AUH Gap Cover Options from African Unity Health
AUH gap cover is designed to help you pay for those huge medical bills that come your way. These bills are because your medical aid won’t pay the full amount.
Your medical aid doesn’t mind collecting a huge premium from you each month and for this they pay for less and less.
If they believe that a specialist has charged too much, they only pay out what the standard medical aid tariff is. If your surgeon charges you R80 000 for a procedure and the medical aid will only pay R50 000, then you have to fork up the leftover amount of R30 000. Do you have this kind of money available? Most people don’t.
That is why gap cover, as a short-term insurance product, is of critical importance to you – it pays for those dreadful shortfalls.
AUH Gap Cover – be informed of your options
If you have any doubt about gap cover, you can always take a look at Cover The Gap. They are experts in the financial services industry and their goal is to inform medical aid members about different gap cover products.
You can find useful information on some of South Africa’s top medical gap cover providers. They mention African Unity Health and we look at some of what you can expect from this gap cover provider.
Anyone who is a member of a registered medical scheme can have gap cover. If you aren’t on a medical aid, you can’t buy gap cover.
African Unity Health provides a wide range of innovative and value-added financial products and services, and we take a look at their gap cover –
◾ You require being a member of a registered medical scheme
◾ Cover is for you as the main member, your spouse and your children
◾ The maximum age of date at joining is 70
◾ Those over 71 can opt for the AUH Gap Seniors Range
◾ African Unity Health offers core benefits, some of which are –
- Tariff shortfalls
- Accidental Emergency Casualty cover
- Different co-payments – Standard co-payments, oncology co-payment as well as Non-DSP co-payments – when the medical scheme charges a co-payment for using a non-designated service provider.
- Step down facility benefit
- Sub-limit cover – Oncology sub-limit cover and Sub-limitation cover that covers shortfalls on surgical procedures.
◾ Additional Benefits
- Accidental death and disability benefit
- Medical scheme premium waiver
- Gap cover premium waiver
◾ There are policy exclusions to be aware of as well as certain waiting periods
◾ Listed Procedure Enhancer
This is a benefit equal to the cost of a stint in hospital as well as all the associated medical expenses related to certain procedures minus cover you get from the medical scheme.
◾ Oncology Supplementary cover
This policy covers the shortfalls on Chemo- or Radiotherapy, specialist consultations, drugs, radiology and pathology once you have reached your scheme’s oncology benefit limit.
Gap cover – avoids horrendous medical debt
AUH gap cover is all-important for South Africans who have medical aid cover and who believe the medical scheme covers everything. Gap cover is a short-term insurance product which you can’t be without if you don’t want your medical debt to get on top of you.
Use the form on this page to request a personal gap cover quote