Do You Want to Buy Gap Cover?

December 15, 2021

There are a vast amount of gap cover providers in South Africa. Each gap cover provider offers their own products with a variety of benefits. So do you want to buy gap cover?

Your medical aid will pay a specialist or for hospital treatments at a predetermined rate or percentage. Often this percentage is not enough as medical professionals may charge several times the rate proposed by the medical aid.

The main member of your medical aid plan is then responsible to settle the rest of the account which was not paid by the medical aid. This shortfall, or gap, can be quite high and oftentimes come as a surprise.

The only solution is to buy gap cover to cover the shortfall on in-hospital accounts. Since gap cover offers added benefits it is well worth considering the purchase of a gap cover plan.

Gap cover is affordable

Do You Want to Buy Gap CoverThere are many options when considering gap cover. You will need to consider the medical expenses you may require gap cover for, and the amount you are able to spend on gap cover.

Choosing a gap cover product is up to you. Consider as many options as possible and how they can benefit your family.

Buying gap cover – Do You Want to Buy Gap Cover

Here are a few gap cover options for you to consider:

  • Liberty Gap Policy: the main member and all dependents of the main member have coverage by this policy. The cover for in-hospital treatment is at 500% the medical aid rate and many out-patient treatments are covered at this rate. Many other benefits are applicable to this plan. A lump sum is also paid out with the first occurrence of cancer in any of the insured persons.
  • Multi-Prof: affordable gap cover with two options. Many of the clients are professionals such as engineers, architects, and medical professionals. Any person who has medical aid qualifies for gap cover with Multi-Prof but they cannot be older than 65 years.
  • Zestlife: here are premiums for the gap cover sold by Zestlife. There is an Essential and Universal plan offering cover at different levels.


2024 Zestlife Premiums

Zestlife Gap Cover 2024


Most medical aids also offer their own gap products. Otherwise, you could opt for an entirely different insurance company which offers gap cover. Go through as many options as possible before buying a gap cover product. So do you want to buy gap cover?


Please add your details to the form on this page and click on the “Get a Quote” button to get a Gap Cover Quote

All info was correct at time of publishing