Sign Up Anytime for Gap Cover

December 14, 2021

Midyear is fine for signing up for gap cover. Don’t wait for year-end.

Gap cover is entirely different from medical aid. For a start, medical schemes are registered, official bodies which update their premiums at the end of each calendar year. Gap cover policies, on the other hand, are short-term insurance products you can buy anytime – midyear is okay too.

Of course, your premiums for gap cover (also called top-up insurance or shortfall cover) will update at year-end in tandem with medical aid, as the product relates to your medical scheme membership. However, you can sign up any day and in most cases your policy takes immediate effect.

What happens at midyear – or any other time – when you sign up for gap cover

It’s okay to sign up for gap cover at anytime of year – January, February, March, April, May, June, July, August, September, October, November, December – as long as you are a member of a South African medical aid.

  • A great start is to complete for a midyear quote and then submit the form on this page to get your quote from a reputable and experienced gap company.
  • There are dozens of great benefits to having gap cover for medical aid. Here are some of them.
  • The purpose of gap cover is to ELIMINATE co-payments. SA medical aid members know that medical schemes always report shortfalls when you land up with medical bills. Gap cover takes care of the shortfall.
  • A single shortfall insurance policy covers EVERYONE on your medical aid – spouse and children included.
  • Gap cover is certainly a cheap short-term insurance product to supplement your medical aid. It won’t cost you more than the equivalent of 10% of your monthly medical aid premiums.
  • Claiming against your gap cover policy is easy. You can sign up by phone and email, and you can claim by phone and email too. Provide all the information the company needs and after that the payout will follow quickly.


Sign up now. It’s quick and easy. Use the form here. Act now!


All info was correct at time of publishing