The Truth About Gap Cover in South Africa

December 18, 2021

Here are 13 facts that reveal the truth about gap cover in South Africa that everyone should know.

What is the truth about medical gap cover?

  1. Gap cover is a type of insurance
  2. And this insurance is designed to cover the co-payment gap between what medical aids are prepared to pay and the amounts that appear on your medical bills
  3. Only short-term insurers can sell gap cover
  4. Gap cover is also called shortfall cover or top-up cover
  5. The most important truth is that only members of registered medical schemes qualify for gap cover
  6. There are many companies that offer gap cover. Some of these are Zestlife, Sanlam and Turnberry.
  7. Medical schemes themselves DO NOT supply gap cover. That is because they are statutory bodies and not short-term insurance companies
  8. One gap policy covers ALL the beneficiaries on your medical plan
  9. Gap cover is simple. Each company offers no more than three types of gap insurance: a basic gap plan and then some with add-ons such as for Cancer and Heart Disease
  10. Gap cover is inexpensive. Your monthly gap premium should equate to no more than 5% to 10% of your monthly medical aid premium
  11. You can sign up for gap cover online. To start with, you can complete and submit the form on this page. Just add your contact details, answer the three basic questions and then click on Get Quote so we can contact you with a truthful quote relating to your particular medical plan
  12. It is easy to claim from a gap company. Just go online to capture the claim form. Then complete it and upload the claim form, with the requisite documents, as instructed.
  13. If your gap claim is accepted, the amount will be paid in cash into your bank account so you can make your co-payments.














So those are the 13 truths about gap cover in South Africa.

Act now! Complete and submit the form on this page to sign up for gap cover



All info was correct at time of publishing