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How your day-to-day expenses will be funded
The Liberty Medical Scheme (LMS) day-to-day benefits cover your everyday medical expenses such as visits to the dentist,
prescription glasses, and acute medication. Depending on your option, day-to-day expenses are funded from:
Plus Standard Select
Funded from your own pocket
HOSPITAL
Plus Standard Select
Funded from your Medical Savings
Facility (MSF)
Medical Savings Facility (MSF)
Member: R 3 456 Member: R 3 540 Member: R 3 540
Adult: R 3 108 Adult: R 2 904 Adult: R 2 904
Child: R 1 116 Child: R 1 308 Child: R 1 308
(Limited to 3 child dependants)
Funded from your Own Pocket when your
MSF is depleted
SAVER
Plus Standard Select
Funded from your Medical Savings Facility
(MSF) + insured by the Scheme via the Above
Threshold Benefit (ATB)
Medical Savings Facility (MSF)
Member: R 8 796 Member: R 4 668 Member: R 4 668
Adult: R 6 528 Adult: R 3 744 Adult: R 3 744
Child: R 2 532 Child: R 1 260 Child: R 1 260
Self-Payment Gap (SPG)
Member: R 2 010 Member: R 1 425 Member: R 1 425
Adult: R 1 535 Adult: R 1 205 Adult: R 1 205
Child: R 675 Child: R 305 Child: R 305
Threshold Level (THL)
Member: R10 806 Member: R6 093 Member: R6 093
Adult: R8 063 Adult: R4 949 Adult: R4 949
Child: R3 207 Child: R1 565 Child: R1 565
Above Threshold Benefit (ATB)
No Limit, Subject
to sub-limits
Member: R 3 950
Adult: R 2 330
Child: R 1 010
(Limited to 3 child dependants)
COMPLETE
Ultimate Standard Basic
Insured by the Scheme
R 23 000 per
beneficiary
Sub-limits
apply to
certain benefits
CareCross Network Prime Cure Network
Primary Care covered from the Risk
contribution
•	 GP Consultations
•	 Minor Procedures
•	 Basic Radiology and Pathology
•	 Chronic Medication
•	 Acute Medication
•	 Basic Dentistry
•	 Optometry
TRADITIONAL
Benefits and contributions for 2016 are subject to approval by the Council for Medical Schemes (CMS).
We encourage you to seek financial advice about your healthcare cover at any time by speaking to your Financial Adviser.
Disclaimer: This is a marketing overview and summary of the Liberty Medical Scheme services and complementary products. Every attempt has been made to ensure complete accuracy of this
information. However, in the event of a conflict between this brochure and the registered Rules of the Scheme, the Rules will prevail. E&OE©
Liberty Group Ltd is an Authorised Financial Services Provider in terms of the FAIS Act (no 2409).
STUDIO/9754/GV/06.11.15
*LMShasnegotiatedpreferredrateswiththeseproviderstohelpyousaveondispensingfeesandavoidorlimitco-payments.**Contributionsforchilddependantsarenotlimitedto3dependantsandarechargedforeachchild.
Pleasenote:Theaboveinformationishighlevelonly.Pleaserefertotherelevantoptionchoicesummaryforfulldetails
TRADITIONALCOMPLETE
UltimateStandardBasicPlusStandardSelect
AllchoicesintheTRADITIONALOptionprovide
variouslevelsofcoveratstatedlimitsfromasingle
Riskcontribution
COMPLETEisacomprehensiveoptionthathasa
MedicalSavingsFacility(MSF)andanAbove
ThresholdBenefit(ATB)forextensiveday-to-daycover
OverallAnnualLimitUnlimited
R1260000
perfamily
R830000
perfamily
R560000per
beneficiary
UnlimitedUnlimitedUnlimited
ChoiceofHospital/DayClinicChoiceChoiceSpecificNetworkChoiceChoiceSelectNetwork
LMSRateupto300%DSPRateDSPRateupto200%100%100%
Chronicconditionscovered692727693131
FormularyforchronicmedicationCareCrossPrimeCureExtendedStandardState
Chronicmedication*
Preferred
Pharmacy
Network
CareCrossPrimeCure
Preferred
Pharmacy
Network
Preferred
Pharmacy
Network
StateFacility
DayproceduresSpecific
Co-paymentsmayapply
Day-to-dayBenefits
InsuredbyScheme:Activelysavedforviayour
MedicalSavingsFacility(MSF)
+
InsuredbytheSchemeviathe
AboveThresholdBenefit(ATB)
onceoutoftheSelf-PaymentGap(SPG)
R23000per
beneficiary
Sub-limits
applyto
certainbenefits
PrimaryCarecoveredfromRisk
contribution
SubjecttoOverallAnnualLimitand
sub-limitsapplytocertainbenefits
CasualtyBenefit
CrimeTraumaBenefit
MRI/CTScans(out-of-hospital)PMBonly
PreventativeCareBenefits(PCBs)
Basictestsusedin
primarycare
Basictestsusedin
primarycare
LMSGPNetworkConsultations
whenSavingsarefinished
2consultations2consultations2consultations
LMSGPNetworkConsultations
forchildrenundertheageof2
2consultations2consultations2consultations
Dentistry
Subjecttothe
Day-to-Day
Benefit
BasiconlyBasiconly
1consultationper
childunderthe
ageof21
EmergencyTransportServices
MemberCare
LibertyBaby
InternationalCare
PrincipalMemberR6416R1583
(Incomep/m
R0-R6900)
R831
(Incomep/m
R6901-R9000)
R1185
(Incomep/m
R9001+)R1692
R4889R2598R2108
AdultDependantR5650R1212
(Incomep/m
R0-R6900)
R808
(Incomep/m
R6901-R9000)
R1094
(Incomep/m
R9001+)R1562
R3632R2081R1688
ChildDependant
Adependantchildundertheageof
21,orachildwhoisastudentata
recognisededucationalinstitution,up
toandincludingage26(proofofstudy
tobesuppliedannually)
R1523R466
(Incomep/m
R0-R6900)
R340**
(Incomep/m
R6901-R9000)
R379**
(Incomep/m
R9001+)R522**
R1410R705R571
R2886R1972R1580R2343R1488R1246
R2595R1617R1297R2108R1255R1050
R936R728R583R758R566R474
MONTHLY
CONTRIBUTIONS
SAVERHOSPITAL
PlusStandardSelectPlusStandardSelect
TheSAVEROptionoffersaMedicalSavingsFacility
(MSF)forday-to-dayexpenses,whichmakessense
toyoungermembers
TheHOSPITALOptionisforyouifyouprefer
tobehands-onwithyourmedicalcover
UnlimitedUnlimitedUnlimitedUnlimitedUnlimitedUnlimited
ChoiceChoiceSelectNetworkChoiceChoiceSelectNetwork
upto200%100%100%upto200%100%100%
313131272727
StandardStandardStateStandardStandardState
Preferred
Pharmacy
Network
Preferred
Pharmacy
Network
StateFacility
Preferred
Pharmacy
Network
Preferred
Pharmacy
Network
StateFacility
Activelysavedforviathe
MedicalSavingsFacility(MSF)
FundedfromyourOwnPocket
2consultations2consultations2consultations
2consultations2consultations2consultations
SubjecttoMSF
1consultation
perchildunder
ageof21
1consultation
perchildunder
ageof21
MAJORMEDICAL
BENEFITS
(pre-authorisation
required)
DAY-TO-DAY
BENEFITS
(howyourday-to-
dayexpenseswill
befunded)
ADDITIONAL
BENEFITS/
EXTENDER
BENEFITS
(paidfromyour
Riskcontribution
andnotSavings)
ADDITIONAL
SERVICES
2016BenefitSummaryfor
LibertyMedicalScheme

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