All about gap cover for married couples

December 11, 2021

Married couples definitely qualify for medical gap cover. And if both of the parties are on the same medical aid then one gap policy will cover both members.

For instance, if both husband and wife (and children for that matter) are members of a medical scheme such as Selfmed, Discovery or one of the many others, they qualify for gap cover.

How do married couples apply for gap cover?

It’s easy to get top-level gap in South Africa. Use the convenient online contact box form on this page. Add your details, then click the Get a Quote button.

A medical gap cover expert will contact you to give a personal quote and help sign you up for cover.

Gap cover for married couples

Must we belong to a medical aid to get gap cover?

Yes. A married couple must be a member of an “official”, registered medical aid in South Africa. Here is the full list. Make sure your medical scheme is listed there before applying for gap cover.


Please note that having short-term health insurance, such as supplied by OnePlan, Clientele or Day 1 is not the correct kind of medical plan for gap cover.

Is gap cover for medical aid expensive?

No, it’s not expensive. On the contrary – gap cover for medical aid is cheap, especially considering that the married couple — and anyone else on the medical plan concerned – get cover from a single policy.

So how much will we pay for gap cover?

Medical aid members can expect to pay the equivalent of between 5% to 10% of their monthly Medical Scheme Premium as there gap cover premium.

So that’s a bargain. For an increase of 5% to 10% in medical plan expenses you cancel out co-payments.


Save on medical expenses now by completing and submitting the form on this page to get a quote and sign up for gap cover. Act now!


All info was correct at time of publishing