Which are the Top Gap Cover Companies in South Africa?

February 28, 2022

There are many companies that offer gap cover, so which are the top gap cover companies in South Africa? Here is a look at four of the best options.

Zestlife – Top Gap Cover Companies in South Africa

Zestlife provides various gap cover options. There is no limit on claims for any of the products.

All products provide cover in and out of the hospital for more than 50 procedures. Additionally, co-payments, standard and non-DSP, are covered by Zestlife.

Here are Zestlife’s 2024 premiums:

Zestlife Gap Cover 2024










Zestlife has standard exclusions. Claims related to births have a waiting period of 12 months. Pre-existing condition will have an exclusion of 12 months

Guardrisk (global credit rating AA-) underwrites Zestlife.


Ambledown offers 13 options for gap cover. Each option will cover costs at a different level.

Gap cover with Ambledown can be purchased from Constantia (global credit rating of A-) or Hollard Insurance (global credit rating of AA).

Sirago – Top Gap Cover Companies in South Africa

Top Gap Cover Companies In South Africa

Sirago offers four options for gap cover. The plans offer in-hospital, out-of-hospital, and prescribed minimum benefits (PMB). The highest products have added benefits such as penalty, admission, and cancer cover.

Age limits depend on the option chosen. The Basic Gap Cover has an entry age limit of 40 years, whereas the Gap Cover has a limit of 65 years. Options that are more expensive have no age limit.

A three month waiting period is applicable. Not all pre-existing conditions will have coverage in the first year.

Genric Insurance (global credit rating A-) is underwritten by Sirago.

Stratum Benefits

Stratum Benefits have received awards and have four options for gap cover. Products provide gap cover in-hospital and cover for trauma help, emergencies, road accidents and cancer diagnosis. Top plans also provide benefits for accidental death and co-payments.

Stratum Benefits does not impose any limit on maximum age; also, there is no limit on claims.

A waiting period of three months is applicable and the waiting period is six months for pre-existing conditions. A waiting period of 10 months applies to specified procedures.

Constantia Insurance (global credit rating A-) underwrites for Stratum Benefits.


Add your details to the form on this page and click on the “Get a Quote” button to get a Gap Cover quote

All info was correct at time of publishing