Total Health Trust
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.
- Company typePublic
- Founded1998
- HeadquartersLagos, Nigeria
- Headcount251–500
- GTM typeB2B
- OfferingServices
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.
Total Health Trust firmographics
Firmographics- 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
Where Total Health Trust is headquartered
LocationHeadquarters
- HQ city
- Lagos
- HQ country
- Nigeria
- HQ region
- Africa
Offices8 records
Markets served
Total Health Trust business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel
Revenue model
- 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.
- 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.
- 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
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | STASH Tax-Free Investment - Entry Level |
Go-to-market motion1 record
Distribution channels8 records
Marketing channels5 records
Total Health Trust product offering
Product offeringCore 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
Companies that use Total Health Trust
Customer profileSegments2 records
Ideal customer profiles1 record
Total Health Trust technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature4 records
Total Health Trust partnerships and signals
Strategic signalScale indicators1 record
Recent moves6 records
Expansion highlights10 records
Total Health Trust competitors and assessment
Company assessmentDirect 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
Total Health Trust social profiles
Digital presenceTotal Health Trust compliance and trust
Trust signalCompliance1 record
Total Health Trust financial estimates
Financial estimateRevenue estimate
Valuation estimate
Total Health Trust leadership team
Management profileNumber of profiles
Total Health Trust subsidiaries and ownership
Company hierarchySubsidiaries10 records
Total Health Trust funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Total Health Trust M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Total Health Trust
What does Total Health Trust do?
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.
Is Total Health Trust a public or private company?
Total Health Trust is a public company. It is classified as unknown and is currently operating.
When was Total Health Trust founded?
Total Health Trust was founded in 1998. It employs 251 to 500 people.
Where is Total Health Trust based?
Total Health Trust is headquartered in Lagos, Nigeria, in the Africa region.
How does Total Health Trust make money?
Three revenue lines are on record. Insurance Premiums are the primary driver. The others are investment Management Fees and corporate/Business Solutions.
Who are Total Health Trust's main competitors?
Direct peers on record are Hygeia HMO, AXA Mansard Health, Leadway Health, Avon HMO and HCI Healthcare. Reliance HMO is listed as an emerging player. Broad incumbents are Liberty Health (South Africa) and Sanlam Health.
Does Total Health Trust have an API?
No public API is recorded for Total Health Trust.