Gap Cover

Our dedicated team will help you find the best Gap Cover for you and your family. This will take the stress out of unfortunate medical bills.

How to protect yourself from medical shortfalls and co-payments

Gap Cover is the smart way of protecting you and your family from costly medical expense and or shortfalls. This is the difference between what your private healthcare provider charges for in-hospital treatment and the rate your medical aid pays. This will give you peace of mind for unexpected medical expense shortfalls and co-payments.

Why Gap Cover?

Gap cover is necessary for those South Africans who have medical aid cover. Belonging to a medical aid scheme does not necessarily mean that all your medical expenses are 100% covered. There are instances where services which are rendered by medical professionals are charged at rates which are above those of the medical scheme tariffs. In these instances, this is an appropriate insurance product which will cover you.

Gap cover is a short-term insurance product which helps prevent financial catastrophe for policy holders. Medical expenses can escalate very quickly, and you do not want to find yourself in a position where these expenses cause life changing financial catastrophe.

Medical aid schemes in South Africa currently reimburse doctors and specialists at 100%, 200%, or 300% of the scheme rate. In reality, however, professional medical providers may charge up to five times the base tariff.

The Solution

Short term insurance companies in South Africa have provided a solution in the form of gap cover. For a low monthly premium, you can cover the medical aid gap and add an extra layer of protection for you and your family.

Today, there’s a choice of flexible cover insurance policies that suit all pockets. You can get cover at up to 600% off the scheme rate for under R400 per month for the whole family.

How do I begin to decide which option is best for me and my family members?

Are you the type of person who wants basic cover and upgrade as you go along, or are you an all-or-nothing kind of person? The point is… we have an option that’s got your name on it.

It really depends on your individual healthcare needs, which medical aid plan you’re on and the level of cover you require, but your right fit is ready and waiting.

The advantages of Gap Cover

Cover when receiving treatment in a non-network hospital.
Co-payment cover for co-payments charged by medical aids for hospital submissions and scans.
Cover while traveling outside of South Africa.
Emergency room cover for accidental injury.
Low exclusions.
Fast and efficient claim settlement.
Prosthesis sub limit cover.

To assist you in choosing the Gap Cover option, contact us today
Cancer diagnosis payout

OPTIONAL EXTRA COVER

In addition to the cover described you also have the option to boost your cancer cover. This extended cover option address the most substantial funding shortfall risk that all medical aid members face. We therefore encourage you to study the extended cancer cover benefit and consider protecting your dependents and yourself from this risk.