Medical aid schemes often leave a gap (known as medical shortfalls) between what the medical aid pays and the actual cost of the treatments. This gap can arise from in-hospital procedures, which are capped at a medical aid tariff (the amount the medical aid covers) or co-payments imposed by your medical aid. Gap cover is a health insurance product designed to bridge this gap, ensuring you, or your family, are

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If you ask several people if they know what gap cover is, many might have a general idea, but often, there is a misconception surrounding how it works. One common misconception is that you’re 100% covered for all in-hospital costs if you have a medical aid. Unfortunately, this is not the case. Medical aid schemes have tariff rates, which means they cap certain procedures at a specific amount they will