31 Jan Peace of Mind for Less: How GapCover Saves You Money on Medical Expenses

Peace of mind can sometimes feel like a dream when it comes to unexpected healthcare costs. Medical shortfalls are the unpredicted gaps between what a doctor charges and what your medical scheme pays. These bills can be staggering. However, you can have GapCover, an affordable and hassle-free way to protect yourself and your family from these unforeseen expenses.

Whether you’re expecting a planned procedure or preparing for unexpected medical expenses, GapCover will keep you comfortably secure.

What is GapCover?

GapCover is a short-term insurance product providing cover for any shortfalls between what your medical scheme covers for a hospital procedure and what private specialists will charge you for that procedure. Some of the specialists charge fees as much as the 500% of your scheme’s tariff, which can result in more than R50,000 payable for the procedure alone—an expense that most people cannot afford to pay. GapCover can protect you from this.

For as little as R267 per family, per month, GapCover provides cover for you and up to six family members, protecting you from these daunting shortfalls. The policy covers up to R198,660 per beneficiary annually.

Why You Need GapCover

Without GapCover, you could be left footing the bill for significant medical expenses, which can quickly derail even the most well-planned budgets. Here’s why this product is essential:

1. Cover: GapCover handles the shortfall between what your medical aid pays and what specialists charge for in-hospital procedures. This includes expensive treatments like oncology, internal prostheses, and specialised radiology.
2. Affordable Premiums: From just R267 per month, the cost of protecting your family is minimal compared to the potential financial burden of medical shortfalls.
3. Ease of Access: Signing up is simple and hassle-free. With one price covering the entire family, there are no additional costs for up to six dependents.

GapCover Options

GapCover offers tailored plans to suit your needs:

GapCover Elite

This premium plan provides cover for up to 500% of the medical scheme tariff. Benefits include:

• Shortfalls on non-designated service provider (DSP) specialists for planned procedures that fall under your medical aid’s prescribed minimum benefits (PMBs).
• A Hospital Cash Back Benefit from the third day of hospitalisation.
• Additional oncology and internal prosthesis benefits.

GapCover Primary

Designed for first-time clients or those looking for affordable cover, GapCover Primary provides streamlined benefits, covering shortfalls up to 300% of the scheme tariff. This option is perfect for families wanting budget-friendly protection without sacrificing quality service.

Combined Cover

For maximum peace of mind, consider our Combined Cover, which includes both GapCover and CoPay Cover from R370 per family per month. CoPay Cover protects against co-payments for in-patient or out-patient procedures, including costly MRIs and CT scans.

Dedicated Support for Claims and Pre-Procedure Confirmation

GapCover® doesn’t just provide financial security; it provides a stress-free experience from start to finish. Policyholders receive:

• Dedicated claims support: Claims are processed efficiently, with payouts made directly to you.
• Benefit confirmation: Before a planned procedure, you can confirm your benefits, giving you confidence to proceed without worrying about unexpected bills.

Save Now, Worry Less Later

GapCover represents very small monthly costs relative to the enormous financial benefits it offers. GapCover protects you from the risk of depleting your savings or borrowing to pay your medical bills. A single family fee pays for the health and financial well-being of loved ones. Get peace of mind today.

For more information or to sign up, visit GapCover’s website