South Africans have become steadily disconcerted with their Medical Aid Schemes, simply because there seems to be continuously reduced cover and a growing list of exceptions and exclusions! What you need is good gap cover plans in South Africa, to help supplement your medical aid.
How do gap cover plans in South Africa work?
A survey taken by SACSI (South African Customer Satisfaction Index), in June 2016, indicates that failed claims and exclusions were at the centre of most customer complaints. It is for these reasons that Gap Cover has become necessary.
Gap Cover is a short-term Insurance policy taken out to cover the difference between what your Medical Aid Scheme will pay out and what specialist practitioners, or private medical facilities, are billing you.
Why has Gap Cover become necessary?
There is no legislation restricting what Specialist Practitioners and Private health care facilities can charge in South Africa. Tariffs levied by these entities, are often up to five times higher than standard medical aid rates, leaving member exposed to massive shortfalls. The Insurance industry developed Gap Cover so that Medical Aid members could cover this risk, at an affordable cost.
How do I get in touch with Gap Cover Companies?
There are some excellent gap cover plans in South Africa from Gap Cover Service Providers. Each offering unique policies tailored to cater for needs of the market. Our favourite is Zestlife.
Zestlife Gap Cover
They have two schemes available, offering a comprehensive cover on the one hand and a more affordable option on the other. Premiums in 2025 are as follows:
Conclusion
When contemplating the fact that shortfall costs for childbirth are around R19 000.00 and R109 000.00 in heart bypass surgery, it becomes quite evident that insuring this risk with Gap Cover is now an absolute necessity.
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