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Protect yourself against medical shortfalls

A medical scheme membership does not mean you will not have extra medical expenses.

In the South African medical landscape, the medical practitioner can charge more for in-hospital procedures than what your medical scheme is willing to pay.

That creates a situation where you as the patient go to hospital for Specialist, Anaesthetist and Radiology services and you are charged up to 500% of medical scheme rate. The difference between the private doctor’s rate and your medical scheme tariff creates an excess amount which you would be charged for in your personal capacity. Read More

*This 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.


Invest in GapCover and prevent any unpleasant out-of-pocket expenses after your hospital procedure. Fill out our online form and one of our consultants will help setup your GapCover policy. 


GapCover® is a short term insurance product for members of a medical scheme, providing extra cover for medical shortfalls that could occur during in-hospital procedures. Find out more...

CoPay Cover:

Another potential out-of-pocket expense for medical scheme members is co-payments for in- and out-of-hospital procedures. Find out more...

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