Zestlife – Gap Cover You Can Rely On

December 9, 2021

Zestlife Gap Cover Information

Gap cover is a much-needed supplement to your medical aid because it pays for those shortfalls incurred for in-hospital bills. That is why you should consider Zestlife gap cover.

These shortfalls come about because your medical scheme won’t pay for those high costs that the specialists charge. They’re unregulated these experts, and they don’t allow any price regulations to dictate to them. So where your medical aid won’t meet these high costs, you’ve got to.


That is why South Africans do research on gap cover. They want help with paying these bills and gap cover does just that.

zestlife medical gap cover

Zestlife – one of SA’s Top 10 Gap Cover Providers

Zestlife is a gap cover provider that is in high demand in South Africa. They provide life and health insurance cover to South Africans. Also, their insurance policies are reinsured by Swiss Re and Gen Re, two of the biggest insurance companies in the world. It gives you peace of mind knowing that your gap cover is in the hands of professionals.


The only way for medical scheme members to prevent themselves from having to pay huge medical bills that the medical aid will only part-pay is to invest in gap cover – and preferably from an accredited provider such as Zestlife.

Here are Zestlife Universal Gap Cover’s2019 enhanced benefits:

  • Overall regulatory maximum for medical expense shortfall cover increased from R150 000 to R160 000.
  • Cancer lump sum increased from R25 000 to R30 000.
  • Casualty benefit increased from R10 000 to R20 000. Casualty visit must be within 48 hours of the accident.
  • Medical Aid and Gap Cover Premium Waiver maximum increased from R6 500 toR7 300.
  • Medical Aid and Gap Cover Premium Waiver limited to accidental only, but the payment period increased from 3 to 12 months. This change was due to legal requirements.
  • Accidental dentistry maximum increased from R15 750 to R19 250 and amount per tooth increased from R2 250 to R2 750.
  • Non-Designated Service Provider co-payment increased from R8 600 to R9 300.
  • Oncology co-payment maximum increased from 20% to 25%.
  • Cover for robotic procedures up to R30 000.
  • Cover for procedures in day clinics.
  • New Oncology Benefit to cover 20% of treatment cost when oncology limit is exceeded.
  • Varicose veins have been added as an out-of-hospital procedure that is covered.


Zestlife gives medical aid members the choice of two gap cover options  – Universal Gap Cover Policy or the Essential Gap Cover Policy. However, you must belong to a registered medical scheme to be able to buy either one of these two gap cover options.

Zestlife’s 2024 Premiums

Zestlife Gap Cover 2024


People think that gap cover is essentially for in-hospital procedures. However, sometimes you get gap cover which takes care of out-of-hospital procedures.  They limit medical procedures performed on an out-patient basis to certain procedures such as among others, grommets, cataracts, prostate biopsy, a surgical biopsy of a breast lump, an MRI and even childbirth in a non-hospital setting.


It is the very real pressures of receiving such high hospital bills that are making many South African look at gap cover in an entirely new light. In response to pressures like this, Zestlife has been hard at work to offer solutions.

Zestlife provides gap cover for all medical schemes. Check out their waiting periods and their exclusions to ensure you understand what you’re signing. Also, nearly all gap cover comes with these waiting periods and exclusions.

Zestlife gap cover offers you a practical solution to having your high in-hospital bills taken care of – they’ll pay them for you.


For a FREE gap cover quote simply enter your details into the form provided and click the GET A QUOTE button!

All info was correct at time of publishing