Sign Up to Sell Gap


7 Reasons to GAP it with Zestlife

  1. Simple product, cover is immediate – low hassle factor
  2. Form of annuity streaming for your business
    • Earn 20% ongoing each month (accredited)
    • Sign up as a representative (non-accredited)
    • Simply refer clients to earn a fee – our trained agents close for you
  3. Excellent administration – straight into workflow and quick claims payout
  4. Product attaches to any medical aid
  5. Great advantages for groups
  6. Best of breed product
    • Approved by the constitutional court
    • Bulk of the South African current gap market chooses this product
  7. Huge market potential of 3 million clients – only 180 000 GAP policies to-date in South Africa
  8. Distinguishing features of Zestlife Medical Gap Cover

    • This is the only Medical Gap product that has been constitutionally approved
    • Zestlife will pay the difference between what the medical practitioner charges and and the amount payable by the medical scheme – up to a maximum of four times the Admed tariff. The product can be attached to ANY medical aid scheme – closed or open
    • Co-payment cover of R10 000 per family per annum for hospital co-payments
    • Cancer benefit amount of R10 000 payable on diagnosis of cancer
    • Excellent administration – policy document is with a client in 48 hours and current average claims payout period is 15 days
    • No ‘pre-existing conditions’ exclusion
    • 3 month general waiting period – and a further waiting period on 10 specific, elective, procedures
    • All adult dependents are covered
    • No maximum entry age
    • Dentistry and an extensive list of out-of-hospital procedures are covered
    • A personal accident benefit up to R25 000 is included for the principal member – at no extra cost . Includes emergency services and medico legal assistance
    • Significant premium and benefit advantages for groups (compulsory and voluntary)
    • On the principal’s death, the widow or widower of the deceased has an option to continue cover
    • The maximum amounts of cover available, per annum, are:
      R 200 000 per individual
      R 2 million per family

    For more information on the product please click here

    How to make this vital cover part of your portfolio

    (The good news is you don’t need to write an exam!)

    If you are accredited for short-term products (personal lines) we can provide you with a broker agreement – you just need to complete and sign our IFA agreement.

    If you are not accredited for short-term products personal lines , you have two options:

    • We can offer you a supervisory arrangement- You complete and sign the Zestlife Supervisory agreement and become a representative of Zestlife on the product. (You earn 20% commission, paid as an annuity)
    • We can accept referrals and close the sale on your behalf through our trained call centre. (You earn a once off referral fee per policy sold)

    (To refer: e-mail