Members

Welcome to Liberty Health Cover

Liberty Health Cover is a comprehensive health insurance solution, designed to meet the needs of organisations and their employees operating in Zambia. At Liberty, our health teams focus on delivering comprehensive health insurance plans for Zambians with easy access to our local health insurance services and support.

We’re passionate about providing our members with access to reliable, high-quality healthcare through our large network of trusted healthcare providers to address your unique healthcare needs.

Our Liberty health insurance plans

At Liberty, we understand that every organisation and employee is different and that each of our members has their own unique healthcare needs. That’s why we offer a wide range of Liberty health insurance plans to meet the different levels of cover, whether that varies by regions of cover, the level of limits and size of provider network that you can enjoy.

The image below outlines the standard health insurance plans in Zambia and can explain in summary what your plan covers. You can check your Liberty Health Cover membership certificate or card to see which plan you’re on.

Your physical, mental, and financial wellbeing is all connected. We call this Total Wellbeing.

With Liberty Health Cover, you don’t just have health insurance; but you have a partner who is dedicated to your physical, mental and financial (Total) wellbeing too.

To ensure your Total Wellbeing, all Liberty health insurance plans include these key categories of cover:

• Day-to-day benefits: Covering everyday medical needs
• Psychological wellbeing benefits: Supporting mental health care
• Chronic conditions benefit: Providing continuous care for over 100 health conditions like diabetes, high blood pressure, asthma etc.
• Hospital and major disease benefits: Offering cover for critical health events, which could otherwise be physically and financially devastating for most employees.

Some plans even offer international health insurance benefits such as critical care and international emergency medical evacuation, giving members and their organisations peace of mind that they will receive this type of care when they need it most.

For more details on your Liberty health insurance plan, please download your 2025 Corporate SME benefit table or your 2025 Micro Enterprises (ME) benefit table.

Remember to check your Liberty Health Cover membership certificate or card to see which plan you’re on.

Other key information you should know

If you recently joined us, or even if you’re a long-term valued member, please check the latest 2026 Liberty Health Cover Membership Guide. We have clients joining throughout the year, so if that means you’re on the 2024 product for now, please visit the Important Downloads section to get to your Guide.

The Member Guide includes information on benefits under the key categories of cover, as well as the following important topics.

• What to do in an emergency
• How to update your membership
• How to get pre-authorisation for hospitalisation and specialised treatment
• How to join our chronic and oncology programmes
• How to submit a claim for reimbursement
• What type of treatment and medication is excluded from cover