24 Apr Double the cover, double the confidence: Why GapCover® Combined Cover is the smartest choice
When it comes to your health, peace of mind shouldn’t be a luxury, it should be the standard. But even with a solid medical aid, South African families are often caught off guard by unexpected hospital bills and steep co-payments. That’s where GapCover® Combined Cover steps in, not just as a backup, but as your financial safety net, front and centre.
For one affordable premium, you get two essential types of protection. Think of it as doubling your defences without doubling your cost.
What is GapCover® Combined Cover and why is it different?
GapCover® Combined Cover unites the power of two crucial layers of protection: GapCover® for hospital tariff shortfall protection and CoPay Cover for those frustrating co-payment costs that sneak up when you least expect them.
Together, they bridge the expensive gap between what your medical aid pays and what private healthcare providers actually charge. It’s designed exclusively for those already on a medical aid, offering a powerful complement that protects your wallet as much as your well-being
Why medical scheme members still face out-of-pocket costs
You’ve paid your monthly contributions, so why are you still being billed after a hospital visit? Unfortunately, most medical schemes cover only 100–200% of the standard rate. But specialists and hospitals can charge up to 500% of that amount, leaving you with a medical aid shortfall that can run into the tens of thousands.
Add co-payments into the mix, fees for hospital admissions, MRIs, CT scans, and the result is clear: a medical aid alone is no longer enough. This is where GapCover Combined Cover makes all the difference.
Core in-hospital protection that keeps you covered
Here’s what your Combined Cover plan includes:
- Tariff shortfalls: Up to 500% of the scheme rate, so you’re not caught in the middle.
- Co-payments: Up to R17,000 per event for MRIs, CT scans, and hospital admissions.
- Back & neck procedures: Coverage up to R60,000 per year.
- Dental shortfalls and co-pays: R8,400 annual limit
These aren’t small savings, they’re major stress-busters when medical needs hit.
Out-of-hospital benefits that go the extra mile
It’s not just about the big hospital bills. The little surprises after discharge, or during recovery or outside of in-hospital care can add up. Combined Cover helps with:
- Scopes: Up to 2 gastroscopies or colonoscopies (performed in-rooms) per year.
- Emergency ward visits: Up to R6,500/year for accidental external injuries.
- Post-op physiotherapy: R2,500 limit within 30 days of surgery.
- Preventative screenings: Selected benefits with defined tariff codes.
It’s not “just in case”, it’s care that follows through.
What does gap cover include?
- For individuals: from R318/month
- For families: from R370/month
Now compare that to a single MRI scan with a co-payment of over R4,400, or a tariff shortfall from a specialist procedure like a colonoscopy costing you R13 131.49 out of pocket. With GapCover Combined Cover, you’ll likely save more than you spend, and sleep a lot easier, too.
Who should consider combined cover?
If you’re part of a family, are a proactive professional, or have any planned in-hospital procedures on the horizon, this cover is for you. It’s especially smart for those who’ve experienced the sting of a surprise hospital bill before.
It doesn’t replace your medical aid, it strengthens it. Think of it as the support your medical scheme was always meant to have.
Easy claims, real support, real fast
Nobody wants to wrestle with paperwork while recovering. That’s why GapCover is known for its speedy, member-first service and hassle-free claims process. Because your focus should be on healing, not fighting your finances.
Final word: Two layers of protection, one smart decision
One premium. Two essential protections. Countless reasons to breathe easy.
GapCover Combined Cover is more than a medical aid shortfall solution, it’s a lifestyle upgrade. It turns anxiety into assurance and hidden costs into manageable moments.
Why settle for one layer of protection when you can have two?
Want peace of mind? Speak to a consultant today and secure your hospital shortfall cover to safeguard your finances against unexpected medical expenses!
For more details or to sign up, visit GapCover.co.za.