Apply for a Gap Cover Quote on a Public Holiday

December 19, 2021

Yes, you can apply for a gap cover quote even if it’s a public holiday in South Africa. At the bottom of this page is a list of all the public holidays in SA, for your convenience.

A quick recap as to what gap cover is and some points you need to know before signing up:

  • The objective of gap cover is to make sure you never have to make a medical co-payment. The purpose is to cover “the gap” between the amounts that appear on your medical bills and the amounts that your medical scheme is prepared to pay.
  • Only medical scheme members qualify for medical gap cover
  • One policy covers everyone on your medical aid
  • Any medical scheme qualifies you for gap cover. (Check this list here to make sure you are on a legitimate medical aid.)
  • Short-term insurance companies offer medical gap cover, not the medical schemes themselves. That would be against the law.
  • Gap cover is simple. There are only a couple of options to choose from, which will be a relief to anyone who has had to spend time selecting a medical aid plan, which is really difficult because there are so many variations and levels.
  • There are several firms offering gap insurance (also called top-up cover and shortfall insurance). these include Zestlife, Turnberry and Stratum
  • Gap cover is really inexpensive. The maximum policy cost at Zestlife, for instance, is R619 per month. Here is Zestlife’s 2024 premium schedule:

Zestlife Gap Cover 2024


Below is a list of every public holiday celebrated in South Africa.


New Year’s Day – Wed, 01 Jan 2020
Human Rights Day Sat, 21 Mar 2020
Good Friday Fri, 10 Apr 2020
Family Day Mon, 13 Apr 2020
Freedom Day Mon, 27 Apr 2020
International Workers’ Day Fri, 01 May 2020
Youth Day (in South Africa) Tue, 16 Jun 2020
National Women’s Day Mon, 10 Aug 2020
Heritage Day Thu, 24 Sep 2020
Day of Reconciliation Wed, 16 Dec 2020
Christmas Day Fri, 25 Dec 2020
Boxing Day Sat, 26 Dec 2020

All info was correct at time of publishing