Are you a South African citizen who is concerned about gaps in your medical aid coverage? If so, you may be wondering where you can get gap cover for medical aid in South Africa. Gap cover can help bridge the gap between the cost of medical treatment and what your medical aid plan will cover.
In this comprehensive guide, we will cover everything you need to know about gap cover for medical aid in South Africa, including where to find it, what it covers, and how much it costs.
What is gap cover for medical aid?
Gap cover is a type of insurance that helps cover the “gap” between what your medical aid plan covers and the actual cost of medical treatment. When you receive medical treatment, your medical aid plan will cover a certain percentage of the cost. However, there may be a difference between what your medical aid covers and what the medical treatment actually costs.
Get gap cover to cover this difference, ensuring that you are not left with a large medical bill that you cannot afford to pay.
Where can I get gap cover for medical aid in South Africa?
If you are looking to get gap cover for medical aid in South Africa, there are several options available to you. The following are some of the most popular providers of gap cover in South Africa:
These providers offer a range of gap cover options, so it is important to do your research and find the one that best meets your needs.
Complete and submit the form on this page to get a free quote.
Note: for medical aid members only
What does gap cover for medical aid in South Africa cover?
Gap cover can cover a range of medical expenses, including:
- Specialist fees
- Hospital costs
- Co-payments
- Prescribed minimum benefits (PMBs)
PMBs are a set of minimum benefits that are covered by medical aid schemes in South Africa. Gap cover can help cover the cost of PMBs that are not fully covered by your medical aid plan.
It is important to note that gap cover does not cover all medical expenses. For example, it may not cover non-PMBs, such as cosmetic surgery or alternative therapies.
How much does gap cover for medical aid in South Africa cost?
The cost when you get gap cover for medical aid in South Africa can vary depending on a range of factors, including:
- The provider you choose
- The level of cover you require
- Your age and health status
Generally, you can expect to pay between R400 and R1000 per month to get gap cover.
Conclusion
If you are concerned about gaps in your medical aid coverage, then gap cover may be a good option for you. By choosing a reputable gap cover provider and carefully considering the level of cover you need, you can ensure that you are fully covered in the event of a medical emergency.
Remember to compare different providers and policies before making a decision on where to get gap cover, and always read the terms and conditions of your policy carefully. With the right gap cover policy in place, you can have peace of mind knowing that you are protected against unexpected medical expenses.
Where can I get gap cover for medical aid in South Africa? There are several options available to you, including Zestlife – which is the one we recommend.
Complete and submit the form on this page to get a free quote.
Note: for medical aid members only
Do I need gap cover if I have medical aid?
While medical aid can cover a significant portion of your medical expenses, there may be gaps in coverage that could leave you with a large medical bill. Gap cover can help ensure that you are fully covered in the event of a medical emergency.
Is gap cover for medical aid in South Africa worth it?
Whether or not gap cover is worth it will depend on your individual circumstances. If you are concerned about gaps in your medical aid coverage, then gap cover may be a good option for you.
Can I get gap cover if I have a pre-existing condition?
Yes, you can still get gap cover if you have a pre-existing condition. However, you may need to pay a higher premium or have certain exclusions in your policy.
How do I choose the right gap cover provider?
When choosing a gap cover provider, it is important to consider factors such as the level of cover they offer, their reputation, and the cost of their policies. You may also want to consider factors such as:
* The waiting period for your policy to come into effect
* Whether or not your policy includes a co-payment
* Whether or not your policy covers PMBs
* Whether or not your policy has any exclusions
By taking the time to compare different gap cover providers, you can find the one that best meets your needs and budget.
Can I change my gap cover provider?
Yes, you can change your gap cover provider at any time. However, it is important to check if there are any waiting periods or exclusions that apply to your new policy.
How do I make a claim on my gap cover policy?
To make a claim on your gap cover policy, you will need to provide your insurer with the necessary documentation, such as invoices or receipts for medical treatment. Your insurer will then assess your claim and determine whether or not it is covered by your policy.