There are many companies that offer gap cover, so which are the top gap cover companies in South Africa? Here is a look at four of the best options.
Ambledown
Ambledown offers 13 options for gap cover. Each option will cover costs at a different level.
Gap cover with Ambledown can be purchased from Constantia (global credit rating of A-) or Hollard Insurance (global credit rating of AA).
Sirago – Top Gap Cover Companies in South Africa
Sirago offers four options for gap cover. The plans offer in-hospital, out-of-hospital, and prescribed minimum benefits (PMB). The highest products have added benefits such as penalty, admission, and cancer cover.
A three month waiting period is applicable. Not all pre-existing conditions will have coverage in the first year.
Genric Insurance (global credit rating A-) is underwritten by Sirago.
Stratum Benefits
Stratum Benefits have received awards and have four options for gap cover. Products provide gap cover in-hospital and cover for trauma help, emergencies, road accidents and cancer diagnosis. Top plans also provide benefits for accidental death and co-payments.
Stratum Benefits does not impose any limit on maximum age; also, there is no limit on claims.
A waiting period of three months is applicable and the waiting period is six months for pre-existing conditions. A waiting period of 10 months applies to specified procedures.
Constantia Insurance (global credit rating A-) underwrites for Stratum Benefits.
ZestLife – Top Gap Cover Companies in South Africa
ZestLife provides two gap cover options.
Here is the 2025 tariff chart from Zestlife:
All products provide cover in and out of the hospital for more than 50 procedures.
ZestLife has standard exclusions. Claims related to births have a waiting period of 10 months. During the first six to 12 months certain procedures will have partial coverage.
Guardrisk (global credit rating AA-) underwrites ZestLife.
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