Gap Cover

  • Up to 500% of Medical Aid Tariff
  • Co-Payment Cover
  • For All Family Members
  • Quick and Convenient Online Application


All medical aid members face the problem that surgeons, anaesthetists and other specialists frequently charge more than the amount covered by their medical aid. When this occurs, you as the medical aid member becomes liable to pay for the shortfall.

The solution is for medical aid members to insure themselves against medical expense shortfalls through either of Zestlife’s top-of-the-range Gap Cover options.

Zestlife Universal Gap Cover offers the most comprehensive medical expense shortfall cover along with extensive financial protection against a wide range of health risks.

Zestlife Essential Gap Cover offers affordable cover for the most frequent medical expense shortfalls, along with additional financial protection for selected health risks.

Both of these options are available to main members and dependants of all South African registered medical aids. There is no maximum entry age and cover continues without a maximum expiry age.

Please note that Gap Cover is not a medical aid or a substitute for medical aid cover. Gap Cover is top-up health insurance that provides cover for medical expense shortfalls that arise when medical aids only cover treatment and/or procedure costs in part.


The advantages of Zestlife Gap Cover

  • No blanket waiting period at the commencement of cover.
  • High levels of cover when receiving treatment in a non-network hospital.
  • Co-payment cover for co-payments charged by medical aids for hospital submissions and scans.
  • Cover while traveling outside of South Africa.
  • Automatic adult dependent cover.
  • High levels of emergency room cover for accidental injury.
  • Low exclusions.
  • Fast and efficient claim settlement.

To assist you in choosing the Gap Cover option that best suits your needs please study the Zestlife Gap Cover Brochure for a full explanation of all policy benefits and conditions.


In addition to the cover described you also have the option to boost your cancer cover. This extended cover option address the most substantial funding shortfall risk that all medical aid members face. We therefore encourage you to study the extended cancer cover benefit and consider protecting your dependents and yourself from this risk. Please refer to our brochure for full details.

How much does it cost?

*Prices valid for 2020. Premiums to increase 1 Jan 2021.

Frequently Asked Questions

The policy is underwritten by Guardrisk Insurance Company Ltd. FSP 75.

Only for claims incurred while you are hospitalised and for certain procedures performed on an out-patient basis at a doctor’s surgery like a gastroscopy, colonoscopy, removal of cataracts and certain biopsies, MRI scans, CT scans and PET scans.

No, day-to-day services such as doctor’s visits, specialists visits, spectacles etc are not covered.

Surgical or medical procedures performed on an out-patient basis are limited to thesurgical or medical procedures listed in the policy document. Below are some examples (See the brochure for a full list of procedures covered):

  • Surgical Biopsy of Breast Lump
  • Gastroscopy
  • Cystoscopy
  • Prostate biopsy
  • Cataract removal
  • Tonsillectomy
  • Myringotomy
  • Grommets
  • Arthroscopy
  • Carpal Tunnel Release
  • Ganglion surgery
  • Childbirth in a non-hospital setting
  • MRI – Magnetic Resonance Imaging
  • PET – Positron Emission Tomography
  • CT Scan – Computer Axial Tomography

No, this policy can be used on any South African registered medical aid.

The list of exclusions include the standard insurance exclusions, such as sickness or injury, that are caused from nuclear weapons or material, injury from an accident while over the legal alcohol limit, active participation in war, police duty, civil commotion. There are also a number of specific exclusions such as cosmetic surgery and treatment for obesity and any event not covered by your medical aid. It is however worth studying the full list of exclusions which appears in the policy document.

There is no 3-month general waiting period.
No general or condition specific waiting periods apply. However no benefits can be claimed for a period of 12 months from the start date of cover in respect of medical conditions, for which in the 12 months before the start date of the cover, medical advice, diagnosis, care or treatment was received or would reasonably have been recommended.

Pregnancy before the start date of cover will be regarded as a pre-existing condition and any pregnancy or birth related claims will be excluded for 12 months from the start date of the cover.

If prior to the start date of Zestlife Gap Cover a policyholder had cover under another Medical Expense Shortfall Policy, then the pre-existing condition waiting period will only be applied to the unexpired part of the pre-existing condition waiting period from the previous policy. The pre-existing condition waiting period will however apply for the full period of 12 months for any benefit not provided under previous Medical Expense Shortfall Policy.

There are no medicals required when applying for this policy and cover is immediately available.

Yes. The premium amount will be reviewed on 1 January each year and you will be notified of any premium increase on 1 (one) months notice.

There is absolutely no additional policy fee; the costs incurred for administration are covered in your premium.

The first premium will be debited on a day of your choice.

Your policy documents will be sent to you within 1 week of taking out this cover.

There is no specific age limit that gives rise to this policy terminating however if the policyholder allows the policy to lapse or when the policyholder cancels the policy, it will terminate. Please be aware however that cover for certain benefits cease at age 65.

Within 6 months of a hospital admission giving rise to a claim you need to submit a claim. This can be done by contacting the Zestlife administrator who will advise you of the documents that will have to be completed in submitting a claim.

Benefits will either be paid to you (in which case you are responsible for settling the accounts with the medical practitioner or service provider) or directly to the medical practitioner or service provider, at the discretion of the insurer.

You may also be interested in:

Medical Premium Waver – Ensuring you and your family uninterrupted and ongoing medical scheme cover in the event of death or disability.