Why you should insure your medical aid

December 11, 2021

If something is valuable to you and you are scared of being without its benefits, then you insure it.

For instance, you want the unbroken benefit of an income, a roof over your head, the contents of your home and transport. That is why you take out income and disability insurance, insure your home and its contents and take out vehicle cover.

Over two million South Africans are members of medical aids and they rely heavily on the benefits.

But what if one landed in hospital and needed specialist care, and then found that your medical aid was “missing in action” and did not pay out what you expected it to pay out?

That can easily happen, leaving you with a hefty co-payment bill to pay out of your own pocket.

How do you insure your medical aid?

In other words, gap cover insures your medical aid, rounding it out so that your total cover takes care of those massive expenses such as long hospital stays, complicated surgery and long-term oncological treatment.

How does gap cover work?

Firstly, you have to belong to a registered medical scheme. Here is a list of medical schemes in South Africa. It doesn’t matter if you have full, comprehensive medical aid or a hospital plan, as long as the medical scheme you are with is “official”.

Secondly, you must be paid up and in good standing with your medical aid.

Thirdly, you must contact a gap cover insurer. A good way is to use the contact form on this page. (The gap cover companies are entirely separate from medical schemes.) Once you have received your personalised quote, sign up for gap cover soonest. It’s cheap and one policy covers all the beneficiaries on your medical aid plan.

Use the convenient online contact form on this page so we can rush you a quote. Act now!

All info was correct at time of publishing