Liberty Health Cover

We know that you and your employees deserve the best healthcare cover possible. We offer businesses a range of Liberty health insurance plans in Kenya, Lesotho, Uganda and Zambia to ensure top performing teams.

Range of Liberty Health Cover Plans

We offer a wide range of Liberty health insurance plans with different levels of cover. The plans differ by region of cover, the level of limits, and size of provider network that members enjoy.

Your Liberty Health Cover membership certificate or card will describe which plan you’re on.

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The Benefits

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  • Day-to-day benefits
  • Psychological wellbeing benefits
  • Chronic conditions benefit for over 100 conditions like diabetes, high blood pressure, asthma etc.
  • Hospital and major disease benefits for critical health events.

View our Brochure

To assist you get a better understanding and full explanation of all the policy benefits and the policy terms and conditions

Contact Details

Here are support numbers you can use

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(0414) 233 794

(0312) 202 695

(0414) 231 983

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operationsuganda@libertyhealth.net

Frequently Asked Questions

Download and read your Liberty Health Cover Membership Guide based on your 2024 or 2025 product. Visit the Forms and Documents page, scroll to the Health section. It explains your benefits and:

  • 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 treatment and medication are excluded from cover

Pre-authorisation is required for:

  • Hospitalisation (elective and emergency)
  • Cancer treatment
  • Renal dialysis
  • Specialised radiology
  • Emergency evacuation
  • Chronic medicines
  • Appliance or prosthesis
  • Organ transplants
  • Ambulance services
  • Specialised dentistry

Email or call us at least 48 hours before planned admission. For emergencies, notify within 48 working hours. Required info:

  • Patient name, policy no., DOB
  • Provider name & practice no.
  • Hospital name & practice no.
  • Reason & dates for admission/procedure
  • Out-of-hospital procedures need provider details

Email: operationsuganda@libertyhealth.net or call +256 414 233 794 / +256 779 558 733

Submit pre-authorisation forms via Forms and Documents. You'll receive a pre-authorisation number within 48 hours.

Claims must be submitted by you or your provider via email or post:

Ensure claims include: policy number, patient info, diagnosis, service dates, detailed treatment, tariff code (if any), charges, provider/facility details, total amount, pre-auth number (if any), and proof of payment for refunds. Claims are processed weekly and paid per benefit rules.

Register with the Chronic Disease Programme using the Chronic Medicine Application Form. Approved chronic meds are covered at 100% if within policy terms. Benefits also cover pathology, consults, and radiology. Notify us about any treatment changes for continued benefit use.

We cover 100+ chronic conditions including diabetes, hypertension, asthma, HIV/AIDS, cardiac diseases, arthritis, mental health disorders, and more. Full list available in your Membership Guide or online FAQs. Registration and pre-authorisation required.

Visit the Forms and Documents page, scroll to the Health section to find membership forms, banking forms, pre-authorisation forms, benefit tables, guides, and policy terms.