An increasing number of people have begun to realise how vital it is to add one of the top ten gap products to their medical aid benefits. And they do this with a short-term plan called Gap Cover.
There is always a difference between what your medical aid scheme pays for hospital bills and what the specialists charge. Gap cover pays that difference. It can also pay for extras such as scans and counselling.
The Top Ten Gap Products
Let’s look at the top Gap cover plans in the country. they apply to all medical aids in South Africa including Discovery, Bonitas and GEMS.
Note that these plans can have extra dental and cancer benefits added but the fee is higher.
R253 to R838 monthly covers you for:
- Hospital events
- Shortfall on doctors’ fee
- Co-payments for hospital treatments
- Once-off oncology payment
- Death by accident or injury
- Stratum
Cover for:
- 200% more than what your health scheme pays, and what you are billed
- Annual dental benefit
- Annual MRI, CT and PET scan benefit
- Pathology
- Physiotherapy
- Items like bandages, gauze and surgical gloves
- Hospital medicine
Turnberry and Ambledown
Turnberry
Cover for:
- Health expense shortfalls of up to 350%
- Casualty visit
- Health Scheme fees waiver in the event of death or total disability
- Gap Premium Waiver for six months in the event of death or total disability
Ambledown
Cover for:
- Set amount per member yearly
- Dread disease
- A six-month fee waiver
Complimed and KaeloXelus
Cover for:
- In and out of hospital
- Cancer diagnosis
- Health Scheme fee waiver
- Gap Premium waiver
- Personal accident
- KaeloXelus
Monthly fee per family covers you for:
- Oncology treatment shortfalls
- Medical bill shortfalls
- Co-Payments
- Sub-limits
Sirago and Discovery
Sirago
Cover for:
- Medical expense shortfalls
- Co-payments
- Out-patient and emergency treatment
- Hospital account shortfalls
- Sub-limit enhancer benefits
Discovery
Added Gap Cover for your medical aid. What you choose adds on and extends certain health cover options at a fee you can afford. Note these plans can be subject to waiting periods.
Old Mutual and Sanlam
Old Mutual
This covers you for:
- A set annual amount per member yearly
- Up to 500% of medical aid tariff shortfalls
- Co-payments for scans
- Yearly amount for sub-limit shortfalls
- Annual oncology amount per member
- Set amount for dental work per member yearly
Sanlam
Cover for:
- 500% above medical aid tariff shortfalls
- Set amount per sub-limit per event for hospital treatment shortfalls
- No limit cover for treatment with co-payments
If you are a member of a medical aid scheme you qualify for a Gap Cover quote. Fill in the form on this page then submit it to get a quote. Act now!