Stratum Elite Medical Gap Insurance

February 28, 2022

In South Africa, medical schemes have always been a way for members to feel secure that all their medical treatments are fully met. Being a member of a good medical aid should provide 100% peace of mind, but there’s something that doesn’t add up – somewhere where members are losing out. Here we look at Stratum Elite medical gap insurance.

Your Medical Aid Isn’t Co-Operating

Medical aid members have discovered that their schemes aren’t paying out in full for some of their treatments. They’ve discovered that their specialists can charge what they like and that their medical aids aren’t going to pay for when this happens.

South Africans have to do research on gap cover because some of them have learned the very bitter lesson of what happens without gap cover.

Gap Cover – a Supplement to Medical Aid

Stratum Elite Medical Gap InsuranceGap cover isn’t a medical aid – it’s a short-term insurance product which pays for those shortfall amounts that your medical aid won’t pay. So you can only buy gap cover if you belong to a registered medical aid. Also, fortunately, South Africa has some good gap cover providers of which Stratum is one.

Stratum Elite Medical Gap Insurance

Medical aid members appreciate knowing that Stratum doesn’t waste time. From the time you contact them for their gap cover to the time it comes to submit claims to attending to all your queries in a professional but personal way, Stratum makes every second count.
They offer some different gap cover options of which their ELITE option will cover the gap that exists when your medical scheme won’t pay your private healthcare fees. We take a look at what the Elite option offers you –

  • the Elite option covers you, your spouse, all dependents registered on your scheme
  • their gap benefit provides an additional 500% cover
  • you can claim as often as you like
  • Their co-payment benefit covers in- and out-of-hospital medical procedure.
  • casualty benefit
  • trauma counselling benefit
  • road accident benefit


Contact Them

For a small monthly amount, the Stratum Elite medical gap insurance can spare you loads of anxiety in the future. Face it; your medical aid isn’t going to be paying in full for some of the exorbitant charges of specialists and hospitals. So somebody has to pay for the shortfall, and it will be you if you don’t have gap cover.

Be like Stratum – make every second count – contact them right away if you don’t want to face massive medical bills during 2017. Their head office is in Johannesburg but they have regional branches in Cape Town and Durban as well and satellite branches in Bloemfontein and Port Elizabeth.

So you can call them om 086 111 3499 or 010 593 -081 or email them at It is your first move towards peace of mind.


Get a FREE gap cover quote here, just complete the form on this pageĀ 

All info was correct at time of publishing