Top 10 Gap Cover Companies in South Africa

    December 4, 2018

    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, let gap cover give you peace of mind.

    ONLY Medical aid members can apply for a 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 R274 – R521 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

    Members have the option of taking out extra cover to boost dentistry and cancer benefits.

    Complete list of Univeral Zestlife gap cover enhancements for 2019

    • Overall regulatory maximum for medical expense shortfall cover increased from R150 000 to R160 000.
    • Cancer lump sum increased from R25 000 to R30 000.
    • Casualty benefit increased from R10 000 to R20 000. Casualty visit must be within 48 hours of the accident.
    • Medical Aid and Gap Cover Premium Waiver maximum increased from R6 500 toR7 300.
    • Medical Aid and Gap Cover Premium Waiver limited to accidental only, but the payment period increased from 3 to 12 months. This change was due to legal requirements.
    • Accidental dentistry maximum increased from R15 750 to R19 250 and amount per tooth increased 2019 Zestlife Gap Cover Enhancementsfrom R2 250 to R2 750.
    • Non-Designated Service Provider co-payment increased from R8 600 to R9 300.
    • Oncology co-payment maximum increased from 20% to 25%.
    • Cover for robotic procedures up to R30 000.
    • Cover for procedures in day clinics.
    • New Oncology Benefit to cover 20% of treatment cost when oncology limit is exceeded.
    • Varicose veins have been added as an out-of-hospital procedure that is covered.

     

    Zestlife Premiums for 2019

    1. Stratum

    Stratum gap cover 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.

    TTop 10 Gap Cover Companies in South Africahe 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%.. There is neither co-payment nor sub-limit cover with this plan.
    • Prestige membership covers 600% of the gap and offers unlimited annual gap cover.

     

    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.

    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.

    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

    There’s no maximum entry age for Sirago 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