We know that you deserve the best healthcare cover you can afford. We offer you solutions for medical scheme and medical expense shortfall cover in South Africa.

  • Medical Aid and Gap Cover :  Are you prepared for your unforseen medical expenses?
  • Medical Aid – Doctors and hospitals                                        
  • Hospital Plan – in hospital treatment only
  • Gap cover – top-up cover
  • Hospital Insurance cover – cheap rates- affordable
  • Most major medical aid companies :

Having a  broker does not increase your premium……We will guide and assist you best we can

Contact us now to appoint us brokers of your existing medical cover at no extra cost! And get free advice.


The Council for Medical Schemes recommends an annual medical aid rate – this is the base rate that can be charged by all medical practitioners for medical procedures. Most medical aids agree to pay up to a certain percentage of this rate – in most cases up to 300% of this rate. However, medical practitioners are free to charge whatever they want for their services, and should your provider charge more, it will be your responsibility to cover the shortfall.

For example: Let’s say your medical aid covers up to 300% of the medical aid rate. If a medical practitioner charges 500% of medical aid rates, your medical aid will cover the first 300% and you will have to pay the additional 200%. Medical practitioners may also request certain tests and procedures which would also require co-payments from your pocket.

Medical procedures are expensive, and this can mean an instant bill of tens of thousands of Rands, if not more. Gap Cover is important, additional insurance you buy in conjunction with your medical aid to cover this shortfall.

Gap Cover is not a medical scheme and the cover is not the same as that of a medical scheme. This policy is not a substitute for medical scheme membership.

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