Medical Gap Cover – What You Need to Know
January 10, 2015
If you’ve heard of gap cover and toyed with the idea of getting a gap cover quote, then you need a better understand of exactly what medical gap cover is.
Gap Cover South Africa
Gap cover insurance is designed to help you, as a medical aid client, when you need further treatment that isn’t covered by the medical aids. When you get a gap cover quote, understand that your medical scheme covering you 100% is somewhat of a misconception. This simply isn’t the case. The medical aid’s percentage is of their own tariff list and there is typically no indication of the percentage the scheme will cover for treatment costs.
It doesn’t matter whether you choose to be a member of GEMs medical aid; Momentum Health or Bestmed, for example. There are medical practitioners including specialists and other service providers who are entitled to charge whatever they want to – even if it is 400% or 500% of what the medical aid allocates. This alone should prompt you to start looking into medical aid gap cover and getting a gap cover quote.
Get a Gap Cover Quote Today!
So what happens when there’s a difference between what the practitioner charges and what the scheme will pay? Well, a gap forms and that additional cost falls to you, the scheme member. And these payments can be incredibly high.
It is exactly these medical shortfalls that gap cover insurance, such as is offered by Discovery medical aid, has been designed for – and the reason you should request a gap cover quote today.
Insurance Quote Online
It’s really easy to get a gap cover quote online, and so long as you belong to a medical aid, you are able to apply.
Quick Cap Cover Insurance Quote Online
You can get an online insurance quote or gap cover quote by filling in the form on this page. Our gap cover experts will get in touch to tailor your gap cover needs and include everything in your gap cover quote.
If you belong to a South African medical aid, please complete and send the form on this page and we will send you one gap cover quote
Some schemes do have general as well as condition specific waiting periods or pre-existing conditions. There are some gap covers that will only cover in-hospital treatments and specialist expenses so be sure to read your gap cover quote carefully. There are also medical aid schemes that offer gap cover for procedures performed in a doctor’s practice.
Typically a scheme will pay the stated benefit directly to you, the member. And you will then pay it on to the medical practitioner. When you get your gap cover quote, be sure to thoroughly compare the various gap cover options to find the right cover for your needs.
Get a Gap Cover Quote Right Now
To get your one free quote please fill in the form on this page. Our gap cover expert will get back to you as soon as possible.
Do keep in mind that gap cover is not a medical aid but rather a short term insurance. It cannot replace your medical aid policy terms.
If you belong to a South African medical aid, please complete and send the form on this page and we will send you a gap cover quote
All info was correct at time of publishing