What Is a Sub-Limit and How Does Gap Cover Protect You From It?
A sub-limit is a cap your medical aid places on a specific procedure or item, separate from your overall annual limit, and it is one
16 July 2026
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A sub-limit is a cap your medical aid places on a specific procedure or item, separate from your overall annual limit, and it is one
Gap cover pays for some out-of-hospital procedures, but only a narrow, defined set, mostly scans and scope co-payments (and these must still be paid from
Gap cover insurance is essential for covering shortfalls after medical treatments like surgeries or hospital stays where the specialist’s fees are higher than what your medical aid covers. Once your medical aid has processed and paid their portion of the bill, you can claim the remaining amount from your gap cover provider, according to the terms of your policy.
A gynaecologist consultation in South Africa runs around R700 at published private practice rates, a self-pay Pap smear around R280,
TRA's Female Cancer Cover runs across three plan levels. Grand pays R50 000 on confirmed diagnosis, Supreme pays R100 000,
Health and Financial Well-Being with TRA's Female Cancer Cover The cost of cancer treatment in South Africa reaches into the
