Are you Covered?
A medical aid membership does not mean you won’t have extra medical expenses.
Gap Cover is the solution when these medical expense shortfalls occur during in-hospital procedures.
Gap Cover is a short term insurance product for members of a medical aid, providing extra cover for medical shortfalls that could occur during in-hospital procedures.
Gap cover is a short-term insurance product designed to provide extra protection for those who already have medical aid.
It covers the deficit between your medical scheme’s tariff (MST) and the actual rates charged by private healthcare professionals.
Premiums are based on the individual’s circumstances and is in line with short-term insurance and long-term insurance pricing principles.
There are certain requirements on application, and waiting periods may apply based on the health plan at the time of activating the cover.





