What is Gap Cover?
Gap cover is a type of short-term insurance created to offer additional financial security to people who already have medical aid.
What Is The Best Gap Cover In South Africa
Best comprehensive gap cover
Zestlife Universal Gap Cover provides comprehensive medical shortfall benefits at an affordable price. Claims are paid up to an overall annual limit of R182,700 per insured.
Individuals | |
54 or younger | R447 |
55 to 64 | R566 |
65 and older | R650 |
Families | |
All under 65 | R566 |
One or more over 65 | R650 |
Best gap cover for the younger generation
Sirago Gap-Lite Cover is designed for young individuals and families. Medical aid shortfalls are covered at up to 250% of the scheme rate, based on an overall annual limit of R183,000 per person.
Individuals | |
64 and younger | R234 |
65 and older | R339 |
Families | |
All under 64 | R339 |
One or more over 65 | R386 |
Best value for money gap cover
Stratum Compact 300 is a comparatively low-cost option suitable for individuals and families. It covers common healthcare events, up to an overall annual limit of R177,838 per person.
Individuals | |
64 and younger | R257 |
65 and older | R490 |
Families | |
All under 64 | R311 |
One or more over 65 | R490 |
Best Gap Cover for Seniors
Liberty Universal Gap offers extensive shortfall benefits for treatment and procedures conducted in and out of the hospital. Claims are covered at 500% of the medical scheme rate, up to an annual overall limit of R182,700 per person.
Individuals | |
65 and older | R650 |
55 to 64 | R566 |
54 or younger | R447 |
Families | |
One or more over 65 | R650 |
All under 65 | R566 |
What is the best level of gap cover insurance in South Africa?
Zestlife Universal Gap Cover provides comprehensive medical shortfall benefits at an affordable price. Claims are paid up to an overall annual limit of R182,700 per insured.
GP and specialist consultations, in and out of hospital, are covered at up to 500% of the medical scheme tariff.