Close the Shortfall in Your Medical Cover
Protect yourself from massive specialist co-payments and tariff shortfalls during hospital stays.
What it is & Why it matters
South African medical specialists often charge up to 500% or more of the standard medical aid rate. Gap cover pays the difference between what your doctor charges and what your medical aid actually covers, shielding you from unexpected debt.
Gap cover option comparison
Option 1
300% Shortfall
- Medical expense shortfall of 300%
- Admission co-payment
- Penalty co-payment
- Dental cover
- Maternity cover
- Mri, Ct and Pet scans
- Cancer benefit
- Casualty benefit
- Trauma counselling
- Accidental death and disability
- First time cancer diagnosis
- Wellness careline
Option 2
400% Shortfall
- Medical expense shortfall of 400%
- Admission co-payment
- Penalty co-payment
- Dental cover
- Maternity cover
- Mri, Ct and Pet scans
- Cancer benefit
- Casualty benefit
- Trauma counselling
- Preventative care
- Wellness careline
Option 3
500% Shortfall
- Medical expense shortfall of 500%
- Admission co-payment
- Penalty co-payment
- Dental cover
- Maternity cover
- Mri, Ct and Pet scans
- Cancer benefit – include breast reconstruction
- Casualty benefit
- Trauma counselling
- Sub-limit benefit- renal dialysis
- Physical rehabilitation benefit
- Out-patient specialist consultation benefit
- Private room benefit
- First time cancer diagnosis
- Medical aid and gap contribution waiver
- International travel insurance
Key benefits
Covers specialist tariff shortfalls inside the hospital.
Helps pay for oncology and cancer treatment shortfalls.
Low monthly cost for high financial security.
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Frequently Asked Questions
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