Find a Brokerage Firm that Offers Medical Gap Cover

The mission of the brokerage is to protect South African families from the financial chaos that can ensure following injury, illness and disability. Their flagship product, in our view, is gap cover, which protects medical aid members against the high costs of co-payments, which are increasingly becoming commonplace in SA.

Zestlife has an impressive list of strategic partners. Their policies are reinsured by Gen Re and Swiss Re, two of the largest insurance companies on earth. That fact alone should give you peace of mind, knowing that if you submit a valid claim, Zestlife will be able to meet obligations laid out in your policy and pay in full.

Zestlife is also a member of the Direct Marketing Association of South Africa.

Here is the Zestlife gap cover premium chart for 2024:

Things to know about gap cover

1. You can only get gap cover if you are a current member of a South African-registered medical scheme
2. The product takes care of co-payments that may emerge as a result of specialist care, medical procedures in hospital, and so on. Without gap cover, you must pay co-payments out of your own pocket.
3. Everyone on your medical aid benefits from your gap cover policy e.g. spouse, children
4. The product is extremely popular because it is effective and affordable. You can expect to pay the equivalent of about 10% of your medical aid premium monthly. So if you pay R5000 per month for medical aid, you will probably pay around R500 per month for gap cover.

Get a quote and sign up now. Complete and submit the form on this page so we can contact you with a personal quote and assist you in signing up for a policy.