GAP cover is a short-term insurance product in addition to your medical aid scheme that is designed to cover the shortfall of your medical aid cover should you be hospitalised.

Above scheme tariff in hospital (where your doctor charges more than what the scheme will cover).

Co-payments in hospital (where your scheme benefit has a co-payment payable).

Sub-limits – protheses and or MRI/CT/PET Scans (where your scheme benefit has a sub-limit).

Casualty unit benefit (if it is not covered by any scheme benefits).

All subjected to the benefits of the gap product provider.

No 3 month waiting period but specific conditional waiting periods can be applicable for example – pregnancy will have a 10 month waiting period.

GAP cover only covers in hospital claims as per the benefit structure.

All active members and dependents on your current medical scheme except for adult dependents for example – parents.

All medical scheme members are at risk and current trends suggest that the consumers will have to fund the difference in fees.

If you are not hospitalised.

Ward fees, theatre fees, medicines and materials are excluded from gap benefit.