Cover the Gap is a Good Way to Supplement Your Medical Plan

December 12, 2021

A stint in hospital can be full of concerns as it is. You don’t want financial concerns preventing you from getting well. A sudden illness treated by a specialist can mean bills so large, your medical aid will only pay part of it. You need to cover the gap

This shortfall amount is created when specialists charge way more than what your medical aid will pay. The shortfall amount is what you will have to pay. That is if you don’t have shortfall insurance cover.

The single best thing you need to cover the gap

Top-up products are the only way to take care of these shortfalls. Mercifully, South Africa has many of these short-term insurance providers.  Cura products come from Hollard insurance. It’s short term insurance that helps with hospital expenses not paid by your medical scheme.

Cura Administrators are an authorised Financial Services provider that was established in 1997. Cura’s Cover the Gap means that you get top-up cover options from a range of leading gap cover providers.

These are –

  • Cura
  • Sanlam
  • Stratum
  • TRA
  • Turnberry
  • Liberty
  • African Unity Health


Cover the Gap Offers a Choice of Gap Cover Policies

From Cover the Gap


With Cura gap cover you get different options. They’ve got their GapCo Basic Cover for when a member is an in-patient. They also have their Gap Co MRI and Gap Co Sub which include gap of up to 500% and co-payment. The Gap Co Sub Ca includes gap of up to 600%.

This is their more comprehensive gap cover. You also get co-payment, sub-limit as well as oncology benefits. There are also additional benefits such as the very popular lump sum cancer diagnosis benefit.

Cura administers all their products professionally, including the processing of applications. You can apply online for gap cover.



Liberty products are also worth investigating.

Liberty Health was established in 2008. They are a leading health insurance provider. They provide shortfall insurance to thousands of people in South Africa.

They offer 2 gap cover options for businesses as well as individuals  – Universal policies and Essential policies.  Their  Universal product is the more comprehensive cover. It also offers additional financial protection for a host of health risks.

Their more affordable Essential Gap Cover offers shortfall cover for the most frequent shortfalls. They also offer additional financial protection for selected health risks. Liberty also offers their Extended Cover which takes care of extended cancer- and dental cover.



Total Risk Administrators are an authorised financial services provider. Their products are for members and children up to the age of 25. People like that there is no entry age limit.

Those battling to make ends meet will appreciate that their basic insurance is below R150 a month. Their options include their Basic Cover 300, Vital Cover Plus, Super Cover Plus and Absolute Cover Plus.

More dependent than ever on medical shortfall insurnace

Rising healthcare costs and rising medical aid costs with ever less cover is a huge concern. No ordinary South Africans can afford the in-hospital bills their medical aids only partially cover.

Luckily there’s a way to cope with this unfairness – medical shortfall insurance.  While specialists are charging exorbitant fees, you can’t get by without this type of cover.

Cover the Gap provides plenty of options from leading providers. They are more than willing to give details about their range of products.


Complete and submit the form on this page
to receive your personal gap cover quote. Act now!

All info was correct at time of publishing