Universal Gap Cover Makes it Better

    Imagine this: you have a serious accident and land in a hospital. You have no Universal Gap Cover.

    Specialists attend to you and there are lengthy operating procedures and a long hospital stay.

    You recover 3 months later – time to pay the bills. No problem! You have a medical aid scheme that pays !00% of the bill. Right! So you have full cover, right? Wrong!

    No problem, Universal Gap Cover makes it all right again!

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

    So What do South African Medical Schemes Cover after all the Premiums I’ve Paid?

    Health cover from any medical aid scheme pays 100% of the fees. But specialists fees are way more than the medical aids will pay. Specialists can charge as much as 400 percent of those rates. YOU have to find the other 300%.

    That’s a good reason why you need a gap cover plan. Universal are prepared for those unpredictable moments life throws at us. Gap cover insurance from Universal offers us peace of mind.

    Universal Cover You from All Sides

    When there’s a payment shortfall, we’re covered. We won’t be left out of pocket due to unforeseen medical bills.

    Universal Gap Cover

    It’s happening more and more often: medical aid members are being left with massive bills as they face the problem of hospital and specialist expenditure that is a lot higher than what their medical scheme will pay for. At the end of the day, it’s up to you, the member, to cover the difference. And let’s face it, there’s never a good time for big bills.

    What Universal Gap Cover Offers

    Universal medical gap cover, and their alternative product, Gap Plus Cover, ensures that members and their dependents aren’t left with unaffordable bills after a hospital stay.

    These costs are usually way in excess of what the medical aid will pay. Medical gap cover like Universal helps you cover the outstanding costs. This gap cover starts from as little as R126 per month per family.

    The benefits of Universal gap cover include:

    • Up to R10 million cover per family per year
    • Cover from 100% of the agreed tariff up to as much as 500% of the agreed tariff.

     

    For R161 per month per family, you can enjoy the following gap cover benefits:

    • Cover from 100% of the agreed tariff up to 500% agreed tariff
    • Up to R10 million cover per family per year
    • Benefits for deductibles and co-payments limited to R15 per member per year
    • Co-payment for in-hospital dental surgery
    • 12-month medical aid premium waiver if you are unable to work for 30 days or more as a result of an accident
    • If you die accidentally within SA borders, Universal provides body repatriation limited to R20 000
    • An internal prosthesis benefit of up to R30 000 above the sub-limitations
    • Motor hijacking benefits
    • Trauma counselling up to R400 per session to a maximum of R5 000

     

    Universal Gap Cover have you covered.

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