Gap Cover Info for South Africans – Get a Quote Here
Do you need gap cover? How often has your medical aid lasted all year? Can you boast even one year that you didn’t have to pay a single cent for any health related services?
Most households that have medical aid in South Africa are still faced with hefty out of pocket medical related costs each year. It makes no difference whether they choose to use public or private healthcare in South Africa. And that’s because they don’t have gap cover insurance.
Who Qualifies for Medical Gap Cover?
It doesn’t matter whether you’re with Discovery medical aid, GEMS medical aid or any other medical aids in South Africa. So long as you belong to a medical scheme, you’re entitled to this kind of cover. No medical aid in SA, no gap cover.
Gap Cover South Africa
We all know that the general cost of living, as well as medical aid contributions, keep rising each year and an unplanned trip to the emergency room can be a very unwelcome and unforeseen for shock financially. That is why having insurance to top up your medical aid can help.
Let’s take a look at an example: a couple planned to fall pregnant within the year and when they succeeded pretty much immediately; it was a little bit of a shock.
They’d only just set up a meeting with their financier to discuss their needs with regards to having a baby. As luck would have it, they asked to learn more about gap cover and everything gap cover South Africa entails and then decided to take out a policy – kind of like taking out shortfall insurance.
If you belong to a South African medical scheme, then you can get one FREE gap cover quote by completing and sending the form that appears on this page!
Now, in this couple’s instance, pregnancy doesn’t fall within the pre-existing conditions category. And it can also be excluded for a particular period from the date of the policy inception. So having a fall back in the shape of shortfall cover was a good idea – especially since their older child required medical attention during the year and the husband had broken his collarbone and required hospitalisation.
Do You Need Gap Cover?
The first thing is to understand how gap cover works. To begin with, it is a type of shortfall insurance that doesn’t for part of your medical cover. What’s more, you don’t need to belong to a particular medical aid provider to enjoy the benefits of the best such cover in South Africa. But you do have to have some form of medical aid – be it basic hospital cover or a more advanced policy.
You can also keep your gap cover even if you decide to change medical aid providers.
What Does Shortfall Cover NOT Include?
The majority of gap policies exclude certain claims that can arise from conditions like:
- Taking drugs
- Cosmetic surgery
- Self-inflicted harm
- Attempted suicide
- Taking part in hazardous sports
- Police or military duty
- Mental illness, stress-related illness, depression or dementia
It’s also worth knowing that this kind of cover tends to offer different maximum entry ages. There are service providers who won’t let you take out top-up cover if you’re older than 60, and those that don’t have a maximum.
If you belong to a South African medical scheme, then you can get one FREE gap cover quote here. Just complete and submit the form on this page!