Although you should choose the best gap cover in South Africa, it doesn’t have to become a huge issue in choosing one.
There are many medical gap cover options around. However, determine what you need first of all and what you are willing to pay.
The best gap Cover in South Africa is The one that suits You.
Some people say that when it comes to the handling of claims, Zestlife is considered to be the best.
Here are their current premiums:
Zestlife has just announced their enhanced benefits for their Universal Gap Cover option:
- Overall regulatory maximum for medical expense shortfall cover increased from R150 000 to R160 000.
- Cancer lump sum increased from R25 000 to R30 000.
- Casualty benefit increased from R10 000 to R20 000. Casualty visit must be within 48 hours of the accident.
- Medical Aid and Gap Cover Premium Waiver maximum increased from R6 500 to R7 300.
- Medical Aid and Gap Cover Premium Waiver limited to accidental only, but the payment period increased from 3 to 12 months. This change was due to legal requirements.
- Accidental dentistry maximum increased from R15 750 to R19 250 and amount per tooth increased from R2 250 to R2 750.
- Non-Designated Service Provider co-payment increased from R8 600 to R9 300.
- Oncology co-payment maximum increased from 20% to 25%.
- Cover for robotic procedures up to R30 000.
- Cover for procedures in day clinics.
- New Oncology Benefit to cover 20% of treatment cost when oncology limit is exceeded.
- Varicose veins have been added as an out-of-hospital procedure that is covered.
Liberty outsources gap cover services to them. When you do the research you may find that Zestlife isn’t the cheapest gap cover, but then you get what you pay for, and that’s good services and products.
Clients also agree that Admed is just as good because they always pay out within a week.
Then again, some people have chosen Complimed, saying that they’re always good to deal with. They’ve got gap cover plans for individuals, seniors and groups.
Gap cover ensures you’re not faced with shortfalls due to specialists charging way over what your medical aid is prepared to pay.
The Best gap Cover in South Africa continued
Turnberry offers a great range of products for your gap cover needs. Their products are also available to clients on all medical aid schemes and are transferable if you change medical aids. Turnberry’s premiums are per family which includes children up to the age of 26.
Stratum Gap Cover is also considered excellent because they offer affordable plans.
Stratum benefits are comprehensive, and their Premium Waiver benefit will pay for your premiums for a certain period to your beneficiaries on your death. They also offer good customer services and have a dedicated team who can advise you on any of your queries.
Talksure is another excellent gap cover provider. Their cover works as a supplement to your medical aid and offers cover between 101% and 500% of medical practitioner costs.
Jenus Gap Cover. People under 60 years of age qualify for Jenus Gap Cover. They are a brokerage that specialise in Medical Aid advice and have a contract with 12 major open-market Medical Schemes that offer a broad variety of options to suit every need.
What do You want in Gap cover?
Everybody has their idea as to what the best gap cover in South Africa is. Talksure, Stratum, Ambledown, Zestlife and others – it doesn’t matter. The important thing is that gap cover isn’t just a helpful addition to your medical aid, it is an absolute critical necessity.
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All info was correct at time of publishing