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Gap Cover Made Simple

Finding the right Gap Cover shouldn't be a hassle. Simplify your search with Insurance Made Simple.

Gap Cover Image

Disclaimer: InsuranceMadeSimple.co.za is not a registered or authorized financial advisor. The content provided on this platform does not constitute financial advice or recommendations. All information and materials featured are intended solely for informational and educational purposes and are not tailored to address your specific personal requirements. The list of insurance providers presented is based on publicly available data, and we do not claim ownership of their content. Please consult with a qualified financial advisor for advice tailored to your individual needs. Terms & Conditions Apply.

Gap Cover

Short-Term Insurance

Gap cover is an insurance product that provides additional coverage to fill the gap between what your primary insurance plan covers and the actual cost of medical services or expenses. This type of insurance is typically purchased to protect against high out-of-pocket costs in the event of a medical emergency or unexpected health care expenses.

Also known as: Supplementary Insurance, Excess Insurance, Top-Up Insurance

Frequently Asked Questions

Gap Cover insurance is a type of insurance that helps cover the difference between what your primary insurance pays and the actual cost of medical treatment or services.

When you have medical expenses that exceed the limits of your primary health insurance, Gap Cover insurance can step in to cover the difference, reducing your out-of-pocket expenses.

Gap Cover insurance can be worth it for individuals who want extra financial protection against high medical bills and want to minimize their out-of-pocket expenses in case of unexpected healthcare costs.

Gap Cover insurance is a type of insurance that helps cover the difference between what your primary insurance plan pays and the actual medical expenses incurred.

Gap Cover insurance can benefit individuals who have a primary insurance plan with coverage limitations or high deductibles, as it provides additional financial protection for unexpected medical expenses.

When you have a medical expense that exceeds the coverage of your primary insurance plan, the Gap Cover insurance will step in to cover the difference, up to the policy limit specified in your Gap Cover insurance contract.

Gap Cover insurance is a type of insurance that helps cover the difference between what your primary insurance pays and what you owe in medical expenses.

Gap Cover can be beneficial even if you have health insurance. It helps protect you from unexpected medical expenses that may not be fully covered by your primary insurance.

When you have a medical expense that exceeds what your primary insurance covers, Gap Cover steps in to bridge the gap and cover the remaining amount, up to the policy limit.

Below is a list of Gap Cover providers.
Please note: The information about each provider is sourced from publicly available data.

Dischem Health Favicon

Dischem Health

Dischem Health Gap Cover

Sometimes, medical aid may not cover the full cost of procedures like childbirth, tonsilitis & more. Get protection from high medical shortfalls with Gap Cover.

Disclaimer: The administrator for Dis-Chem Health is Kaelo Risk (Pty) Ltd, an authorised financial services provider (FSP 36931). Kaelo Risk (Pty) Ltd holds preference shares in Centriq Insurance Company Limited. Dis-Chem Health is not a Medical Scheme or an Insurer​. Insured by Centriq Insurance Company Limited, a licensed non-life insurer and authorised financial services provider (FSP 3417).

Discovery Favicon

Discovery

Discovery Gap Cover

Discovery Gap Cover From as little as R143 a month, you get financial protection from life changing events.

Disclaimer: Discovery Ltd is the licensed controlling company of the designated Discovery Insurance Group. Registration number 1999/007789/06. Companies in the Group are licensed insurers and authorised financial services providers.

Liberty Favicon

Liberty

Liberty Gap Cover

Get comprehensive GAP cover to bridge the cost between medical bills and what your insurance pays.

Disclaimer: Liberty Group Limited is a licensed Life Insurer, an Authorised FSP (no.2409) and is part of the Standard Bank Group.

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Momentum Favicon

Momentum

Momentum Gap Cover

Gap cover pays for the shortfalls your medical aid plan doesn't cover. From only R259 per month, Momentum GapCover pays for in- and out-of-hospital fees.

Disclaimer: Momentum is part of Momentum Metropolitan Life Limited, an authorised financial services and registered credit provider.

Old Mutual Favicon

Old Mutual

Old Mutual Gap Cover

What is Old Mutual Gap Cover? Ever been faced with a medical bill that your medical aid did not fully cover? Old Mutual's Gap Cover is the affordable answer to those unexpected expenses. It pays the gap between what your medical aid covers and what hospitals and specialists charge.

Disclaimer: Old Mutual Limited (OML) is a licensed Controlling Company of the Designated Old Mutual Limited Insurance Group. Registration number 2017/235138/06. Entities in the Group are Licensed Financial Services Providers and Insurers.

Sanlam Favicon

Sanlam

Sanlam Gap Cover

With gap cover, you can ensure that you’re covered when in-hospital expenses exceed base medical aid cost. Sanlam offers medical aid gap cover from R250 p/m.

Disclaimer: Sanlam Limited is the licensed controlling company of the Sanlam Limited Insurance Group. Sanlam Life Insurance Limited is an insurer licensed to conduct life insurance business and is a licensed financial services provider and a registered credit provider.

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Stratum Benefits Favicon

Stratum Benefits

Stratum Benefits Gap Cover

Stratum Benefits provide solutions for the shortfalls experienced on your medical aid + offers a short-term solution called Health Insurance.

Disclaimer: Underwritten by Guardrisk Insurance Company Limited, a licensed non-life insurer and authorised FSP 75. Health Insurance is underwritten by Bryte Insurance Company Limited, a licensed insurer and authorised FSP 17703.

The Unlimited Favicon

The Unlimited

The Unlimited Gap Cover

That extra help you need when your medical aid hasn't covered all your costs

Disclaimer: The Unlimited Group (Pty) Ltd Reg no. 2002/002773/07. An Authorised Financial Services Provider (FSP No. 21473).

GAP Cover Favicon

GAP Cover

GAP Cover Gap Cover

For only R234 for an individual and R267 per family per month. APPLY NOW ...

Disclaimer:

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Absa Favicon

Absa

Absa Gap Cover

Gap Cover is non-life insurance designed to provide extra protection against costly medical expense shortfalls. It covers the gap between the higher of the ...

Disclaimer: Absa Insurance Company Limited, an insurer licensed to conduct a non-life insurance business and an authorised financial services provider FSP (8030). Registration number 1992/001737/06. Terms and Conditions apply.

Total Risk Administrators Favicon

Total Risk Administrators

Total Risk Administrators Gap Cover

Healthcare in South Africa is expensive, and most medical aids only cover part of the healthcare providers' actual rate. Gap Cover offers you extra protection, ...

Disclaimer: Total Risk Administrators Pty (Ltd) is an authorised Financial Services Provider. Reg No 1999/024507/07 (FSP No 40815) Underwritten by: Auto&General Insurance Company Limited, a licensed non-life Insurer & Financial Services Provider Reg No 1973/016880/06 Underwritten by: Guardrisk Life Ltd | A licensed life insurer in terms of the Insurance Act. | Reg No 1999/013922/06 | FSP No 76

Zest Life Favicon

Zest Life

Zest Life Gap Cover

Gap Cover protects you against medical expense shortfalls when doctors charge more than what your medical aid pays. No waiting periods.

Disclaimer: Zestlife is an authorised financial services provider, FSP Number 37485, and part of Guardrisk Group Propriety Limited.

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Ambledown Favicon

Ambledown

Ambledown Gap Cover

Ambledown is one of the leading health insurance product (gap cover plans) providers in South Africa with over 150,000 Gap Cover (or similar) policy holders.

Disclaimer: Ambledown Financial Services (PTY) Ltd | Ambledown is an authorised Financial Services Provider No.10287.

Sanlam Favicon

Sanlam

Sanlam Gap Cover

New regulations for gap cover stipulate that · Policyholders will only be able to claim R185,837 per year, for every insured individual on the policy · Hospital ...

Disclaimer: Sanlam Limited is the licensed controlling company of the Sanlam Limited Insurance Group. Sanlam Life Insurance Limited is an insurer licensed to conduct life insurance business and is a licensed financial services provider and a registered credit provider.