Which are the Top Gap Cover Companies in South Africa?

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 offers 13 options for gap cover. Each option will cover costs at a different level.

You will pay premiums monthly per family and range between R150 and R350. The premium per month and option were chosen dictates the available benefits. Benefits made available will be 300% or 500% of the specified scheme rate.

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

Top Gap Cover Companies In South AfricaSirago 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.

Premiums per month for family options cost R105 to R175. Individuals can also qualify at special rates. Sirago will pay 300% or 500% of the covered scheme rate.

Age limits depend on the option chosen. The Basic Gap Cover has an entry age limit of 40 years, whereas the Gap Cover has a limit of 65 years. Options that are more expensive have no age limit.

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.

Family premiums range between R180 and R320 per month. All options enjoy benefits at a scheme rate of 500%.

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 various gap cover options. There is no limit on claims for any of the products.

Families pay between R219 and R281 per month. The benefits pay up to 500% of the rate assigned by the medical scheme.

All products provide cover in and out of the hospital for more than 50 procedures. Additionally, co-payments, standard and non-DSP, are covered by ZestLife.

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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All info was correct at time of publishing