Insurance for Medical Aid Members to Cover Co-Payments

December 18, 2021

Gap cover insurance is now available in South Africa to members of registered medical schemes.

In other words, you must belong to an officially recognised medical aids in order to quality for gap insurance.

Some of the more famous medical aids are Discovery Health, GEMS, Selfmed, Bonitas and many more. See the full list of schemes here.

What does gap cover insurance do?

If you have medical aid then you know that sometimes your medical cover runs out before the end of the year.

Or you receive massive bills despite the fact that you have medical scheme membership.

These are called co-payments. They happen because medical aids rarely pay your hospital or specialist bills in full, leaving you with a hefty amount to pay out of your own pocket.

insurance for medical aid co-payments

Not many people have R10 000 to R150 o00 to pay out of their own pockets.

That’s where specialised short-term insurance called gap cover comes in.

There are several specialised companies offering this assurance. (Medical schemes themselves are not allowed to sell gap cover.)

Among these firms are:

  • Zestlife
  • Turnberry
  • Sirago
  • Talksure
  • Essential


Is gap cover insurance expensive?

No. You can expect to pay a gap cover premium between the equivalent of 5% to 10% of your monthly medical aid premium. That’s better than facing co-payments.

How do I sign up?

Start by requesting a gap cover quote on this page. Complete and submit the short form.

An agent will get in touch with you to ask which medical aid you are with and give you a quick quote.

And the good news is that you don’t have to deal with paperwork. You can complete your application online and via email.

It’s quick and easy. Use the handy online contact box on this page so we can send you a quote and then sign you up for gap cover



All info was correct at time of publishing