Ambledown Gap Cover

December 10, 2021

Have you heard of medical gap cover? Ambledown gap cover aims to cover the gap in payment between what a medical aid in South Africa will pay and what medical professionals charge.

Without gap cover, you would be responsible for these additional payments which could very quickly leave you financially strapped.

Medical aid plans don’t offer you full coverage regardless how comprehensive they may seem, besides their 100% or 200% cover claims. And it is here that Ambledown cover comes into play.

Gap Cover is an Innovative Form of Short Term Insurance

Gap cover offers all members of a medical aid scheme the peace of mind that excess in-hospital medical expenses are covered regardless of the treatment you may require.

Ambledown shortfall insurance offers medical aid members coverage for as low as R200 per month for both you and any child dependents up to the age of 21; or even 25 if the child is a full-time student. The cover does not include adult dependents.

Ambledown Gap Cover

The maximum benefit that Ambledown gap cover covers is 500% of the medical aid tariffs. However, the cover does not include Prescribed Minimum Benefits.

Ambledown top up insurance will only cover co-payments with designated service providers. Also, Ambledown includes only specific hospital procedures, including CAT scans and MRIs.

The Ambledown gap cover limit is R2 million per annum

When you sign up for Ambledown gap cover, there will be a 12 month waiting period for pre-existing conditions.

A 3 month waiting period for all other instances and a 12 month waiting period for pregnancy, and you will have to complete a medical questionnaire before approval for gap cover.

Ambledown gap cover offers a sub-limit cover and also a cancer sub-limit

What Exactly is Gap Cover?

Simply put, when you need to be treated in hospital, the cost that your medical scheme will cover and what medical specialists actually charge differ, leaving a gap that needs to be paid for either by you or from a short term gap cover plan that won’t leave you financially broke.

The great thing about Ambledown gap cover is that you can use it in conjunction with any medical scheme including:

  • Discovery Health medical aid
  • GEMS medical aid
  • Genesis medical aid
  • Liberty medical aid
  • Momentum medical aid and any other medical scheme in South Africa.


Ambledown gap cover serves as a very necessary supplement to a medical aid policy and should not be used as the only form of medical cover.

Ambledown gap cover limitations

Keep in mind that gap cover insurance won’t automatically cover co-payments when you join a medical aid. You have to buy it yourself.

Please complete and then “click to send” the form on this page.
We will then return with a gap cover quote
Note: gap cover is for medical aid members only!

All info was correct at time of publishing