Top 10 Gap Cover Companies in South Africa

    June 15, 2015

    Because more people realise the importance of gap cover, it’s important to know the Top 10 gap cover companies in South Africa.

    Gap cover is a short term insurance that covers the gap between what your medical aid will pay and what healthcare professionals charge. Read what the top 10 gap cover companies say.

    Instead of facing the trauma of unforeseen hospital expenses, specialists fees and a host of other costs that creep in unknowingly like scans, counselling, consumables or a longer than planned stay in hospital – gap cover gives you peace of mind.

    ONLY Medical aid members can apply for one FREE medical gap cover quote by completing and sending the form on this page

    Top 10 Gap Cover Companies in South Africa that Offer Amazing Life Saving Cover

    1. Zestlife

    Ranging from R247,15 – R470,07 a month, Zestlife gap covers you for in-hospital procedures as well as:

    • Shortfalls on doctor’s charges
    • Co-payment cover for hospital treatments
    • Once off payment if you have cancer
    • R50 000 for accidental death cover and accidental injury cover

    Top 10 Gap Cover Companies in South AfricaMembers have the option of taking out extra cover to boost dentistry and cancer benefits.

    1. Stratum

    Stratum gap covers ranges from R99 to R168 per month. All the plans offer unlimited gap cover.

    All plans also cover the gap between medical aid rates and doctor’s and specialist’s rates. There is also co-payment cover. Cover for MRI and CT scans is included in the less basic cover options as are a range of in-hospital procedures and treatments.

    1. Turnberry

    Turnberry gap cover provides as much as 500% cover for in-hospital stays. Prices for Turnberry gap cover start out at as little as R79 per month up to R124.

    The elect-a-care standard plan covers deductibles like dentistry, scans and scopes, in-hospital payments and even out-of-hospital scans.

    The elect-a-care-plus helps you cover in-hospital co-payments, out-of-hospital benefits and various deductibles.

    1. Essential Gap Cover

    Essential gap is another top gap cover product in SA. There are two policy options with Essential Gap:

    • Elite memberships cover up to 500%, and there is an annual limit of R250 000. There is neither co-payment nor sub-limit cover with this plan.
      The plan is only R140 per month.
    • Prestige membership covers 600% of the gap and offers unlimited annual gap cover. This plan starts at R160 per month for principal member plus family.


    1. Ambledown

    Ambledown gap cover is a superior product that helps you cover the gap for charges above the medical scheme rates.

    That applies to in-hospital services as well as the necessity for radiotherapy or chemotherapy for cancer treatment as an out-patient. The also covers kidney dialysis as an outpatient.

    Ambledown gap is limited to R2 000 000 per family per year. The cover is limited to 5 times the medical scheme rate.

    More Leading Gap Cover Providers

    1. Complimed Gap Cover

    Complimed gap cover is a basic option and an excellent addition to your medical aid policy. You need to be a member of a medical aid scheme to qualify for gap cover. Complimed’s gap options range from R61 – R121 making it very affordable.

    1. Xelus

    Xelus’ Fusion package is for employer groups. It provides cover for all types of shortfalls, no matter which medical aid choose. A long time member of the top 10 gap cover companies.

    1. Sirago

    Sirago gap cover starts at R115 per month for a family of 5. There’s no maximum entry age and no annual limit. In-hospital dentistry and optometry are covered as are health care provider’s fees.

    1. Jenius

    Jenius is another one of the top 10 gap cover companies which offers straightforward gap cover to help you cover the expenses between what your medical aid will pay and what you’re charged during a hospital stay.

    1. Talksure

    Another leader in gap cover in South Africa.


    ONLY Medical aid members can apply for one FREE medical gap cover quote by completing and sending the form on this page

    All info was correct at time of publishing