Total Health Trust

What Total Health Trust does

Total Health Trust is firmographically described as a for-profit company headquartered in Lagos, Nigeria, founded in 1998 with 251–500 employees, classified as a healthcare services provider. However, the substantive product, technology, and revenue data provided in the source pertains to Liberty Group Limited, a separate entity — a South African financial services company operating as part of Standard Bank Group. The source data explicitly notes this mismatch.

For Liberty Group Limited (the entity with substantive data): the company is a licensed Life Insurer and Authorised Financial Services Provider (FSP no. 2409) offering a comprehensive portfolio of insurance and investment products. Personal insurance products include critical illness cover, disability cover, funeral cover, income protection, life cover, estate planning, and gap cover. Personal investment offerings include retirement savings, general investing, income-generating investments, offshore investment, education savings, and the STASH tax-free mobile investment app. Business offerings include umbrella fund solutions, group risk, corporate investment solutions, consulting and actuarial services, and entrepreneur-focused solutions.

The company operates across 8 African countries including South Africa (Johannesburg HQ), Botswana, Kenya, Lesotho, Namibia, Eswatini, Uganda, and Zambia. Distribution is hybrid: licensed Financial Advisers provide personalised consultation, supported by dedicated retail and corporate contact centres, and digital self-service platforms (MyLiberty, Blueprint Corporate Servicing, STASH mobile app, WhatsApp claims submission). Revenue is generated through insurance premiums (recurring), investment management fees (percentage of AUM), and corporate/managed services. The Standard Bank Group affiliation provides institutional capital, regulatory standing, and ecosystem integration that competitors cannot easily replicate.

Name

Total Health Trust

Legal name

Liberty Group Limited

Website

https://libertyhealth.net

Company type

Public

Founded year

1998

Operating status

Operating

Headcount range

251–500 employees

Short description

Total Health Trust is a Lagos, Nigeria-based healthcare services company founded in 1998 with 251–500 employees. Note: associated source data pertains to Liberty Group Limited, a South African financial services company and Standard Bank Group subsidiary, not Total Health Trust. Liberty operates across 8 African countries offering insurance and investment products.

Ownership category

akta.pro rank

Headquarters

HQ city

Lagos

HQ country

Nigeria

HQ region

Africa

Offices8 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel

Revenue model

1. Insurance Premiums: Liberty generates revenue through insurance premiums charged for life cover, critical illness cover, disability cover, income protection, funeral cover, and gap cover products. Premiums are recurring payments from policyholders in exchange for financial protection coverage.
2. Investment Management Fees: Revenue from managing investment products including retirement annuities, unit trusts, offshore investments, education savings, and the STASH tax-free investment app. Fees are charged as a percentage of assets under management.
3. Corporate/Business Solutions: Umbrella fund solutions, group risk solutions, and consulting services for businesses. Revenue derived from employer groups and corporate clients for employee benefit administration and risk coverage.

Pricing tiers

Go-to-market motion1 record

Distribution channels8 records

Marketing channels5 records

Core offering

Total Health Trust provides healthcare services. The company is a private, for-profit organization headquartered in Lagos, Nigeria, founded in 1998 and operating with 251-500 employees. It delivers healthcare-related offerings to its customers through its online presence at libertyhealth.net.

Product overview

Liberty is a South African financial services company offering a comprehensive portfolio of insurance and investment products. The offering consists of personal insurance products (Critical Illness Cover, Disability Cover, Funeral Cover, Income Protection, Life Cover, Estate Planning, Gap Cover) and personal investment products (Save for Retirement, Invest, Invest for Income, Invest Offshore, Invest for Education, STASH). For business clients, Liberty provides Umbrella Fund Solutions, Investment Solutions, Group Risk Solutions, Consulting and Actuarial Solutions, Solutions for Entrepreneurs, and Business Assurance. The product portfolio also includes digital service platforms (MyLiberty Self-Service, Blueprint Corporate Servicing) that complement the core insurance and investment offerings. The company operates as part of the Standard Bank Group and serves both individual retail customers and corporate/business clients.

Differentiator

Problem solved

Functional benefit

Brands

• STASH: Tax-free investment app allowing users to invest small amounts daily from their bank card, starting at just R5. Offers SA Top 40 Shares or Cash+ portfolios.
• MyLiberty
• Blueprint Corporate Servicing
• Liberty Corporate Member Information System

Products and services

• Healthcare Services

Quantifiable outcome

• 2025 claims statistics available demonstrating claims experience

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Scale indicators1 record

Recent moves6 records

Expansion highlights10 records

Direct peers

• Hygeia HMO: One of Nigeria's oldest and largest HMOs, founded 1986, offering health insurance plans to corporates and individuals via a national provider network. Directly comparable to Total Health Trust as a Nigerian HMO serving employer groups and retail customers.
• AXA Mansard Health: Nigerian HMO subsidiary of AXA Mansard, backed by global insurer AXA. Offers HMO plans to corporate and retail customers in Nigeria. Comparable as a regulated HMO competitor in the same Nigerian market.
• Leadway Health: Health insurance arm of Leadway Assurance, one of Nigeria's largest insurance groups. Provides HMO and group health plans to employers. Direct peer in product offering and target customer segments.
• Avon HMO: Nigerian HMO providing corporate and individual health plans through a provider network across Nigeria. Founded in 2012, smaller-scale; comparable as a private Nigerian HMO competitor.
• HCI Healthcare: Nigerian health insurer focused on tech-enabled HMO products for SMEs and corporates. Direct competitor in the corporate HMO segment.

Emerging players

• Reliance HMO: Lagos-based digital-first HMO leveraging technology for plan distribution and claims management. Comparable as a Lagos-headquartered Nigerian HMO, though more technology-led and newer.

Broad incumbents

• Liberty Health (South Africa): South African healthcare administrator associated with the same domain as Total Health Trust. Comparable as an affiliated or sibling entity within the broader Liberty healthcare network — a broader incumbent operating in adjacent geography.
• Sanlam Health: Pan-African financial services group with health insurance offerings across multiple African markets including Nigeria. Comparable as a broad incumbent offering health insurance products in overlapping geographies.

Market position

Strengths3 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights4 records

Customer concentration

• Xx.com/thtcares
• YouTubeyoutube.com/channel/UCC8emEYWYy-ux9rePUgsNxA
• Facebookfacebook.com/TotalHealthTrustHMO
• LinkedInlinkedin.com/company/total-health-trust-limited
• Instagraminstagram.com/libertygroupsa

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Total Health Trust