Linksave Gap Cover is for Medical Aid Members Only

    April 2, 2019

    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

    This policy costs a family R262.28 a month or R403.51 for seniors.

    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 of R150 000 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 R50 000 per family or to R25 000 per incident annually

    Casualty Benefit

    Policyholders injured in an accident, criminal or trauma-related event are covered for a maximum of R5 000 a family, limited to R2 000 per event, 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 of R3 000 monthly, 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

    This policy costs a family R368.20 monthly or R494.30 for seniors. There is also an add-on option of R176.54 to cover single adult dependents up to the age of 27 years if he/she is a beneficiary on the principal policyholder’s medical aid scheme.

    Co-Payments and Deductibles

    Co-payments and deductibles are limited to R80 000 per family or to R25 000 per incident annually

    Sub-Limits

    This policy enhances cover for specified sub-limits, like internal prosthetics, by R100 000 per family annually, limited to R30 000 per event.

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

    Cancer Treatment

    Cover of up to R500 000 per family, limited to R150 000 per person, is available for oncology treatments such as radiation and cancer biological drugs.

    Cancer Diagnosis Benefit

    Policyholders are covered for an additional R15 000 cash payment for first-time cancer diagnosis provided that the beneficiary is registered on an oncology programme.

    • Gap Comprehensive Individual

    The cost

    This policy costs R272.37 a month and R403.51 or seniors.

    Co-Payments and Deductibles

    Co-payments and deductibles are limited to R50 000 annually and to R25 000 per incident.

    Sub-Limits

    This policy enhances cover for specified sub-limits, like internal prosthetics, by R50 000 annually, limited to R25 000 per event.

    It also covers one MRI or CT scans, per policy, limited to R3 000 annually.

    Cancer Treatment

    Cover of up to R150 000 annually is available for oncology treatments such as chemotherapy, radiation and cancer biological drugs.

    Cancer Diagnosis Benefit

    Policyholders are covered for an additional R15 000 cash payment for first-time cancer diagnosis provided that the beneficiary is registered on an oncology programme.

    • Network Plus

    The cost

    The cost of this policy is R237.06 per family every month and R378.29 for seniors.

    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 of R150 000 annually per personup 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 and are limited to R80 000 annually:

    • 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 excisionof 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