Fill in Your Medical Aid Scheme’s Gaps

    May 16, 2017

    Where do I buy medical gap cover in South Africa? A question often asked. The registered medical aid plan you belong to is the answer. Or, you can invest in gap cover by filling in an online form on any of these providers’ sites like Zestlife , Complimed or Stratum. You can also buy gap cover from independent financial service groups and brokers.

    There is no shortage of gap cover providers in South Africa. Gap cover pays the shortfall when specialists charge well over medical aid rates. Without it, you have to settle this difference which can run into thousands of Rands. Sometimes these shortfalls can be so exorbitant that people have had to sell their homes to settle their medical bills.

    Where do I buy Gap cover that suits Me?

    Where do I buy Because there are so many gap cover companies, you have to research the providers for a plan that suits your needs and your budget. Always go for a provider who is financially stable. Find out what their overall cover limit is, the maximum entry age and what waiting periods there are.

    Fortunately, when you do research on medical gap cover, you’ll see that gap cover plans vary in keeping with people’s budgets and that they can be anything from R90 a month to R250 a month.


    Founded in 2001, Turnberry is a registered financial services provider. Their gap cover plans are available to clients no matter which medical aid scheme they are with. The cover is transferable in the event of a change in the client’s aid scheme, plus their plans take care of shortfalls and co-payments. The Senior Cover entry age is 65 until age 80, with a premium of R255 per month and a general waiting period of 3 months. Individuals or families can invest in the plans. Children must be under 26 years of age.


    Sanlam offers two plans, the Comprehensive and Standard plan. The Comprehensive cover is R198 per month, and the Standard is R166 per month. With the Comprehensive Gap Cover, you get in-hospital treatment benefits, unlimited deductibles, unlimited co-payments and tariff shortfalls up to 500% of scheme fares. The cover takes care of the difference between what the specialist charges you and what your medical aid will pay. All new gap cover plans have an annual limit of R150 000 per insured member. Therefore, you’ll never be left with a large excess amount to settle.


    Liberty gap cover has three options – Standard, Universal and Core. The cover is for anyone no matter what medical aid scheme they belong to. There are no limits on the number of children covered, and there is no need to have any medical examination. Shortfalls are covered up to 500% of the medical scheme tariff, including co-payments. Extended cancer cover and dental cover is also available. So, where do I buy gap cover? Well, we’ve mentioned just three gap cover providers, but there are plenty more such as Zestlife and Stratum among others. When you compare quotes, you’ll find a gap cover plan that suits your budget. No need to worry anymore about where to find the money for high medical bills.


    Next step: complete and then submit the form on this page to request a personal gap cover quote


    All info was correct at time of publishing