The importance of gap cover and why you must have it

The reason why you must have gap cover is that medical treatment is getting more and more expensive.

You need to supplement your medical aid cover now. You can’t get caught short in an emergency because the costs exceed the standard medical aid rates.

Imagine having to settle for less than the best in medical care because you cannot afford it. And, despite the cover offered by your medical aid, you might need to do exactly that.

You must have gap Cover – It’s no longer optional

Must have gap coverMedical aid firms have redefined their benefits and capped the amounts that they will pay for procedures. You will find that you are required to go to network hospitals or pay the difference.

What if this is something you can’t afford?

The times of gap cover being a “nice-to-have” are over. You simply can’t take the chance that the doctor will charge the same rate as the medical aid rate.

And we are not talking small amounts here either. Private hospital care in South Africa is the most expensive in the world. Statistics show that only 17% of the population can afford it.

If you don’t think you must have gap cover what are your alternatives?

Network hospitals are not all bad, but they are playing a numbers game. They might also not have access to the newest or most up to date equipment.

And, let’s be honest, you don’t want to end up in a government hospital.

Gap cover allows you to get the best possible medical cover. Depending on the plan you choose, you can claim as much as 500% of the standard medical aid rates. And that is going to be more than enough.

Some gap cover companies you can look at

That is going to depend on your preference, but we’ll discuss a few below.


Plans range from around R274 monthly for the most basic cover. You can get enhanced cover for R521 a month. The basic cover extends to in-hospital costs for:

  • Doctors
  • Treatments and co-payments

You receive a cash amount if you become disabled or diagnosed with cancer.  Your family receives a cash amount if you die accidentally.


There are two basic plans from Stratum. Both options include an unlimited cover.

The basic cover extends to in-hospital costs for:

  • Doctors
  • Treatments
  • Co-payments
  • Included in the comprehensive cover are MRI and CT scans


The cover here costs a little less and is limited to 500% of the standard medical aid rates. The cover extends to in-hospital fees and treatments and some out-patient treatments.

These are just three of the top providers of gap cover in South Africa. Many other companies also offer superb products.

There is no excuse for not having gap cover anymore.

Get a FREE gap cover quote here, fill in the form and submit it

All info was correct at time of publishing