What Is The Best Gap Cover In South Africa

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 youngerR447
55 to 64R566
65 and olderR650
Families
All under 65R566
One or more over 65R650

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 youngerR234
65 and olderR339
Families
All under 64R339
One or more over 65R386

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 youngerR257
65 and olderR490
Families
All under 64R311
One or more over 65R490

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 olderR650
55 to 64R566
54 or youngerR447
Families
One or more over 65R650
All under 65R566

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.