Instantlife Gap Cover

December 14, 2021

Instantlife gap cover covers medical aid members for specialist expenses that are incurred during a hospital stay. Importantly, those are the expenses that your medical scheme will not cover.

A life policy like Instantlife gap cover provides you and your family with unlimited cover per year. And this medical gap cover fills in the gap that can result between practitioner expenses and the medical scheme tariff.

Instantlife gap cover is calculated as the shortfall between what practitioner’s charge –which can be as much as five times the medical scheme tariff – and the medical scheme tariffs.

ONLY Medical aid members can apply for one FREE medical gap cover quote by completing and then sending the form on this page

The Benefits of Instantlife Gap Cover Insurance

Instantlife Gap CoverInstantlife gap cover is ideal if you’re a medical member and don’t want the worry of having to fund expensive hospital treatments for you and your family.

So it’s peace of mind when your medical aid policy doesn’t completely cover you.

Many in-hospital procedures require treatment by a surgeon, radiologist and anaesthetist, and these can leave you with a massive payment shortfall.

So does it sound like it’s time to start looking for insurance quotes? Read on. Medical shortfalls happen because medical benefits are limited to a medical schemes tariff. But medical practitioners can charge up to four times that tariff.

You are then left personally liable for the payment shortfall. Unless you have Instantlife gap cover.

Instantlife Offers you a Life Free from Worry about Rising Medical Costs

Get free life insurance quotes for your Instantlife gap cover today. And from as little as R172 per month, your entire family can have unlimited gap cover.

All members of Instantlife gap cover qualify for a R25 000 benefit should they become permanently disabled due to an accident. All members also receive a road cover service.

Text-a-Doctor is another benefit that offers members instant access to qualified professionals for any health related questions.

Some of Instantlife Highlights

  1. In-hospital Procedures

Instantlife will pay out for any potential shortfall in practitioner costs that arise from and illness or accident. That relates to in-hospitalisation for surgical and other medical procedures.

  1. Approved Procedures Out of Hospital

There are a few procedures that Instantlife gap cover will also cover on an out-patient basis:

  • Childbirth
  • Radiotherapy and chemotherapy for cancer treatment
  • Gastroscopy
  • Kidney dialysis
  • Vasectomy
  • Grommets
  • Arthroscopy
  • MRI, PET and CT scans
  • Personalised life insurance quotes
  • Access to the online management portal, to view policy and make changes
  • Member referral programme


Keep in Mind

Ensure that Instantlife gap cover will cover all expenses by having the right correction plan in place. For example:

  • Critical illness cover
  • Life cover
  • Comprehensive medical aid
  • Medical aid gap cover

Gap Cover is essential today, however, you do need to be a member of a current Medical Aid Scheme.

ONLY Medical aid members can apply for their medical gap cover quote by completing and sending the form on this page



All info was correct at time of publishing