Get Combined Cover from R299 per family, per month

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Combined Cover

Why should you choose

COMBINED COVER

GapCover® is a short-term insurance product that offers you affordable cover for your whole family against medical expense shortfalls occurred for in-hospital procedures.

CoPay Cover provides cover for procedural co-payments charged by your medical scheme for in-patient or out-patient procedures. This includes specialised radiology such as MRI and CT scans.

Why should you choose Combined Cover
Combined Cover includes both

GapCover® and CoPay Cover
from R299 per family, per month

MAKE SURE YOU’RE COVERED FOR SHORTFALLS!

GapCover® is a short-term insurance product that offers you affordable cover for your whole family against medical expense shortfalls occurred for in-hospital procedures.

What is GapCover?

HOW DOES THE CLAIMS PROCESS WORK?

All GapCover® claims are paid out directly to the member. You can find out more about our easy claims process by clicking the button below, or getting in touch with us through the contact page.

How to Claim

COMBINED COVER CORE BENEFITS

IN-HOSPITAL BENEFITS

Benefits in this section will provide cover for the difference in the amount charged by a Registered Medical Professional and the Medical Scheme Rate for services rendered while admitted in hospital.
Benefits in this section will provide cover for procedural co-payments (the excess imposed in terms of your Medical Scheme Rules) for procedures performed as an In-Patient, hospital admission fees, as well as Specialised Radiology such as MRI and CT Scans limited to R16 500 per event.
Co-payments for the use of a non-DSP (Designated Service Provider) Hospital limited to R16 500 once per calendar year, per policy.
Benefit provides cover for shortfalls on all dental procedures paid from risk limited to R7 900 per policy, per annum.
Benefit provides cover for procedural co-payments on all dental procedures limited to R7 900 per policy, per annum.

OUT-OF-HOSPITAL BENEFITS

Benefit provides cover for shortfalls on Gastroscopies and Colonoscopies performed in the GP or Specialist’s rooms, limited to 2 scopes per beneficiary, per annum.
Benefits in this section will provide cover for procedural co-payments (the excess imposed in terms of your Medical Scheme Rules) for procedures performed as an Out-Patient (Gastroscopies and Colonoscopies performed in the GP or Specialist’s rooms limited to 2 scopes per beneficiary, per annum) as well as Specialised Radiology such as MRI and CT Scans limited to R16 500 per event.
Benefit provides cover for the shortfalls on cost incurred for the treatment of an injury caused by an external force at an emergency ward limited to 2 events to a maximum benefit of R5 950 per policy, per annum provided that payment was made by the Medical Scheme.
Benefit provides cover for out of hospital physiotherapy limited to R1 800 per policy, per annum for postoperative joint replacement/back surgery rehabilitation provided that payment was made by the Medical Scheme for services rendered within 30 days after discharge.

GapCover® Elite is underwritten by Western National Insurance Company Ltd, Reg. No: 2005/017349/06,

FAIS: Juristic Representative under (FSP 9465).

Administered by, GapRisk Administrators (Pty) Ltd Reg. No.2021/500446/07, an authorized financial services provider (FSP: 51758).

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Protection of Personal Information Act (POPIA) Declaration By providing the information in this form you agree that our fulfillment partner may contact you to provide you with the necessary advice. Your personal information will be stored in a secure encrypted manner and will not be sold or disseminated to any third party without your explicit consent.