Gap Cover, Your Medical Expense Safety Net

04 March 2024

You’ve probably heard about the important role Gap Cover plays in private healthcare funding, but you may have also asked yourself the question, “Do I really need this?”.

Without Gap Cover, you might face costly medical expense shortfalls. It is a fact that doctors and specialists frequently charge more than what medical aids pay. Even with an excellent medical aid, you are likely to find yourself having to fill the gap. This could potentially amount to thousands of rands.

The numbers speak for themselves.

Here are the five largest Zestlife Gap Cover claims paid in 2023, illustrating the extent to which medical expense shortfalls arise.

*Source: Zestlife claims statistics 2023. The medical aid comparison in the graph is in respect of medical providers on which a medical expense shortfall was paid.

Please note that Gap Cover does not replace your medical aid; instead, it complements your existing medical aid. It ensures coverage for unexpected medical expense shortfalls for you and your family.

Zestlife Gap Cover provides the solution.

Zestlife Gap Cover costs only a fraction of your medical aid premiums. We provide cover for you and all your medical aid dependents. Automatic coverage extends to adult dependents, with no minimum entry age or maximum expiry age requirements.

There are 3 different Gap Cover options that allows you to choose the plan that best suits your needs and budget.

It offers high levels of cover for in-hospital and over 50 out-of-hospital procedures. The insurance plan includes coverage for co-payments on hospital submissions and scans. There are many other policy benefits such as oncology cover for cancer treatment and casualty facility cover for those unexpected trips to the emergency room. As well as internal prosthesis cover and accidental dentistry, to name a few. Please view the full brochure for all the policy benefits, terms and conditions.

Choose a trusted and experienced provider.

It is important to choose a trusted Gap Cover provider that will be there for you when you need it most.

Zestlife was one of the first insurers to offer Gap Cover to the South African market. We have over 15 years of experience in Gap Cover product development, policy administration and claims management. We are also one of the few Gap Cover providers in South Africa that have no general waiting period at the start date of cover.

If you would like to find out more regarding Zestlife Gap Cover or apply online, please click here.

* T&Cs apply. The information contained in this communication, including attachments, is not to be construed as advice in terms of the Financial Advisory and Intermediary Services Act of 2002 (“FAIS”) as the writer is neither an appointed representative of Zestlife, nor a licensed financial services provider as contemplated in FAIS. Please consult your Financial Adviser or Zestlife should you require advice of a financial nature and/or intermediary services.