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Pre-Existing Conditions explained to a patient by a doctor

Gap Cover and Pre-Existing Conditions: Will You Be Covered?

Pre-existing conditions are the single most common reason people put off applying for gap cover. They are worried that a previous surgery, a chronic illness, a back problem or a cancer diagnosis from years ago will either disqualify them, or that they will end up paying premiums for a policy that quietly excludes the very thing they want covered. The rules in South Africa are clearer than most people expect,

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doctor explains to patient about the tariff percentages

What Does 200%, 500% or 700% Gap Cover Actually Mean? Tariff Percentages Explained

If you have shopped around for gap cover in South Africa, you have probably seen plans advertised at 200%, 500% or 700%. The numbers look arbitrary, and most brochures do not bother to explain them. They matter, though. The percentage on your gap cover policy is what decides whether your bill from the anaesthetist/other specialists, for in-hospital procedures, will be settled in full or leave you owing thousands. This article

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Person completing gap cover short term insurance form

Gap Cover: The Short-Term Insurance That You Absolutely Need Over and Above Your Medical Aid

As Josh Billings once said, “Health is like money. We never have a true idea of its value until we lose it.” For South Africans navigating rising medical costs, gap cover short-term insurance is an important consideration for anyone who values their health and financial security. What is Gap Cover? Gap cover is a type of short-term insurance that provides cover for the shortfall between what your medical aid scheme

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FREQUENTLY ASKED QUESTIONS

How Does Gap Cover Work?

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. 

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27 May 2026TRA News

Gap Cover and Pre-Existing Conditions: Will You Be Covered?

Pre-existing conditions are the single most common reason people put off applying for gap cover. They are worried that a

13 May 2026Gap Cover, TRA News

What Does 200%, 500% or 700% Gap Cover Actually Mean? Tariff Percentages Explained

If you have shopped around for gap cover in South Africa, you have probably seen plans advertised at 200%, 500%

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20 April 2026News, TRA News

Gap Cover: The Short-Term Insurance That You Absolutely Need Over and Above Your Medical Aid

As Josh Billings once said, "Health is like money. We never have a true idea of its value until we

Read More
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