With medical scheme plans becoming more expensive and service providers starting to charge higher and higher rates, it makes sense to get an insurance product like gap cover that bridges the gap so you don’t end up being out of pocket. In essence, gap cover provides you with financial assistance on the portion of in-hospital specialist bills which your normal medical scheme doesn't cover.
Bear in mind that gap cover only pays for in-hospital care - not day-to-day medical expenses.
If you’ve had to pay for hospital procedures and treatment in hospital, you’ll know that there’s often a big difference between the cost of treatment and what your medical scheme pays for. Gap cover helps you pay for the shortfall and ensures that you don’t suffer financially due to unexpected medical expenses.
Please contact Simeka Health on 0860 000 952 or email email@example.com for any advice on the different gap cover options.
How Medical Gap Cover Insurance Works.
View the Frequently Asked Questions.
Choose the programme that suits your needs.
Protect yourself against unexpected excess payments.
Note:Graph values show actual payments made by medical aid schemes andgap cover amounts paid out by Xelus (Pty) Ltd, the administrator for Sanlam Gap Cover.
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Please complete the form to purchase Sanlam Gap Cover, and we’ll help protect you against unexpected excess payments.
New regulations for gap cover stipulate that:
In certain cases the cost for in-hospital procedures or outpatient treatment may exceed the base medical aid rate by 5-times. By taking out Gap Cover Insurance, you ensure that you and your family aren’t left with a large excess amount to settle.
Yes, the following waiting periods apply:
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