Gap Cover Claims

For prompt processing of your Gap Cover claim please follow steps below.

Step 1 – Identify your type of claim

There are many different benefits that you can claim for under your Gap Cover policy. Please click here to determine which claim type you have and which supporting documents we require you to submit.

Step 2 – Complete the claim form
  • Please click here to download an editable version of the claim form.
  • All claimants must complete Sections 1, 2 and 3 of the claim form.
  • In Section 4, please indicate your claim/s type (refer to Step 1 if you are unsure).
  • Complete Section/s A, B, C, D, E or F in accordance with your claim/s type.
  • Make sure you have signed the declaration in Section 1.
Step 3 – Obtain the supporting documents required

Click here to identify the supporting documents that you have to submit for your type of claim.  The required documents are also listed on the claim form that you have completed.

Step 4 – Submit your claim
  • Before sending us your completed claim form, please check that all the required fields of your claim form have been completed.
  • Check that you have all the supporting documents for your claim.
  • Submit your claim form and the supporting documents by emailing them to info@zestlife.co.za

Please note that Gap claims must be submitted within 6 months from the procedure or treatment date. Zestlife can’t start with the assessment of your claim until we have received a fully completed claim form and all the relevant supporting documentation.  We will communicate with you via SMS, email and telephonically during the claim’s process.

Download Gap Cover Claim form

Assetlife Claims

Please click and download the claim form relevant to your Assetlife claim.

Complete the claim form and submit it together with the supporting documents to info@zestlife.co.za or contact us at 021 180 4220 if you have any questions.

Dental Cover Claims

Please download the below claim form, complete and submit it together with the supporting documents to info@zestlife.co.za or contact us at 021 180 4220 if you have any questions.

Medical Premium Waiver Claims

Please click and download the claim form relevant to your Medical Premium Waiver claim.

Complete the claim form and submit it together with the supporting documents to info@zestlife.co.za or contact us at 021 180 4220 if you have any questions.

Road Accident Cover Claims

Please download the below claim form, complete and submit it together with the supporting documents to info@zestlife.co.za or contact us at 021 180 4220 if you have any questions.

Cancer Cover Claims

Please download the below claim form, complete and submit it together with the supporting documents to info@zestlife.co.za or contact us at 021 180 4220 if you have any questions.

Unclaimed Benefits

What is an unclaimed benefit?

An unclaimed benefit refer to any monies due to a person that remains unpaid or unclaimed and the payment cannot be made to the person as such person is not known or contactable.  It is a claim it is known to Zestlife, which has been lodged, assessed, proven valid and approved.

Is it important to keep your beneficiary details up-to-date?

Yes it is very important. When a claim needs to be paid, the first thing we will do is contact you, your beneficiaries or your dependents. To make sure that we are able to do this, you need to  inform us of any changes to your own and to your beneficiaries or dependents’ contact details as this will reduce the risk of policy benefit been unclaimed.

You can contact Zestlife on:

Telephone:      021 180 4220

Sharecall:        0860 009 378

Email:              info@zestlife.co.za

Fax:                 021 180 4375

What happens if we are unable to reach you, your beneficiaries or your dependents?

We will follow the following in our attempt to process and pay a claim:

  • If we are not successful in our attempts to contact you or your beneficiaries as per the details on record which you have provided us, we will try to obtain most recent contact details from external information providers such as the Department of Home Affairs or a credit bureau.
  • If we are still unable to reach you or your beneficiaries, we may appoint an external tracing company to trace you and/or your beneficiaries. Should this be needed, tracing fees may apply and may be deducted from the benefit payout.
  • If the benefit is still unclaimed after 2 years of the claim conditions being met, and we are still unable to reach you or your beneficiaries, we will transfer the unclaimed benefit into the Guardrisk Unclaimed Benefit Fund. Any unclaimed benefit will be managed and invested as the Guardrisk deems appropriate. Should a beneficiary subsequently come forward or be located, the Insurer will utilise these funds to pay the benefit due.