Linksave Gap Cover is for Medical Aid Members Only

November 24, 2024

As one of the original pioneers of gap cover, underwriting management agency Linksave has years of experience and know-how when it comes to insuring their clients against the many financial shortfalls that can occur when receiving medical care.

By underwriting its own gap cover products, Linksave has effectively cut out the middleman to offer its clients a top-notch professional service with products priced to maintain stability and enforce a high level of service.

Linksave has four gap cover products for medical aid members, streamlined to suit individual needs and financial budgets and these include:

  • Gap 500 Plus

 

The cost

Get a quote.

Dependents

Unmarried dependents are covered until the age of 27 years, provided he/she is a beneficiary of the principal member.

Linksave Gap Cover

Aggregate limits

The Gap 500 Plus has an aggregate limit annually per person up to a maximum of 500% of the medical scheme tariff rate.

Annual limits

The annual limit per family is pegged at R2 million.

Co-Payments and Deductibles

Co-payments and deductibles are limited to a certain amount per family or to an amount per incident annually

Casualty Benefit

Policyholders injured in an accident, criminal or trauma-related event are covered for a maximum per family for treatment in a hospital or out-patient unit. Children under the age of eight years are also covered for any emergency medical situation.

Medical Aid Assist & Premium Waiver

In the event of the death or permanent disability of the principal policyholder, beneficiaries will receive a maximum amount, for six months, to help cover the cost of medical aid premiums.

Legal Assist

Linksave offers a 24/7 legal advice service, as well as a 30-minute free consultation and free standardised legal documents.

  • Gap Comprehensive Family

 

The cost

Get a quote

Co-Payments and Deductibles

Co-payments and deductibles are limited per family or per incident annually

Sub-Limits

This policy enhances cover for specified sub-limits, like internal prosthetics, either annually or per event for the family.

It also covers two MRI or CT scans, per policy, limited to R3 000 per scan.

Cancer Treatment

Cover  per family, limited to a certain amount per person, is available for oncology treatments such as radiation and cancer biological drugs.

Cancer Diagnosis Benefit

Policyholders are covered for an additional cash payment for first-time cancer diagnosis provided that the beneficiary is registered on an oncology programme.

  • Gap Comprehensive Individual

 

The cost

Get a quote

Co-Payments and Deductibles

Co-payments and deductibles are limited  annually and  per incident.

Sub-Limits

This policy enhances cover for specified sub-limits, like internal prosthetics, with a limit per event.

It also covers one MRI or CT scans, per policy.

Cancer Treatment

Cover  annually is available for oncology treatments such as chemotherapy, radiation and cancer biological drugs.

Cancer Diagnosis Benefit

Policyholders are covered for an additional cash payment for first-time cancer diagnosis provided that the beneficiary is registered on an oncology programme.

  • Network Plus

 

The cost

Get a quote.

Dependents

Unmarried dependents are covered until the age of 27 years, provided he/she is a beneficiary of the principal member.

Aggregate limits

This policy has an aggregate limit  annually per person up to a maximum of 500% of the medical scheme tariff rate limited to R1 million per family annually.

Listed Procedures

Benefits equal to the cost of in-hospital apply to the following procedures with an annual limit:

  • Impacted teeth for minors under the age of 18 yearsor reconstructive plastic surgery related to an accident
  • Functional nasal surgery
  • Oesophageal reflux and hiatus hernia surgery
  • Knee and shoulder surgery
  • Back and neck surgery or treatment
  • Joint replacements
  • Cochlear implants
  • Auditory brain implants and internal nerve stimulators
  • Bunionectomy
  • Arthroscopy
  • Removal of varicose veins
  • Breast lumpectomy limited to the excision of the lump only

 

 

Complete and then submit the form on this page to receive your medical gap cover quote. (For medical aid members only.)

All info was correct at time of publishing