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Why should you get
GAPCOVER
GapCover® is a short-term insurance product that offers you affordable cover for your whole family against medical expense shortfalls occurred for in-hospital procedures. Specialist doctors can charge up to 500% more than what your medical scheme covers you for. You wouldn’t want to pay this shortfall out of your own pocket. In some instances, this shortfall can be R50,000 and more. GapCover® may pay up to R211 573 per beneficiary per annum towards these shortfalls*.
WHY WOULDN’T YOU GET IT?
Accessing GapCover® is easy and hassle-free. You pay one price per family, including you and six family members.
In addition, GapCover® policy holders receive dedicated support and quality service from a skilled team who ensures that your claim is quickly finalised. You can also get benefit confirmation prior to a planned procedure, giving you peace of mind so that you can focus on your recovery and not an unpaid doctors bill.
GapCover® from
R288 per family, per month
THERE IS AN EVEN BETTER OPTION FOR YOU!
We offer a preferred rate for combined benefits (GapCover® with CoPay). You can take out Combined Cover from the start or upgrade your existing stand-alone GapCover® policy to Combined Cover at any time.
HOW DOES THE CLAIMS PROCESS WORK?
All GapCover® claims are paid out directly to the member. You can find out more about our easy claims process by clicking the button below, or getting in touch with us through the contact page.
GAP COVER CORE BENEFITS
IN-HOSPITAL BENEFITS
This benefit provides you with cover for the difference in the amount charged by a Registered Medical Professional and the Medical Scheme Rate for services rendered while admitted in hospital.
This benefit provides you with cover for shortfalls on all dental procedures paid from risk limited to R8 945 per policy, per annum.
OUT-OF-HOSPITAL BENEFITS
This benefit provides you with cover for shortfalls on Gastroscopies and Colonoscopies performed in the GP or Specialist’s rooms, limited to 2 scopes per beneficiary, per annum.
This benefit provides you with cover for the shortfalls on cost incurred for the treatment of an injury caused by an external force at an emergency ward limited to 2 events to a maximum benefit of R6 925 per policy, per annum provided that payment was made by the Medical Scheme.
This benefit provides you with cover for out of hospital physiotherapy limited to R2 665 per policy, per annum for postoperative joint replacement/back surgery rehabilitation provided that payment was made by the Medical Scheme for services rendered within 30 days after discharge.
GapCover® Elite is underwritten by Western National Insurance Company Ltd, Reg. No: 2005/017349/06,
FAIS: Juristic Representative under (FSP 9465).
Administered by, GapRisk Administrators (Pty) Ltd Reg. No.2021/500446/07, an authorized financial services provider (FSP: 51758).