Service
Gap cover
Specialists often charge several times the medical scheme rate. Gap cover pays that difference so you are not billed after a hospital stay.
What it does
Covers the shortfall your medical scheme does not pay in hospital.
Specialists often charge several times the medical scheme rate. Gap cover pays that difference so you are not billed after a hospital stay.
Who it's for
You need an active medical scheme membership to take out gap cover.
Waiting periods and annual limits apply. The policy wording governs.
Go deeper
How gap cover works
What a shortfall is, who bills you, and how a claim is paid.
[CONFIRM] detailed product content to follow.
Gap cover plans compared
How plans differ on limits, waiting periods and add-ons.
[CONFIRM] detailed product content to follow.
Common questions
- Do I need a medical scheme to take out gap cover?
- Yes. Gap cover pays the shortfall between what your medical scheme pays and what a specialist charges, so it only works alongside an active medical scheme membership.
- How long are the waiting periods on gap cover?
- Waiting periods differ by insurer and typically apply to general claims and to conditions you already have. Your adviser confirms the exact periods in writing before you sign. [CONFIRM] specific periods per product.
Related reading
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