Liberty Health Insurance Products: Complete Agent Guide
Liberty is part of the global Liberty Holdings group. In Kenya, they've positioned themselves as a premium financial services provider.
Their health insurance products target clients who want quality coverage from a financially stable international group.
Here's your complete guide to selling Liberty health insurance.
Table of Contents
Liberty Kenya Overview
Liberty Kenya is part of Liberty Holdings, a leading African financial services group. They offer life insurance, health insurance, and asset management services.
Key strengths:
- Strong international backing
- Premium service positioning
- Integrated financial services
- Good claims record
Where they're less competitive:
- Higher price point
- Smaller agent network
- Less mass-market presence
Liberty Health Products
| Product | Target | Key Feature |
|---|---|---|
| Liberty Medical | Individuals/Families | Comprehensive health cover |
| Corporate Health | Groups 10+ | Flexible employer schemes |
| Executive Health | C-suite | Premium comprehensive cover |
Liberty Medical Plans
| Plan | Inpatient | Outpatient | Maternity | Premium (Individual) |
|---|---|---|---|---|
| Essential | KES 1,000,000 | KES 50,000 | KES 80,000 | ~KES 48,000 |
| Classic | KES 2,000,000 | KES 100,000 | KES 150,000 | ~KES 78,000 |
| Premium | KES 5,000,000 | KES 200,000 | KES 250,000 | ~KES 145,000 |
| Executive | KES 10,000,000+ | KES 300,000 | KES 350,000 | ~KES 280,000 |
Benefits Structure
Inpatient:
- Hospital accommodation
- Surgical procedures
- ICU and high dependency
- Specialist consultations
- Prescribed drugs
- Pre and post hospitalization
Outpatient:
- GP and specialist consultations
- Diagnostics
- Prescribed medications
- Physiotherapy
- Minor procedures
Optional Covers:
- Dental: KES 30,000–80,000
- Optical: KES 25,000–50,000
- International emergency: Available
- Last expense: KES 75,000–200,000
Liberty Commission Structure
| Product | First Year | Renewal |
|---|---|---|
| Individual medical | 18–22% | 12–15% |
| Corporate health | 12–16% | 8–12% |
| Executive plans | 15–18% | 10–14% |
When to Sell Liberty
Ideal clients:
- Premium-seeking individuals
- Corporate executives
- Clients valuing international backing
- Those wanting integrated financial services
Less ideal:
- Price-sensitive clients
- Mass-market individual
- Budget-focused SMEs
The Bottom Line
Liberty health insurance suits clients who prioritize quality and are willing to pay premium prices for premium service. Position it for executives, high-net-worth individuals, and corporate clients seeking comprehensive employee benefits.
Next Steps
- Get appointed with Liberty Kenya
- Learn their premium positioning
- Identify high-value prospects
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