Our Product Solutions

We have an excellent reputation for creating tailor-made risk solutions for our clients. Our solutions not only provide financial peace of mind, but can remove the potential for any financial difficulties arising from severe injury, illness or loss of life.


Group Risk Solutions

Our Group Risk solutions are created for organisations comprising 10 members or more. Cover is offered under one master policy for all members, reducing operational expenses and allowing your organisation to enjoy benefits at a competitive premium relative to individual policies. Additionally, an automatic acceptance cover with limited benefits established around employee demographics means participants may benefit from cover without any medical checks.

Benefits Organisations can enjoy with our group risk product solution

  • Risk management expertise  - We cover the organisation from excessive or unintended risk by providing specialised benefit design, policy wording and operational processes.

  • Specialist insurance expertise  - We provide tailor made solutions that meet our client’s needs. We have specialist insurance expertise, such as actuarial resources, which will monitor the risk and claims trends of the benefits and help to manage future uncertainty.

  • Claims management  - We strive to give organisations exceptional service by making your claims process seamless and efficient. We can help organisations avoid paying fraudulent claims, or claims which the benefit was never intended to pay. Our claims management helps to keep costs down whilst still ensuring that all valid claims are paid timeously.

  • Administration expertise  - We know that administration can be daunting, that is why we offer to administer the full insurance process in the most cost effective manner with the highest level of data integrity. This ensures that, amongst other things, benefits are paid to the right beneficiary and costs are managed.

  • Administration costs  - We have simple, efficient and timeous processes that work to your advantage allowing us to administer your portfolio at competitive rates.

Product Description
Group Life Assurance
Group Life Assurance
Group Life Assurance (GLA) provides life cover payable as a lump sum on the passing away of an employee before retirement. GLA provides the employees with the peace of mind that their family will be taken care of if they are no longer there to support them.
Permanent & Total Disability
Permanent & Total Disability
The Permanent and Total Disability benefit pays a lump sum in the event of a permanent disability of an employee before retirement. The purpose of this benefit is to protect the employees against the loss of earning potential, if he or she becomes disabled and is unable to work. The Permanent and Total Disability benefit must be taken together with the Group Life Assurance benefit.
Permanent Health Insurance
Temporary & Total Disability
The Temporary and Total Disability benefit is a monthly benefit that is payable for a fixed period. The benefit usually covers a proportion of their salary for 6, 12 or 24 months including the waiting period. The purpose of this benefit is to protect the employees against the loss of earnings or earning potential, if he or she becomes disabled and is unable to work for a limited period.
Critical Illness
Critical Illness
The Critical Illness benefit provides cover for the costs associated with living with a defined critical illness (such as Cancer, Heart Attack, Coronary Artery Bypass Graft (CABG), Stroke, Major Organ Transplant or End Stage Renal Failure) by providing a lump sum payment on the first diagnosis of any one of the stated critical illnesses. The Critical Illness benefit must be taken together with the Group Life Assurance benefit.
Group Funeral
Group Funeral
The Funeral benefit pays out a lump sum in the event the employee, their spouse, children, parents, parents-in-law or extended family (if these options have been selected) pass away before the retirement of the employee.

The following benefits can be optionally selected under the Funeral benefit:

Family Support
Family Support
The Family Support benefit provides an additional lump sum on the passing away of an employee. This helps the family deal with urgent costs associated with funeral expenses as well as assisting with the living expenses following the loss of their breadwinner.
TombstoneTombstone
The Tombstone benefit pays a lump sum should the employee pass away, to aid in providing a tombstone and for the cost of the tombstone unveiling ceremony.

Credit Life

Credit Life Insurance is designed to pay off the balance of a loan in the event that the policyholder or joint loan holder passes away, becomes disabled or suffers a dread disease.  These benefits are offered through banks, micro finance institutions and other finance institutions.

Product Description
Home Loan Protection
Home Loan Protection

Home Loan Protection seeks to protect the loan holder by providing a lump sum benefit equal to the outstanding home loan payable on death, disability or dread disease.
Vehicle Loan Protection
Vehicle Loan Protection

Vehicle Loan Protection seeks to protect the loan holder by providing a lump sum benefit equal to the outstanding vehicle loan payable on death, disability or dread disease.
Personal Loan Protection
Personal Loan Protection

Personal Loan Protection seeks to protect the loan holder by providing a lump sum benefit equal to the outstanding personal loan payable on death, disability or dread disease.
Business Loan
Business Loan Protection

Business Loan Protection seeks to protect the loan holder by providing a lump sum benefit equal to the outstanding business loan payable on death or disability.
Credit Card Protection
Credit Card Protection

Credit Card Loan Protection seeks to protect the loan holder by providing a lump sum benefit equal to the outstanding credit card loan payable on death or disability.

Individual Products

We offer a range of products and solutions to meet the life changing risk events. Our solutions offer cover for unforeseen events such as loss of life, critical illness and disability. You will have peace of mind knowing that you have the best insurance plan for unplanned events.

Product Description
Funeral Cover
Funeral Cover
Provides a lump sum to cover the cost of a funeral. There is an option to cover the policyholder, one spouse and a maximum of six children with a choice to add parents and parents in law as well as extended family members.
Education Protector
Education Protector
Provides a lump sum on the occurrence of these risk events to help provide for your child’s education even after you're gone.
Simple Life Plan
Simple Life Plan
Comprehensive cover providing a lump sum benefit should the policyholder die. There are no upfront medical requirements. There are additional benefits to choose from in the unfortunate event that the policyholder is unable to earn an income due to a Critical Illness, Physical Impairment and Permanent Disability.
Platinum Life Plan
Platinum Life Plan
Comprehensive cover providing high cover with limited underwriting on the occurrence of the policyholder passing away. There are additional benefits to choose from in the unfortunate event that the policyholder is unable to earn an income due to a Critical Illness, Physical Impairment and Permanent Disability.
Hospital Cash Back Plan
Hospital Cash Back Plan
Provides a lump sum benefit to assist with the living expenses while you are in hospital.

Health Insurance

Health Insurance
Health Insurance
We know how to provide comprehensive health insurance at affordable rates. Liberty Health Insurance offers a standardised Pan-African product suite that has been tailored to the conditions of each specific country. We offer options that cater for healthcare needs across a number of different income brackets whilst ensuring the most comprehensive cover in Namibia, East Africa (Uganda, Rwanda, Burundi, South Sudan, Kenya and Tanzania), Africa & Asia as well as Worldwide but excluding North America.

Who is covered

  • Corporates
  • Small and Medium Enterprises

Our health insurance includes

  • In-patient / Major Medical Benefits
    • Hospital Benefits
    • Major Disease Benefits
  • Out-patient / Day-to-day Benefits
    • Chronic Benefits
    • Medical care during pregnancy and after birth
    • Dentistry and Optometry Benefits
    • Acute Conditions Benefits
  • International emergency evacuation

We have a range of options to suit your needs

  • Comprehensive cover, without shortfalls, for treatment of all life-threatening medical conditions.
  • Generous benefits with high overall limits.
  • Chronic medicine benefits including HIV.
  • Cover is not limited to employees but may be extended to employees’ immediate family too.
  • Transparent underwriting rules.
  • International emergency evacuation.

For more information on Liberty Health Insurance zambia@libertyhealth.net


 

Contact Us

Liberty Life Insurance Zambia Limited
Kwacha Pension House, 1st Floor,
Stand 4604, Tito Road
Rhodes Park
Lusaka
Zambia
t  +260 21 125 5536
   f  +260 21 125 5537

   Fraud Hotline   350 377