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Universal

Be prepared for life’s unpredictable moments… Take control now so that you don’t lose out later! Get ahead… Get covered!Universal Gap Cover

More and more frequently medical scheme members are faced with the problem of specialist and hospital expenditure that is substantially higher than that which is covered by their medical aid. At the end of the day it is up to the member to pay the difference – often at a time when they can ill afford to do so.

Universal Gap Cover and Gap Plus Cover ensure that neither members nor their dependants are left with a hefty bill following a medical or surgical procedure that is well in excess of the benefit paid by their medical aid, also known as “the Gap”.Universal

GAP COVER BENEFITS:

You will receive the following benefits for this option:

  • Up to R10 million cover in aggregate per annum per family
  • Cover from 100% agreed tariff – 500% agreed tariff

Additional Benefits Automatically Included:

  • 12 Month medical aid premium waiverif a member cannot work for 30 days or more due to an accident
  • Body repatriationas a result of accidental death limited to R20 000 within the SA borders
  • Trauma counsellinglimited to R400 per session and to a maximum of R5 000
  • Motor Hijack benefit
  • Internal Prosthesis Benefit up to R33 000 above sub limitations
  • Out-Of-Hospital Benefit for MRI/CT Scans covering co-payments up to R2 800
  • Casualty/Emergency Room Facility Benefit covering up to R1 000 in the event that an insured is injured and needs immediate medical treatment

GAP PLUS COVER BENEFITS:

You will receive the following benefits for this option:

  • Up to R10 million cover in aggregate per annum per family
  • Cover from 100% agreed tariff – 500% agreed tariff
  • Benefits for co-payments or deductibles limited to R15 000 per insured per annum
  • Dental surgery co-payments (Restrictions applicable)

Additional Benefits Automatically Included:

  • 12 Month medical aid premium waiverif a member cannot work for 30 days or more due to an accident
  • Body repatriationas a result of accidental death limited to R20 000 within the SA borders
  • Trauma counsellinglimited to R400 per session and to a maximum of R5 000
  • Motor Hijack benefit
  • Internal Prosthesis Benefit up to R33 000 above sub limitations
  • Out-Of-Hospital Benefit for MRI/CT Scans covering co-payments up to R2 800
  • Casualty/Emergency Room Facility Benefit covering up to R1 000 in the event that an insured is injured and needs immediate medical treatment

FUNERAL COVER BENEFIT:

Funeral costs are seldom considered until it is necessary to make funeral arrangements. Yet funerals can be extremely costly and often come at a time when family members are financially unprepared. Universal Funeral Cover can help ease the financial pressure of a funeral and other immediate expenses by providing set amounts of insurance cover in the event of death.

Universal Cover (Pty) Ltd offers insurance products, in collaboration with registered insurers that provide you with financial protection when life’s unpredictable moments strike.