Top gap cover providers in South Africa all on one page

    Gap plans are vital because more of us have begun to realise the importance of gap cover. The problem is, where do you start?

    With so many different alternatives out there, choosing the right cover can be tough.

    In this article, we’ll go through the top options available in South Africa so that you can choose the right one for you.

    Not sure what gap cover is? It is short-term insurance designed to bridge the gap between the amount that your medical aid pays for specialist care and what the doctors charge you.

    Gap cover lets you focus on getting better, rather than worrying about the extra expenses that are not covered by your medical plan.

    Gap plans and South Africa’s top 10 providers of gap cover

    Medical gap plans


    With monthly premiums that start at R245 for basic cover and go up to a maximum of R466.



    Zestlife Gap Cover will not only pay the shortfall between procedures in hospitals but will also cover:

    • Any differences between what the medical aid pays and what the doctor charges.
    • In-hospital treatments with an affordable co-payment.
    • A payout should you be diagnosed with stage 2 cancer.
    • An accidental death benefit of R5o 000 and also cover for permanent disability.
    • The opportunity to opt for additional cover related to cancer and dentistry.


    The medical gap plans offered by Stratum is a more budget-friendly option with a  maximum monthly premium of R168. The plans all have gap cover that is unlimited.l cover the difference between with doctors or specialists charge and the standard medical aid rate.

    All plans cover the difference between with doctors or specialists charge and the standard medical aid rate. They are also able to provide the cover with a co-payment.


    Gap cover from Turnberry provides up to 500^% cover when it comes to staying in a hospital. The monthly premiums begin at R79 and go up to R124 making this a very affordable cover.

    The standard plan, “Elect-a-care” covers you for deductibles for dentistry, scopes, scans, and payments made in-hospital. Included are some scans outside of the hospital.

    The more comprehensive plan, “Elect-a-care-plus” will help with co-payments at the hospital and offers a range of benefits for out-of-hospital procedures. With the plus plan, there is a range of deductibles.

    Essential Gap Cover

    Another one of the top options available in South Africa. You can choose one of the following options when it comes to Essential Gap Cover:

    • For a monthly premium of R140, you can get cover up to a maximum of 500% of the gap. The annual limit for cover is R250 000 and, aside from this, there are no other limits in place here. You will not be expected to make a co-payment.
    • For a monthly premium of R160, you can get cover up to a maximum of 600% of the gap. This is an unlimited plan, and this prestige plan will also cover your family.


    This cover is not limited to services when you are in hospital but also covers services when you are an out-patient as well. Such as when you need chemotherapy, radiotherapy or dialysis, for example.

    The annual limit is R2 000 000 for each family. The cover with extends to a maximum of five times the medical aid rate.

    Complimed Gap Cover

    This cover is basic and affordable with monthly premiums starting at R61 and a maximum premium of R121.


    The Fusion package by Xelus is intended for employer groups. It will cover any shortfall, no matter what medical aid you belong to. Xelus has made the top 10 list for many years in a row.


    Starting at a monthly premium of R115 and covering up to five people in the family, this is good value for money.

    There are no annual limits, and there is not a maximum age to enter the plan. The cover will cover in-hospital fees for health care providers and optometry and dentistry as well.


    This is no-nonsense, easy to understand cover. When you are in the hospital, there is no need to worry about any shortfalls.


    Talksure offers cover that is simple and straightforward.

    Gap plans are an essential part of being insured. Say goodbye to over the top specialist bills. Say hello to peace of mind.

    If you have Medical aid scheme, apply for a single FREE quote by filling in the form on this page and submitting it to us.

    *All prices/rates etc. correct at time of uploading.