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More and more medical scheme members realise the value of investing in additional health cover products to insure themselves against out-of-pocket medical expenses. GapCover® clients are covered against medical shortfalls that could occur when doctors charge more than what the medical scheme tariff is during in-hospital procedures.

When talking to your colleagues or friends who had in- hospital treatment recently, you might hear that having medical scheme cover does not mean you are not going to have extra medical expenses to pay out of your own pocket...

You've heard about gap cover, but you also need to know about co-pay cover and the importance of such a policy is when it comes to your health cover needs.

Your medical scheme can impose an excess amount which they specify for in- and out-of-hospital procedures.