FROM R192 PER INDIVIDUAL AND R295 PER FAMILY, PER MONTH

GET A QUOTE

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Combined Cover

Why should you choose

GapCover®Elite

GapCover®Elite is a short-term insurance product which covers the difference (or gap) between your medical scheme tariff and the tariff charged by the private doctor or specialist for in-hospital procedures.

Shortfalls are covered on gastroscopies & colonoscopies performed in the GP or specialist’s rooms up to 500% of scheme tariff limited to 2 scopes/beneficiary/annum.

New / Additional Benefits to the GapCover®Elite option include:

  • Non-DSP Specialist tariff shortfalls for planned PMB admissions
  • Hospital Cash Back Benefit from day 3
  • Oncology benefit
  • Sub-limit benefit – internal prosthesis and specialised radiology
  • Cash Back Benefit

Individual

WHY SHOULD YOU CHOOSE

GAPCOVER®ELITE

Individuals younger than 30 years
R192
Individuals between 30 to 59 years
R288
Individuals older than 60 years
R479

Family

WHY SHOULD YOU CHOOSE

GAPCOVER®ELITE

Families younger than 30 years
R295
Families between 30 to 59 years
R442
Families older than 60 years
R737

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

ELITE 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.

Additional Benefits

The lump sum benefits in this section are payable where an insured party is admitted to hospital, and such an insured event occurred as a direct result of either accidental harm or premature birth, as defined in the policy. Covered under this benefit per annum: from day 3 to day 5 R300 per day, day 6 to day 10 R400 per day & day 11 to day 20 R500 per day subject to an overall maximum benefit of R25,000 per annum.
Subject to the overall maximum Compensation limit and the treatment of a Covered Event; equal to the Co-Payment applied (subject to a maximum of 20%) once related costs have exceeded, limited to R50,000 per policy, per annum
This benefit provides for a once-off 10% cash back bonus of all premiums paid over the first 5 years of cover on GapCover Elite, on condition that there were no claims submitted or interruption of cover.
Non-DSP Specialist Tariff Shortfalls for planned Prescribed Minimum benefits (PMB) admissions subject to a Max R13,500 per policy, per year.
Where the charges relating to the service supplied has exceeded a relevant Benefit sub-limit of the member’s Medical Scheme Benefit option, The maximum compensation is limited to R40,000 per policy, per annum. a) internal prosthesis limited to 1 (one) claim per policy, per annum, up to a maximum of R30,000 per Covered Event; and b) specialised radiology limited to 2 (two) scans per policy, per annum, up to a maximum of R5,000 per Covered Event.
Dental Reconstruction limit of 1 claim per policy per annum, due to Accidental Harm or Oncology Treatment limited to R6,600 per policy, per annum.

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.