1 product taken from Liberty's published 2026 documents, underwritten by Guardrisk Insurance Company Limited, administered by Zestlife. Every figure below links to the source document.
We do not sell Liberty gap cover, so we cannot quote it. Everything on this page is taken from the provider's published 2026 documents so you can compare it fairly, and you would apply through Liberty or your own broker.
The 2026 document we sourced does not restrict this policy to one medical scheme, so it should be available alongside any registered South African medical scheme. Gap cover always requires active medical scheme membership, so confirm your scheme and plan type are accepted before you sign.
1
product in the 2026 data set
Not published
published monthly premium range
Not stated
cover level of the scheme rate
1/1
products stating co-payment cover
Cover percentage not stated in the brochure
Monthly premiums (2026)
Liberty gap cover is Zestlife-administered. No Liberty-branded 2026 brochure was available; see the Zestlife products for published 2026 premiums.
Limits and benefits
Overall annual limit: R223 000 per insured person per year
Co-payment cover: Included
Waiting periods: Refer to policy wording.
Not published by the provider
Gap cover is not a medical scheme and is not a substitute for medical scheme membership. Premiums and benefits are for 2026 and may change — confirm current terms with the provider before deciding. Information only; not financial advice.