Get a trusted Gap Cover quote or apply online.
Zestlife Gap Cover is your medical shortfall safety net. Even with an excellent medical aid, you are likely to find yourself having to fill the gap.
Protect yourself against medical expense shortfalls when doctors and specialists charge more than what your medical aid pays.
Why choose
Zestlife Gap Cover
Zestlife offers you 3 options
Zestlife offers you 3 options
Universal Gap Cover is our flagship option and offers the most comprehensive medical shortfall cover. It can be selected as individual or family cover.
Medical shortfall benefits include:*
- Up to 500% (5 times) medical aid tariff cover
- Cover for in-hospital doctor and specialist shortfalls
- Over 50 out-patient shortfalls covered, including CT, PET and MRI scans
- Pre- and post-surgery specialist consultation cover
- General and non-network co-payment cover
- MRI, PET and CT scans in excess of medical aid sub-limit
- Casualty Facility treatment for injury in an accident
- Casualty Facility after-hours emergency treatment for children younger than 11
- Internal prosthesis and artificial joints cover
- Cover for robotic medical procedures
- High levels of oncology treatment cover
- Cover for cosmetic breast reconstruction due to a mastectomy
Additional health insurance include:*
- First-time cancer diagnosis benefit
- Accidental dentistry cover
- Accidental death and permanent disability cover
- Cover for trauma counselling
- Medical aid and gap cover – premium waiver cover
* Please view the brochure for a full explanation of the policy benefits, terms and conditions.
| ZESTLIFE UNIVERSAL GAP COVER | |
|---|---|
| COVER FOR INDIVIDUALS | |
| Younger than 55 years old | R506 pm |
| 55-64 Years old | R646 pm |
| 65 Years and older | R770 pm |
| COVER FOR FAMILIES | |
| Where all lives insured are younger than 65 | R646 pm |
| Where one or more lives insured are older than 65 | R770 pm |
* Premiums for 2024. Premiums will be revised annually and be effective from 1 January each year.
Please note: Gap Cover is not a medical aid or a substitute for medical aid membership and the cover is not the same as a medical aid.
Essential Gap Cover will protect you from the most frequent shortfalls. It can be selected as individual or family cover.
Medical shortfall benefits include: *
- Up to 300% (3 times) medical aid tariff cover
- Cover for in-hospital doctor and specialist shortfalls
- Over 50 out-patient shortfalls covered, including CT, PET and MRI scans
- Co-payment cover
- Casualty Facility treatment for injury in an accident
- Casualty Facility after-hours emergency treatment for children younger than 11
- Cover for robotic medical procedures
Additional health insurance include: *
- Accidental dentistry cover
- Accidental death and permanent disability cover
- Cover for trauma counselling
- Medical aid and gap cover – premium waiver cover
* Please view the brochure for a full explanation of the policy benefits, terms and conditions.
| ZESTLIFE ESSENTIAL GAP COVER | |
|---|---|
| COVER FOR INDIVIDUALS | |
| Younger than 55 years old | R372 pm |
| 55-64 Years old | R468 pm |
| 65 Years and older | R548 pm |
| COVER FOR FAMILIES | |
| Where all lives insured are younger than 65 | R468 pm |
| Where one or more lives insured are older than 65 | R548 pm |
* Premiums for 2024. Premiums will be revised annually and be effective from 1 January each year.
Please note: Gap Cover is not a medical aid or a substitute for medical aid membership and the cover is not the same as a medical aid.
Optimal Gap Cover offers high levels of medical shortfall cover and affordability to match the needs of single individuals younger than 35.
Medical shortfall benefits include: *
- Up to 400% (4 times) medical aid tariff cover
- Cover for in-hospital doctor and specialist shortfalls
- Over 50 out-patient shortfalls covered, including CT, PET and MRI scans
- General and non-network co-payment cover
- MRI, PET and CT scans in excess of medical aid sub-limit
- Casualty Facility treatment for injury in an accident
- Internal prosthesis and artificial joints cover
- Cover for robotic medical procedures
Additional health insurance include: *
- Accidental dentistry cover
- Accidental death and permanent disability cover
- Cover for trauma counselling
- Medical aid and gap cover – premium waiver cover
* Please view the brochure for a full explanation of the policy benefits, terms and conditions.
| ZESTLIFE OPTIMAL GAP COVER | |
|---|---|
| COVER FOR INDIVIDUALS | |
| Younger than 35 years old | R239 pm |
* Premiums for 2024. Premiums will be revised annually and be effective from 1 January each year.
Please note: Gap Cover is not a medical aid or a substitute for medical aid membership and the cover is not the same as a medical aid.
Download brochure for more information.