Basic Cover 300

Our entry level product

Standard Benefits

Gap Cover

Casualty Cover

Oncology Gap

plus icon

view product

from R99 p/m
Compare Products up arrow

Vital Cover Plus

Our second entry level product

Standard Benefits

Gap Cover

Casualty Cover

Oncology Gap

Co-Payment Cover

Sub-Limit Cover

plus icon

view product

from R180 p/m
Compare Products up arrow

Super Cover Plus

Our mid-range product

Standard Benefits

Gap Cover

Casualty cover

Oncology Gap

Co-Payment Cover

Sub-Limit Cover

plus icon

view product

from R227 p/m
Compare Products up arrow

Absolute Cover Plus

Our flagship product

Standard Benefits

Gap Cover

Casualty cover

Oncology Gap

Co-Payment Cover

Sub-Limit Cover

Plus

Oncology Extender Benefits

plus icon

view product

from R390 p/m
Compare Products up arrow

Basic Cover 300

Our entry level product

plus icon

view product

from R99 p/m
Close Comparison Table up arrow

Vital Cover Plus

Our 2nd entry level product

plus icon

view product

from R180 p/m
Close Comparison Table up arrow

Super Cover Plus

Our mid-range product

plus icon

view product

from R227 p/m
Close Comparison Table up arrow

Absolute Cover Plus

Our flagship product

plus icon

view product

from R390 p/m
Close Comparison Table up arrow

Gap Cover Annual Limit

R158 000 in aggregate per insured person per annum* (p/a)

Gap Cover Annual Limit

R158 000 in aggregate per insured person per annum* (p/a)

Gap Cover Annual Limit

R158 000 in aggregate per insured person per annum* (p/a)

Gap Cover Annual Limit

R158 000 in aggregate per insured person per annum* (p/a)

Gap Cover Percentage*

300%*

Gap Cover Percentage*

700%*

Gap Cover Percentage*

700%*

Gap Cover Percentage*

700%*

PMB's Please Note:

If you are still on a ‘Non-Plus’ product option which is closed to new business i.e. Super Cover or Absolute Cover (different to Super Cover Plus and Absolute Cover Plus as per the table below), you will not be covered for PMB’s i.e Prescribed Minimum Benefits as explained in the table.
info icon

Covered

PMB's Please Note:

If you are still on a ‘Non-Plus’ product option which is closed to new business i.e. Super Cover or Absolute Cover (different to Super Cover Plus and Absolute Cover Plus as per the table below), you will not be covered for PMB’s i.e Prescribed Minimum Benefits as explained in the table.
info icon

Covered

PMB's Please Note:

If you are still on a ‘Non-Plus’ product option which is closed to new business i.e. Super Cover or Absolute Cover (different to Super Cover Plus and Absolute Cover Plus as per the table below), you will not be covered for PMB’s i.e Prescribed Minimum Benefits as explained in the table.
info icon

Covered

PMB's Please Note:

If you are still on a ‘Non-Plus’ product option which is closed to new business i.e. Super Cover or Absolute Cover (different to Super Cover Plus and Absolute Cover Plus as per the table below), you will not be covered for PMB’s i.e Prescribed Minimum Benefits as explained in the table.
info icon

Covered

Co-payments / deductibles*

DSP's (Voluntary use of designated service provider networks)

None

Co-payments / deductibles*

DSP's (Voluntary use of designated service provider networks)

Up to R10 000 per policy p/a*

Co-payments / deductibles*

DSP's (Voluntary use of designated service provider networks)

Up to R50 000 per policy p/a*

Co-payments / deductibles*

DSP's (Voluntary use of designated service provider networks)

Unlimited*

Co-payments / deductibles*

NON DSP's (Voluntary use of non- designated service provider networks)

None

Co-payments / deductibles*

NON DSP's (Voluntary use of non- designated service provider networks)

None

Co-payments / deductibles*

NON DSP's (Voluntary use of non- designated service provider networks)

None

Co-payments / deductibles*

NON DSP's (Voluntary use of non- designated service provider networks)

2 Co-payments / deductibles per policy per annum to a combined maximum of R14 000*

SUB-LIMITS*: Prostheses

None

SUB-LIMITS*: Prostheses

Up to R5 000 per policy p/a*

SUB-LIMITS*: Prostheses

Up to R10 000 per policy p/a*

SUB-LIMITS*: Prostheses

Unlimited.* Up to R30 000 per event.*

SUB-LIMITS*: MRI / CT / PET Scans

None

SUB-LIMITS*: MRI / CT / PET Scans

None

SUB-LIMITS*: MRI / CT / PET Scans

None

SUB-LIMITS*: MRI / CT / PET Scans

2 MRI, CT or PET scans up to R4 000 per scan*

Casualty benefit*

Up to R2 750 per policy p/a*

Casualty benefit*

Up to R5 000 per policy p/a*

Casualty benefit*

Up to R7 500 per policy p/a*

Casualty benefit*

Up to R15 000 per policy p/a*

Oncology gap benefit*

(Subject to medical aid approved treatment plan being covered up to scheme tariff and within annual scheme oncology limit)

Up to an aggregate of R158 000 per insured person p/a*

Oncology gap benefit*

(Subject to medical aid approved treatment plan being covered up to scheme tariff and within annual scheme oncology limit)

Up to an aggregate of R158 000 per insured person p/a*

Oncology gap benefit*

(Subject to medical aid approved treatment plan being covered up to scheme tariff and within annual scheme oncology limit)

Up to an aggregate of R158 000 per insured person p/a*

Oncology gap benefit*

(Subject to medical aid approved treatment plan being covered up to scheme tariff and within annual scheme oncology limit)

Up to an aggregate of R158 000 per insured person p/a*

Oncology co-payment Benefit*

None

Oncology co-payment Benefit*

Up to R10 000 per policy p/a*

Oncology co-payment Benefit*

Up to R50 000 per policy p/a*

Oncology co-payment Benefit*

Unlimited*

Oncology extender Benefit*

(Includes ANY costs above annual scheme oncology limit but subject to scheme covering up to this limit)

None

Oncology extender Benefit*

(Includes ANY costs above annual scheme oncology limit but subject to scheme covering up to this limit)

None

Oncology extender Benefit*

(Includes ANY costs above annual scheme oncology limit but subject to scheme covering up to this limit)

None

Oncology extender Benefit*

(Includes ANY costs above annual scheme oncology limit but subject to scheme covering up to this limit)

Unlimited*

Accidental death

Insured / Spouse

R3 000

Accidental death

Insured / Spouse

R4 000

Accidental death

Insured / Spouse

R6 000

Accidental death

Insured / Spouse

R8 000

Accidental death

Dependant

R1 500

Accidental death

Dependant

R2 000

Accidental death

Dependant

R3 000

Accidental death

Dependant

R4 000

Policy Extender

(Additional 6 month gap cover premiums covered upon death of policyholder)

Included

Policy Extender

(Additional 6 month gap cover premiums covered upon death of policyholder)

Included

Policy Extender

(Additional 6 month gap cover premiums covered upon death of policyholder)

Included

Policy Extender

(Additional 6 month gap cover premiums covered upon death of policyholder)

Included

TRA ASSIST POWERED BY ER24 ASSIST

(Home Drive, Panic Button, Medical Health Line)

Included

Monthly Premium
Under 65's

N/A

(Age of main insured)
premium per policy p/m

Over 65's

R300

(Age of main insured)
premium per policy p/m

Premium Per Individual

R99

per policy p/m

Premium Per Family

R150

per policy p/m

plus icon

view product

from R99 p/m
Close Comparison Table up arrow

TRA ASSIST POWERED BY ER24 ASSIST

(Home Drive, Panic Button, Medical Health Line)

Included

Monthly Premium
Under 65's

R180

(Age of main insured)
premium per policy p/m

Over 65's

R270

(Age of main insured)
premium per policy p/m

Premium Per Individual

N/A

per policy p/m

Premium Per Family

N/A

per policy p/m

plus icon

view product

R180 p/m
Close Comparison Table up arrow

TRA ASSIST POWERED BY ER24 ASSIST

(Home Drive, Panic Button, Medical Health Line)

Included

Monthly Premium
Under 65's

R227

(Age of main insured)
premium per policy p/m

Over 65's

R340

(Age of main insured)
premium per policy p/m

Premium Per Individual

N/A

per policy p/m

Premium Per Family

N/A

per policy p/m

plus icon

view product

from R227 p/m
Close Comparison Table up arrow

TRA ASSIST POWERED BY ER24 ASSIST

(Home Drive, Panic Button, Medical Health Line)

Included

Monthly Premium
Under 65's

R390

(Age of main insured)
premium per policy p/m

Over 65's

R470

(Age of main insured)
premium per policy p/m

Premium Per Individual

N/A

per policy p/m

Premium Per Family

N/A

per policy p/m

plus icon

view product

from R390 p/m
Close Comparison Table up arrow

A full list of terms and conditions can be viewed here.

DON'T STRESS! THE INSURANCE GAP IS COVERED.

DON'T STRESS!
THE INSURANCE GAP IS COVERED.

Don’t add financial worry to the stress of being hospitalised.

Never make the mistake of assuming that your medical aid will always cover 100% of your in-hospital expenses. Gap Cover can assist with the additional expenses.

*subject to the aggregate gap cover annual limit of r158 000 per insured person per annum.
Refer to policy document for full details of limitations and exclusions.

Terms and conditions apply. This matrix does not constitute advice. Consult your intermediary for guidance in choosing the product that is right for your needs. Prescribed Minimum Benefits (PMB’s) are covered.

All of our Gap Cover policies:

  • Provide benefits for members and their dependants (spouse and/or child/children) who are covered on one policy of a registered medical aid scheme. Members and their dependants can only be on two different medical aids and one Gap Cover Policy if they are legally married, or common law partners verified by submission of an affidavit confirming 12 months of cohabitation.
  • Have no entry age limit.
  • Allow immediate benefits for all policyholders except for a limited list of specific conditions and/or procedures. (There is no general 3 month waiting period!)
  • May provide immediate cover for many procedures including: All emergency procedures, sterilisations, vasectomies, tonsillectomies, appendectomies, gall bladder removal or procedures and conditions not specifically excluded where a medical aid has failed to meet its full obligation.
  • Cover Prescribed Minimum Benefits (PMBs) where a medical aid has failed to meet its obligations in this regard (for non-emergencies only).
  • Are not medical aid schemes. The cover is not the same as that of a medical aid scheme. The cover is not a substitute for a medical scheme membership.
  • Are subject to the aggregate gap cover annual limit of R158 000 per insured person per annum. (This limit may change due to regulatory amendment).
  • All of our 2019 product options offer the following TRA ASSIST (powered by ER24 ASSIST) benefits: – Home Drive / Panic Button / Medical Health Line.