Using Universal Gap cover solutions, your staff and their families will be protected against large hospital bills after a surgical or medical procedure, which are more than their medical cover is prepared to pay.
Universal gap cover safeguards their financial well-being from the consequences of large expenses from hospital stays as a result medical aid shortfalls.
Universal Gap Cover Benefits
Universal gap cover pays for any charges that are in excess of the benefit limits ascribed to their medical aid scheme. The insured has to be hospitalized for the benefits to apply. In addition, several benefits are also included in the gap cover. These comprise:
- The shortfall from a number of out-patient procedures
- The deficit on out-patient kidney dialysis treatment
- The gap from any out-patient radiotherapy or chemotherapy for cancer treatment
Universal Gap Cover – Automatically Included Additional Benefits
Premium Waiver–If the medical aid scheme principal member is unable to work because of the effects of an accident, the Universal Gap Cover will pay their membership fee for up to a year.
Body Repatriation–If an insured member dies following an accident, the gap cover will pay for the repatriation of their body to their listed place of residence within South African borders.
Cataract Benefit – Should an insured medical aid scheme member be diagnosed with cataracts that would require an intra-ocular lens implant surgery procedure, the gap cover will pay out a fixed amount.
Trauma Counselling – If you are involved, directly, in a violent act, Universal gap cover will provide the funding for a number of counselling sessions, depending on some conditions; the violent act has to part of a police report and the violent act has to be one or more of the following: vehicular-based death of another person, attempted rape, robbery and/or assault.
Motor Hijack – Gap cover shall pay out on a claim for a motor-vehicle forceful hijacking.
Internal Prosthesis – Should you require the fitting of a prosthetic device, the gap cover will pay for the shortfall.
Emergency/Casualty Facility Benefit – Should the inured require emergency/casualty bay treatment due to an injury, Universal gap cover will cover the cost.
Universal gap cover also extends to its clients an enhanced facility known as Crisis Assistance. This facility costs extra, and applies to while making use of the body repatriation, hijack or trauma counselling benefits. The facility avails an advice and assistance 24-hour call centre for:
Accident-Only Body repatriation
• Counselling services referral,
• Undertaker referrals,
• Death certificate application assistance,
• Funeral arrangements assistance and,
• Body repatriation arrangements.
Hijack Benefit Extras
• If home invasion, security guard arrangements,
• If keys appropriated, locksmith arrangements,
• If credit card stolen, pre-loaded credit card arrangements,
• If carjacked or car stolen, hire car arrangements
• If mobile phone stolen, pre-paid mobile phone arrangements
Trauma counselling – trained professionals’ referrals and telephone counselling.
Universal Gap Cover are specialists in gap cover provision, and help clients and their families acquire the cover they need to cover medical expense shortfalls, when you or they need it most. Their gap cover solutions provide clients with peace of mind that any potential deficit that may be experienced is taken care of.
Get your gap cover quote now. Complete and submit the form on this page.