Gap cover info for South African medical aid members

December 9, 2021

“Do you want Gap cover explained?” If all your medical aid funds are gone before the year is out then the answer to that question is “Yes!” Here is all the gap cover info you need!

Despite the fees you pay every month for a medical aid scheme, there never seems to be enough funds to pay for your annual health care needs. You need Gap cover!

Gap Cover Info – FAQ’s

Gap cover explained

Why do I need Gap Cover?

Why should I pay out more money every month for Gap Cover when I already pay for a medical scheme?

Because, without a Gap plan, if you end up very ill in hospital you stand the chance of getting a medical bill that could cause a cash crises.

You also have to pay the shortfall.

But my medical scheme pays 100% of my costs.

Yes, 100% of the amount according to their rate card. However, specialists do not work to your medical aids rate card they have their own rates. They are not obliged to adhere to standard tariffs. And it is not uncommon for them to bill you 500% more than what your scheme pays.

Gap Cover Info – Who qualifies?

Do I qualify for Gap Cover?

Anyone who is a member of a South African medical scheme can get Gap Cover.

Can I afford Gap Cover?

Yes, you can! This is a short-term plan like those for your car or household goods. Monthly fees start from as little as R150.

Gap Cover Info – Who is the Best?

Who is the best Provider?

There is no “best” Gap Cover provider. All short-term insurers that offer Gap have different monthly fees and benefits.You need to decide what you want.

How do I get Gap Cover?

Complete the form on this page and get a FREE Gap Cover quote. You can also visit an online site like Hippo. Provide the info they require and you receive quotes from different insurers to suit your needs.

Gap Cover – Are there Limits?

Are there exclusions on Gap Cover policies?

Yes. Generally, the following are excluded from cover:

  • Drug addiction
  • Attempted suicide
  • Cosmetic surgery
  • Mental conditions
  • Hazardous professions such as the military and police
  • Injuries from high-risk sports


Are there age limits?

Yes and no. Age limits depend on which insurer you select. Some have an age restriction of 60 years, while others do not. You will have to pay a higher fee.


The high cost of health care today makes Gap Cover the right choice to protect your financial security in the event of an emergency or hospital event.

Get a Gap cover quote now. Just fill in the form on this page.

All info was correct at time of publishing