Insurer for shortfall cover relating to medical aids

December 18, 2021

Are you looking for an insurer that specialises in gap cover for members of South African medical schemes?

If so, you have arrived at the right place.

By completing and submitting the convenient little form on this page, you make contact with a top-level insurer.

This company is a legend among insurers as they have made a fine art of gap cover for medical aid members.

Why do I need gap cover for my medical aid?

No matter what plan you are on, or which medical aid you belong to, your medical scheme will probably not pay all of your hospital bills.

Just because your medical aid says it will pay “100% or 200%” means nothing when it comes to settling hospital, specialist and other exorbitant bills.

That’s because medical aids pay only the amounts that appear on their internal tariff tables – and not what’s on the bill.

So you need an insurer to cover the shortfalls that result, meaning you won’t have to make co-payments.

Insurer Specialising in Gap Cover


Which insurer cover medical aid shortfalls?

There are several such short-term assurers who specialise in this kind of cover, called gap cover.

Some of these are Zestlife, Sirago, Old Mutual, Sanlam and Turnberry.

It is important to make three points here:

  1. Only medical aid members qualify for gap cover;
  2. A single policy covers all the dependants on the medical plan; and
  3. Any gap cover insurer can cover any member of any registered medical scheme in South Africa.

All the insurers have roughly the same premiums – and they are affordable. You can expect to monthly gap cover premiums amounting to the equivalent of 5% to 10% of your medical aid premium.

Act now. Complete and submit the form on this page to start the sign-up process. And agent will be in touch to discuss the details.

All info was correct at time of publishing