Gap cover
Covers the shortfall your medical scheme does not pay in hospital.
You need an active medical scheme membership to take out gap cover.
Waiting periods and annual limits apply. The policy wording governs.
Personal protection advice
Cover that holds up when you actually need it.
Gap cover, travel, pet, medical aid and wills — advised by a person you can phone, not a quote engine. Tell us your situation and we'll tell you plainly what you need and what you don't.
- Authorised FSP — FSP 17591 [CONFIRM]
- 5 branches across South Africa
- Part of the APBCO group
- Named adviser, not a call centre
Advice costs you nothing.
We're paid commission by the provider at rates set in regulation, and we disclose it before you sign.
Five things we advise on
Each one has its own adviser, its own paperwork and its own pitfalls. Start where your question is.
Travel insurance
Medical, cancellation and baggage cover for trips abroad and at home.
Cover must be taken out before you depart.
Pre-existing conditions and high-risk activities may be excluded. The policy wording governs.
Pet insurance
Helps pay vet bills for accidents, illness and routine care.
Age limits apply at sign-up and vary by plan.
Waiting periods and pre-existing condition exclusions apply. The policy wording governs.
Medical aid
Independent advice on which scheme and plan actually suits you.
Open to individuals, families and employer groups.
Scheme rules, waiting periods and late-joiner penalties apply.
Wills and estates
A valid will drafted properly, and help when an estate is wound up.
Anyone over 16 may make a will.
Executor fees and estate costs are set by law and explained before you sign.
Not sure where you fit?
Describe the situation in your own words. We'll point you at the right cover — or tell you that you don't need any.
How it works
Three steps, and you can stop at any of them.
1. Tell us what you need
A short form or a phone call. No ID numbers, no medical questionnaires on the website.
2. An adviser calls you
We call you back within one working day. You get a name and a direct line, not a ticket number.
3. You decide, in writing
Options, costs and the commission we earn, set out before you sign anything.
Why go through an adviser at all?
Because the cheapest policy and the right policy are rarely the same one, and you only find out which you bought at claim stage.
How we workWe read the exclusions
Waiting periods, sub-limits and pre-existing condition clauses, translated into plain language before you sign.
We stay on at claim stage
The same adviser helps you submit and follow up, instead of handing you a call-centre number.
We compare across providers
You see more than one option, with the differences that matter to your situation marked.
We disclose what we earn
Commission rates are set in regulation. We tell you the amount before you commit.
What clients say
[CONFIRM] — replace with verified client reviews and their source before publishing.
[CONFIRM] client review text — a short, specific account of what the adviser did and what the outcome was.
[CONFIRM] name, [CONFIRM] branch
[CONFIRM] client review text — a short, specific account of what the adviser did and what the outcome was.
[CONFIRM] name, [CONFIRM] branch
[CONFIRM] client review text — a short, specific account of what the adviser did and what the outcome was.
[CONFIRM] name, [CONFIRM] branch
Worth reading first
Short, honest explainers on the questions people phone us about most.
Do I qualify for gap cover?
The one requirement that decides it, and what waiting periods mean for you.
4 min read
Is a free will really free?
What a no-fee will usually costs your estate later, and what to ask before signing.
5 min read
Schengen travel insurance requirements
The minimum medical cover a Schengen visa needs and the wording consulates look for.
4 min read
Not sure which cover you need?
Tell us your situation in under a minute. A named adviser calls you back, compares your options in writing, and you decide.
We call you back within one working day. We only use your details to contact you about your enquiry.