Stratum Comprehensive Medical Gap Insurance

December 12, 2021

Gap cover is a must-have if you don’t want to have huge medical bills to pay that your medical aid didn’t pay. Gap cover isn’t a medical aid. It supplements it. It is designed to provide additional cover for those tariff shortfalls on medical accounts for in-hospital procedures. Here we look at Stratum comprehensive medical gap insurance.

Gap cover is only available to medical scheme members. South Africa has some gap cover providers, of which Stratum Benefits is one. So they are an authorized financial services providers and have a solid reputation of speedy claims payments.

Stratum knows that medical aid members are concerned about the future – so not having the funds to pay for those treatments not fully covered by the medical aid. Also, Stratum gives medical aid members lots of choices to fit different budgets.

Stratum Comprehensive Medical Gap InsuranceStratum Comprehensive Medical Gap Insurance

We look at Stratum Comprehensive Medical Gap Insurance which has been designed to provide additional cover for tariff shortfalls.



  • Truly affordable – the monthly premium is R167 for an individual and R205 for a family. Dependants only pay R60
  • oncology benefit – additional cover for oncology related co-payments and a sub-limit imposed by a medical scheme – limited to R350 000 per policy per annum
  • this benefit provides additional cover of 500% above the medical scheme rate
  • this cover also includes cover for tariff shortfalls for certain in-hospital related accounts
  • The co-payment benefit provides cover for co-payments imposed by a medical scheme.
  • a Casualty Benefit limited to R4 000 per year and per policy
  • Trauma Counselling Benefit limited to R4 000 per policy and per year
  • Additional Benefits:
    – Gap Policy Premium Waiver Benefit – covers the premium paid each month for 12 months
    – Accidental Death Benefit  – limited to R5 000 for each person
    – Medical Scheme Contribution Waiver Benefit – limited to R4 000 for each insured family and a period of 3 months


Some General Information that Stratum Gap Cover members should remember –

  • Entry age needs to be before the 70th birthday
  • dependent children are those up to the age of 27
  • There are three months general waiting period, six months waiting period for certain treatments such as among others tonsillectomy, grommets, hernia repairs, cataract surgery, etc. There are a ten months waiting period for pregnancy and childbirth as well as for pre-existing medical conditions.


The Cheaper Alternative

You dare not be without gap cover. Stratum makes it so easy for you and provides an electronic application form for your convenience. So there are one or two questions to answer – no wasting your time or theirs. They are also a short-term insurer designing products which will protect medical scheme members from major medical expense shortfalls.
When you consider that the monthly premium is a mere R167 a month, nothing is holding you back.


Get a FREE gap cover quote by completing the form on this page

All info was correct at time of publishing