Your MSA, medical savings account is there for all of your medical expenses out of hospital for example, x-rays, claiming of medication and payment of doctor’s and specialists accounts.
The Self-payment gap is only a temporary gap in cover when you run out of funds in your Medical Savins Account and you have not reached your annual threshold. When you reached your self-payment gap ( which means your msa are exhausted ) you are liable for the settlement of all accounts and paying of medication until you reached the limit of your selfpayment gap. All receipts and detailed accounts in this period must be submitted to your medical aid as proof that you paid out of your own pocket and to fill this gap. When this gap is filled up the scheme is going to start paying from your above threshold benefit.
The Above Threshold Benefit is like a safety net for all day to day claims that you submit to the scheme. Some specific conditions and treatments do have limits.