by | Jul 1, 2024

It’s a non-life insurance policy designed to cover the shortfalls when your healthcare and service providers, such as your doctor and specialist, charge more than your medical aid plan’s rate for in- and out-of-hospital medical procedures.

Gap Cover options complement all registered South African medical aid plans regulated by the Council for Medical Schemes.

What’s on offer

The cover is for just about every medical eventuality.

From benefits that provide up to an additional 300%, 400% or 500% on top of your medical aid plan’s rate to cover the most often experienced shortfalls, to benefits that refund co-payments, cover shortfalls on cancer treatment, internal prosthetic devices, scopes, scans, casualty events and more.

Whether you’re a single individual who needs basic cover or a growing family needing more comprehensive cover, we’ve got the perfect fit in our offering.

Some reasons to consider Gap Cover:

  • All are welcome! No maximum entry ages
  • One Gap Cover policy covers you and your spouse, even if you belong to different medical aid plans, including your dependents registered on either medical aid plan.
  • Children may remain on your Gap Cover policy, regardless of age, if registered on your or your spouse’s medical aid plan. Rule of thumb… own medical aid membership, own Gap Cover policy.
  • In- and out-of-hospital medical procedure shortfalls are covered. Out-of-hospital procedures aren’t subject to a defined list.

In conclusion, your medical aid provider may have their own gap cover. At RWM we are primarily utilizing the products offered by Stratum and ZestLife to offer comprehensive gap cover. Please request further information from your RWM Private Wealth Manager.