Gap Cover for Medshield
Medical Scheme Members

Reliable
Gap Cover

Gap Cover is an insurance policy that covers the gap between what your medical aid pays and what service providers charge for in-hospital expenses. Healthcare in South Africa is expensive, and most medical aids only cover part of the healthcare providers’ actual rate.

Gap Cover offers you extra protection, covering the shortfall of your medical aid.
However, Gap Cover is not a medical aid and does not replace your medical aid.
Waiting periods may apply.

Cover up to 700%

Fast Claim
Payouts

Easy Claims
Process

Excellent
Service

Out-of-hospital
Benefits

Affordable Prices
From R99 p/m

Automatic Claim
Submission

*SUBJECT TO AN AGGREGATE ANNUAL LIMIT OF R210 580 PER INSURED PERSON
This limit may be subject to regulatory amendment. Sub-Limits may apply. Refer to the Policy Document for full details of limitations and exclusions.
Terms and Conditions apply. This product comparison does not constitute advice. Consult your intermediary for guidance in choosing the product that is right for your needs. Prescribed Minimum Benefits (PMB’s) are covered. Errors and Omissions Excepted. A full list of 2024 terms and conditions can be viewed here. 

• Have no general waiting period for many specific procedures. These may include all emergency procedures, tonsillectomies, appendectomies, gall bladder removal, and others not explicitly excluded.
• Provide immediate gap cover benefits for all policyholders except for a limited list of specific conditions and procedures.
• May provide immediate gap cover for many procedures, including where a medical aid has failed to meet its full obligation.

• Offer the following TRA ASSIST benefits: home drive, panic button, and medical and trauma counselling line.
• Are the only way to protect yourself from medical shortfalls.
• Include certain pre-defined out-of-hospital shortfall procedures! See here for more information. T’s & C’s apply.

Gap Cover is an affordable health insurance policy that gives you and your family peace of mind when you need it most.

Gap Cover is becoming a necessity in South Africa as doctors and medical aids continue to increase their rates exponentially each year.

Gap Cover is not a medical aid plan but has helped hundreds of South Africans avoid financial debt. You can visit our Hellopeter page to find out how our policyholders feel about our service and Gap Cover products.