What is medical gap insurance?

December 11, 2021

What is medical gap insurance? Well, gap cover is essential today if you belong to a South African medical aid.

You may ask why that is.

As a medical scheme member you have probably run out of medical savings at some point.

Or you have paid a hefty co-payment for specialist care in a hospital.

The good news is that gap cover takes care of those eventualities.

How does gap insurance work?

By signing up for gap cover you make sure you don’t have to pay medical shortfalls out of your own pocket.

Many short-term insurance companies offer gap cover (medical aids do not – they are totally different types of organisations).

We recommend gap cover from Zestlife – the leading gap cover company in South Africa.

What do I need to sign up for gap cover?

Here’s the list:

  • You must be a member in good standing of a South African medical scheme
  • There can be multiple members on your plan – that’s okay

And that’s all!

NOTE: Hospital insurance from companies such as One Plan and Clientele do NOT qualify for medical aid gap cover. Here is the list of medical aids that qualify for gap insurance from Zestlife.

Can I afford gap cover for my medical scheme plan?

Check out the latest prices for gap cover from Zestlife:

Zestlife Gap Cover 2024



You can see from the prices that the premiums are cheap, compared to paying up to R500 000 in hospital bills and specialist care for an unexpected operation.

Where do I contact Zestlife?

Use the little form on this page to get in touch with Zestlife. Complete the fields and remember then to submit the details. We will contact you with a dedicated quote and help you to sign up.

Act now! Add your name and contact details to the form on this page to get your custom quotation.


All info was correct at time of publishing