Fill in Your Medical Aid Scheme’s Gaps

December 12, 2021

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 R300 a month to R600 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 80Individuals or families can invest in the plans. Children must be under 26 years of age.


Sanlam offers two plans, the Comprehensive and Standard plan.  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 per insured member. Therefore, you’ll never be left with a large excess amount to settle.

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