilitation up to R25 000
RAF Medico legal costs (The costs of making a
claim for benefits from the Road Accident Fund if
you are in a motor vehicle accident on our public
roads.) up to R10 000


Reasons to choose the Liberty Medical Gap Cover
You are covered for an unlimited number of dependants and no age restrictions apply;
Your dentistry, hormone & fertility treatments are covered;
A comprehensive list of out-patient procedures will be paid for;
Condition-specific limitations for elective procedures will apply rather than the standard 12
month pre-existing condition exclusion.
For more information on the peace of mind that Gap Cover provides you in medical emergencies,
contact your Liberty Financial Advisor at -------------------