03 April 2023


Gap cover is a type of insurance policy that can help cover the difference between what your medical aid pays for a medical procedure and what it actually costs.

If you are a member of a South African medical aid then there are a few important things to consider when looking for gap cover, to ensure you get the best policy for your needs.


1. Benefits:

Not all gap cover policies are created equal, so it’s important to look at what each policy covers. Make sure the policy you choose covers the medical procedures you are most likely to need, such as surgery or cancer treatment.

2. Affordability:

The second thing to consider is how much the policy will cost. Look for a policy that offers comprehensive benefits for a price that fits within your budget.

3. Waiting periods:

A waiting period is the time span during which you cannot claim some or all of the benefits of your gap cover. Some gap cover providers impose a 3 month general waiting period and others, such as Zestlife Gap Cover, does not. All gap cover providers impose a 9 to 12 month waiting period for any pre-existing medical conditions. Make sure you understand what the waiting periods are when looking for Gap Cover so that you know when you can start claiming benefits.

4. Exclusions:

Exclusions are the conditions and treatments that are not covered by the policy. Make sure you understand what is excluded from the policy, so you know what you are covered for and what you are not. This is particularly important when considering cheaper gap cover options.

5. Reputation:

Finally, consider the reputation of the insurance company offering the policy. Look for a company with a good reputation for paying out claims and providing good customer service.

By considering these factors, you can find a gap cover policy that is right for you and provides the benefits you need to protect your health and your finances.

Click here to find out more about how you can protect yourself and your family with Zestlife Gap Cover.

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.