Medical GAP Cover in South Africa
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Medical GAP Cover in South Africa
| It’s not a medical aid, but gap cover gained popularity as more people recognise how vital it is. Read on to find out why … |
| Gap cover has gained popularity as more people recognise how vital it is. It is insurance for the shortfall between what the medical aid pays for and what the health care professional charges. Important to note is that this type of insurance is not a medical aid, but that it covers you for certain medical procedures or services that medical aid either does not cover at all or does not cover fully. It also covers unexpected hospital expenses, specialist fees and any additional extra healthcare services like scans and counselling allowing one to stay stress-free in the face of trauma which often is not anticipated. Below is an essential, ‘topten’ list of the current best GAP cover insurers in South Africa. Zestlife – With premiums between R207 and R493 monthly, this cover insures for: short falls on services in hospital; gaps in specialist tariffs; any co-payments the medical aid dictates for hospital procedures; a single cancer benefit; and, cover for death or injury resulting from an accident to the amount of R25 000. Top-up is available for benefits in dental and oncological treatment. Stratum – Premiums are between R99 and R168 monthly. All the Stratum plans give GAP cover up to an unlimited amount as well as cover for shortfalls for doctor and specialist rates. Co-payment cover is also included in all plan types while MRI, CT scans and a wider range on in-hospital treatments are included in the higher premium plan types. Turnberry – Premiums range between R79 and R124 monthly. This gap cover insures up to five times the medical aid rate cover for in-hospital claims. They have a standard elect-a-care plan which covers the basis in and out of hospital specialist procedures, while the elect-a-care-plus plan goes further to also cover co-payments and deductibles. Essential – This cover has plans starting at R140 for Elite and R160 for Prestige per month premium. Elite plans insure up to five times scheme rates with a cap of R250 000 per year. It, however, has no co-paymentnor sub-limit cover. Prestige plans insure up to six times the scheme rate with no cap per annum. Ambledown – This cover is limited to five times the tariff set by one’s medical aid. The cap is R2 000 000 annually per family. The Ambledown gap covers in-hospital procedures and oncology therapy treatment for out-patients in the form of radio or chemo. There is also insurance for out-patient kidney dialysis. Complimed – Is an affordable standard option, cover premiums range between R61and R121 monthly. Xelus – has the Fusion cover that is offered as a corporate package. It covers various medical cost shortfalls. Sirago – This cover has no entry age cap and no annual limit. Premiums start at R115 for a family. Jenius – The Jenius cover is simplistic and basic, insuring most hospital stay shortfalls. Talksure – Talksure cover is basic and affordable. Premiums start at R104 per month and cover can go up to as much as 500%, depending on options taken While All4Women endeavours to ensure health articles are based on scientific research, health articles should not be considered as a replacement for professional medical advice. Should you have concerns related to this content, it is advised that you discuss them with your personal healthcare provider. |
| Credit To: All4Women. (2016, December 05). Medical GAP cover in South Africa. All4Women Retrieved from: http://www.all4women.co.za/943599/health/health-articles/medical-gap-cover-south-africa |
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