20 Feb Elite Cover Explained: Why It’s Worth the Upgrade
Even the most comprehensive medical aid plans can leave you with some unexpected medical expenses. GapCover comes in to save the day by bridging the difference between the tariff your medical scheme pays and the actual costs private healthcare providers charge for in-hospital treatment. For those wanting the best cover, GapCover Elite is revolutionary. With its extensive benefits and exclusive cashback bonus, this premium option offers unparalleled value for individuals and families alike. Let’s explore why GapCover Elite is worth the upgrade.
What is GapCover Elite?
GapCover Elite is a short-term insurance solution intended for members of medical schemes who want extra financial protection. It addresses medical shortfalls, specifically for in-hospital procedures, offering peace of mind when you need it most. Starting from just R220 for individuals and R338 for families per month, it stands out as a premium option with a unique pricing structure and exclusive benefits.
One of its most attractive features is its cashback bonus, setting it apart from other GapCover products. GapCover Elite provides financial relief delivering value both in terms of cover and cost savings.
Core Benefits of GapCover Elite
1. Tariff Shortfalls (In-hospital Benefits)
Unexpected shortfalls can arise during in-hospital procedures when healthcare providers charge above the rates covered by your medical scheme. GapCover Elite ensures you’re protected by covering up to 500% of the scheme tariff.
This includes:
- Procedures such as gastroscopies and colonoscopies performed in a GP or specialist’s rooms.
- Limit: Two scopes per beneficiary annually.
2. Co-payments and Deductibles
Medical scheme rules often impose co-payments for certain procedures or treatments. GapCover Elite alleviates this burden by covering:
- Procedural co-payments and hospital admission fees
- Specialised radiology (MRI and CT scans), capped at R17,500 per event.
- Co-payments for non-DSP (Designated Service Provider) hospital use, up to R17,000 annually per policy.
3. Dental Shortfalls
Dental procedures can be surprisingly costly. GapCover Elite provides:
- Cover for dental procedure shortfalls, up to R8,400 per policy per annum.
- Procedural co-payment cover within the same limit.
Additional Benefits Exclusive to GapCover Elite
Non-DSP Specialist Tariff Shortfalls
GapCover Elite covers tariff shortfalls for planned PMB (Prescribed Minimum Benefit) admissions, even when using a non-DSP specialist.
2. Oncology Cover
Cancer treatment can be a significant financial strain. GapCover Elite offers an oncology benefit, providing extra support for specialised care.
3. Sub-Limit Cover
Internal prosthesis and specialised radiology often come with sub-limits that your medical scheme may not fully cover. GapCover Elite steps in to manage these costs.
Hospital Cashback Benefit
GapCover Elite doesn’t just provide cover—it gives back.
- From day 3 to day 5, you receive R300 per day.
- From day 6 to day 10, this increases to R400 per day.
- From day 11 to day 20, you’re paid R500 per day.
With an overall maximum benefit of R25,000 per annum, this cashback can make a significant difference during extended hospital stays.
Why Choose GapCover Elite?
- Unmatched Cover
From tariff shortfalls and co-payments to specialised radiology and prosthesis sub-limits, GapCover Elite helps you to manage your healthcare costs. - Financial Relief with Cashback Bonus
The cashback bonus is a rare feature in medical shortfall cover, offering direct financial support during hospitalisation. - Peace of Mind for Families
Starting at just R338 per month, families gain access to extensive benefits that protect against unexpected expenses, making GapCover Elite an investment in health and security.
Is GapCover Elite Right for You?
GapCover Elite is ideal for individuals and families seeking premium protection against medical shortfalls. Whether you’re managing chronic conditions, planning elective procedures, or looking for added peace of mind, this option ensures you’re covered beyond the basics.
With extensive cover, unique benefits, and a cashback bonus, GapCover Elite redefines value in the medical shortfall insurance. Sign up or upgrade today and experience healthcare without financial stress.
For more details or to sign up, visit GapCover.co.za.