Our Product Solutions

We have an excellent reputation for creating tailor-made risk solutions and paying all valid claims timeously. Our solutions not only provide financial peace of mind, but can remove the potential for any financial difficulties arising from severe injury, illness or death.

Group Risk Solutions

Our Group Risk solutions are offered to organisations comprising of 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 the member before retirement. GLA provides the member 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 the member before retirement. The purpose of this benefit is to protect the member 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.
Temporary & Total Disability-2

Temporary & Total Disability

The Temporary and Total Disability benefit is a monthly benefit that is payable for a limited period. The purpose of this benefit is to protect the member against the loss of earnings or earning potential, if he or she becomes disabled and is unable to work for a limited period. This benefit must be taken together with Group Life Assurance benefit.
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 member passes away before retirement. Members can also include their loved ones in this benefit. This benefit is designed to assist with meeting the costs associated with the funeral arrangements. The following benefits are optional to Group Funeral:
Family Support

Family Support

The Family Support benefit provides a lump sum on the passing away of the member. This helps the family deal with urgent costs associated with funeral expenses as well as assisting with the living expenses such as groceries following the passing away of the breadwinner in the family.
Tombstone

Tombstone

The Tombstone benefit pays a lump sum should the employee pass away, to aid in providing a tombstone and for the cost of the unveiling ceremony.

Credit Life

Credit Life Insurance is designed to pay off the outstanding balance of a loan in the event that the account holder 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 Plan seeks to protect the loan holder by providing a lump sum benefit, equal to the outstanding business loan, payable on either death or disability.
Credit Card Protection

Credit Card Protection

Credit Card Protection Plan seeks to protect the credit card 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.
Simple Life

Simple Life Plan

Comprehensive cover providing a lump sum benefit on the occurrence of the policyholder passing away. There are no health questions asked or medical tests required. There are additional benefits that can be chosen that also cover the policyholder from the unfortunate events of being unable to earn an income or additional expenses due to a critical illness, physical impairment, permanent disability and accidental death.
Platinum Life Plan

Platinum Life Plan

Comprehensive cover providing a high lump sum benefit with limited underwriting on the passing of the policyholder. There are additional benefits that can be chosen that cover the policyholder from an unfortunate event of being unable to earn an income or additional expenses due to a critical Illness, physical impairment and permanent disability.
Simple Life

Hospital Cash Back Plan

Provides a lump sum benefit to assist with the living expenses while you are in hospital.

Liberty Health Cover

Health Cover

Health Cover

We know how to provide comprehensive health cover at affordable rates. Liberty Health Cover offers a standardised product suite that has been tailored to the conditions of Basotho. We offer options that cater for healthcare needs across a number of different income brackets.

Who is covered

  • Corporates
  • Small and Medium Enterprises
  • Individuals

Our health cover 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.
 

Contact Us

Liberty Life Lesotho Limited
Maseru Mall - Unit 39
Maseru
Lesotho
t  +266 22 212 719
t  +266 22 326 820
t  +266 22 314 589
t  +266 22 314 590