WHAT is GapCover?
GapCover is short-term insurance that provides you and your family with cover for any shortfalls between in-hospital expenses and what your medical aid pays out.
WHY get GapCover?
In-hospital care is expensive! Your medical aid is unlikely to pay for everything. GapCover protects you from having to pay for payment shortfalls out of your own pocket.
WHEN to get GapCover?
Anyone that is a member of any registered South African medical aid should be taking out GapCover for financial protection from in-hospital medical shortfalls.
How does it work?
It’s easy to sign up for GapCover. As long as you are a member of a registered South African Medical Aid, you can sign up. Follow these three easy steps:
1. Decide on the cover you want
2. Decide who will be covered
3. Get a quote
4. Enjoy the peace of mind knowing you are covered
There are four cover options to choose from:
GapCoverThis is our most cost-effective cover and a great place to start if you want to keep your monthly cost low but still benefit from in-hospital payment-shortfall cover. GapCover pays the difference between what your specialists charge and what your medical aid pays out for in-hospital procedures. Find out more about this cover here
Combined CoverThis is the convenience of both GapCover and CoPay Cover packaged into one policy at a preferred rate. CoPay cover provides cover for procedural co-payments charged by your medical scheme for in-patient or out-patient procedures. Find out more about this cover here
GapCover EliteThis new GapCover option is one-of-a-kind with more benefits than ever before. It includes an additional specialised radiology benefit, an oncology benefit, an accidental dental benefit and a non-DSP specialist tariff shortfall benefit. Find out more about this cover here
GapCover PrimaryPrimary Plan offers you affordable cover against medical expense shortfalls that occur as the private tariff charged by medical practitioners are often higher than what the medical scheme pays out. Accessing Primary Plan is easy and hassle-free. Find out more about this cover here
Yourself
Individual cover is ideal for those that are starting out or anyone that is single and on their own medical aid. You also enjoy a lower monthly premium.
Individual cover is available across all three options.
Your family
Family cover is available for you, your spouse and up to four children all under the same policy (as long as you are all members of the same medical aid).
Family cover is available across all three options.
Your employees
Group Cover is available to employers and is a great added benefit to your employee health and wellness programme.
Group Cover is available across all three options.
