Liberty Medical Scheme
As one of the larger providers of medical aid schemes and plans Liberty Medical Aid serves over half a million South Africans, As a division of Liberty Mutual, a global insurance institution, it comes from a recognizable and trusted brand and the medical aid plans on offer are considered to be some of the most extensive available, especially for those who use more medical services during the year. But what is it that can back up the company's claim that they 'really are better for you'?
Liberty Medical Aid Basics
With a whopping eleven plans to choose from it may seem at first as if navigating through all of the information about individual plan benefits, costs and limitations will be very consuming. Fortunately there are a number of interactive tools that help make the process quicker, easier and more efficient as well as the option to go directly to a live chat session with a broker to help potential members make a better informed decision.
As is the case with most other medical aid schemes the coverages on offer range from the basic, hospital only coverage of the Traditional Standard Plan to the very inclusive and comprehensive Traditional Ultimate. There are also limited opportunities to mix and match some of the benefits to create a plan better suited to your anticipated individual needs.
Liberty Wellbeing is a special online based programme that is open to any medical aid scheme plan holder free of charge. As the name suggests it is a programme designed to promote wellness, both through education and professional guidance on an individual basis.
This means that members enrolled in the programme have access to a fitness counselor, a nutritionist, dedicated information staffed by nurses and a library of informational articles and resources. In addition there are special offerings for expectant parents, young families and those who are caring for an aging or sick relative.
In addition, membership in a discount and rewards programme called Own Your Life Rewards is available to any member at a small additional monthly cost. This offers all kinds of discounts and coupons for a wide range of services and products including gyms, fitness apparel and equipment and even travel and restaurants.
If you prefer to manage your affairs electronically as much as possible you can control most aspects of a Liberty Medical Aid Scheme via their smartphone app, which is available for iOS, Android and Blackberry users or via their online web portal. The claims process is electronic and a submitted claim's progress can be monitored in real time as well.