Medical Aid & Gap Cover

Medical aid covers a lot — but not everything. Gap cover helps with specialist shortfalls and selected co-payments.

Choosing a medical aid plan

• Networks & hospitals
• Hospital vs day-to-day benefits
• Chronic cover

Gap cover explained

• Specialist charges over scheme rates (multipliers)
• Co-payments and deductibles
• Oncology sub-limits

Important notes

• Waiting periods & pre-existing condition limits
• Product rules vary by provider — we compare options

FAQs

Do I need gap on a comprehensive plan? It can still help with charges above scheme tariffs.