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Gap Cover

Let us bridge the gap between your health and your wealth.

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Gap cover with Financial Wealth Capital

For all the times that medical aid falls short, gap cover is a short-term insurance product designed to provide extra protection for those who already have medical aid. It is best for covering the deficit between your medical scheme’s tariff (MST) and the actual rates charged by private healthcare professionals. Let us help you find the gap cover that is most convenient for your family’s needs. 


Frequently Asked Questions

Any questions? Get your answers now.

Why do I need Gap cover?

There is often a disparity between what a medical plan covers and the actual cost of an in-hospital procedure or treatment. This is due to service providers’ ability to charge more than the medical scheme rate. Gap Cover will pay the difference between what your medical scheme will pay and the actual cost of your in-hospital doctor’s bills, up to 500% of the medical scheme rates.

How much does Gapcover pay out?

The maximum amount paid for the in-hospital expense deficits is calculated as five times (or 500% of) the medical scheme tariff defined by your medical scheme; less the amount payable or actually paid by your medical scheme or one times the medical scheme tariff, whichever is greater, limited to R183 000 per beneficiary per year.

Are premium increases applicable?

Yes, a premium increase may be applied every year.

Will there be additional costs?

No, your monthly premium includes intermediary and administration costs.

What is the maximum age at which an individual can apply for this Gap cover?

Gap Cover has no age restrictions.