Interested in Gap Cover

    Where can I find information if I am interested in gap cover?

    Gap cover information is widespread online. So if you are interested in gap cover and you belong to a medical aid, then look no further! Today we will look at some of the top gap cover providers and their products. And these providers are:

     

    Importantly, some other providers that provide comparable gap cover products include:

     

    Interested in gap cover? – Look at Zestlife Universal

    • Maximum rate – maximum of 500%
    • Co-payments – subject to R150 000 per annum per insured person
    • Sub-limit cover – exclusion intraocular lenses; inclusion per year per policy maimum of R30 000
    • Interested in Gap Cover from ZestlifeOncology benefit – rate within yearly medical aid scheme limit for oncology and also scheme rate maximum covered medical aid permitted treatment plan
    • Casualty – subject to a per annum per insured sum of R150 000 and a per year per policy limit of R10 000
    • A per year per person cover for accidental tooth breakage of R15 750 maximum
    • Premium waiver – included in the waiver benefit for medical aid contribution
    • Permanent disability and accidental death – R50 000 lump sum payment should you or any of your be permanently disabled of accidentally die, although permanent disability lapses when you hit 65 years old
    • General waiting periods – childbirth and pre-existing conditions attract waiting periods
    • Pre-existing conditions waiting period – 12 months
    • Cancer waiting period – cancer that is pre-diagnosed is covered as long as remission is recorded for 5 years consecutively
    • Non DSP use: One time payment of R8 600 maximum
    • Out-of-hospital procedures: coverage extends to about fifty out-patient shortfalls
    • Who is insured: premium payer and spouse, as well as all dependants; every age of individual
    • Premium: under 55 individual R325; 55-64 individual R409; 65+ individual R466;under 65 families R409; over 65 families R466

     

    Interested in Gap Cover? – Stratum Benefits Elite

    • Maximum rate – 500% the medical aid scheme rate
    • Co-payments – subject to R150 000 per annum per insured person
    • Sub-limit cover – subject to R150 000 per annum per insured person
    • Oncology benefit – treatment plan must be approved by medical aid scheme, the medical aid scheme allowance must be exhausted first
    • Casualty – R10 000 limit per year per policy, subject to R150 000 per annum per insured
    • Accidental dental – cover extended to in-hospital dentistry if the cause is accidental impact culminating in physical trauma
    • Premium waiver – if premium payer is forcibly retrenched, permanently disabled or dies, gap policy premiums will be settled for 1 year
    • Permanent disability and accidental death – R25 000 lump sum payment for premium payer or spouse, R5 000 for dependant
    • General waiting period – 3 months
    • Pre-existing conditions waiting period – 12 months
    • Procedures waiting period – applicable
    • Cancer waiting period – cancer that is previously diagnosed is regarded the same as a pre-existing ailment; exclusion is 12 months
    • Non DSP use – maximum R8 500 co-payment limit
    • Out-of-hospital procedures – applicable
    • Who is insured – premium payer and spouse. Dependents must be signed up to either the main member’s or spouse’s scheme
    • Premium – 64 year old and under individual R295; 65+ individuals R470; under 64 families R355;over 65 families R575

     

    To get a quick quote, please complete the short form on this page then submit it with a click!