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APPLY NOW
COMPARISON OF BENEFITS
All benefits except  Cancer Initial Diagnosis and benefits listed under Added Benefits are subject to overall annual limit of R164 000.
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Added Benefits
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Accidental Death
• Principal: R7 500
• Adult Dependent: R5 000
• Child Dependent: R3 000
Gap Premium Waiver
12 Month premium waiver when premium payer
is forcibly retrenched, becomes totally and permanently disabled or passes away
Medical Aid Contribution Cover
6 Months payment toward your Medical Aid contributions up to R3 000 per month upon the death or total and permanent disability of
premium payer
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Added Benefits
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Accidental Death
• Principal: R15 000
• Adult Dependent: R10 000
• Child Dependent: R5 000
Gap Premium Waiver
12 Month premium waiver when premium payer is forcibly retrenched, becomes totally and permanently disabled or passes away.
Medical Aid Contribution Cover
6 Months payment toward your Medical Aid contributions up to R5 000 per month upon the death or total and permanent disability of
premium payer
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Day-to-Day Benefits
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Primary Care Benefit
Gap Portion of consultation limited to 3 consultations for:

• General Practitioners @ R200 per consultation
• Dental Consultations @ R200 per consultation
• Alternative Care @ R300 per consultation
Preventative Care Benefit
Gap Portion for Preventative treatments limited to R1 000 per claim, 3 claims per annum
Specialist Consultations
Gap Portion of consultation @ R1 000 per consultation, 3 claims Per annum
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Day-to-Day Benefits
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Primary Care Benefit
Gap Portion of consultation limited to 3 consultations for:

• General Practitioners @ R350 per consultation
• Dental Consultations @ R350 per consultation
• Alternative Care @ R450 per consultation
Preventative Care Benefit
Gap Portion for Preventative treatments limited to R1 500 per claim, 3 claims per annum
Specialist Consultations
Gap Portion of consultation @ R1 500 per consultation, 3 claims Per annum
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Cancer Benefits
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Cancer Initial Diagnosis
R10 000
Cancer Shortfall Cover
R164 000 per annum for any Gap or Co-Payment paid from the oncology benefit as part of your oncology treatment plan.
R60 000 Sub-Limit on oncology Co-Payments
Cancer Top-Up
R50 000 per annum where Rand limit on Medical Aid has been reached
Reconstructive Benefit
200% Gap Cover for reconstructive surgery
on effected breast and up to R15 000 for reconstruction of unaffected breast
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Cancer Benefits
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Cancer Initial Diagnosis
R20 000
Cancer Shortfall Cover
R164 000 per annum for any Gap or Co-Payment paid from the oncology benefit as part of your oncology treatment plan.
R100 000 Sub-Limit on oncology Co-Payments.
Cancer Top-Up
R100 000 per annum where Rand limit on Medical Aid has been reached.
Reconstructive Benefit
300% Gap Cover for reconstructive surgery
on effected breast and up to R25 000 for reconstruction of unaffected breast.
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In-Hospital Benefits
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Gap Cover
Additional 500%
Co-Pay Fee
Appliance Benefit
Day Hospitals
Up to R10 000 per admission
R3 000 per annum for selected appliances
Subject to Overall Annual Limit
Admission Fee
ER Benefit
Sub-Limit Enhancer
Up to R3 000 per admission
R3 000 per annum
Penalty Fee
Hospital Account
R3 000 per admission, R 6 000 per annum
R1 000 per claim, 3 claims per annum
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In-Hospital Benefits
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Gap Cover
Additional 500%
Co-Pay Fee
Appliance Benefit
Day Hospitals
Up to R15 000 per admission
R5 000 per annum for selected appliances
Subject to Overall Annual Limit
Admission Fee
ER Benefit
Sub-Limit Enhancer
Up to R5 000 per admission
R5 000 per annum
Internal prosthesis, CT & MRI Scans,
R20 000 per claim, R40 000 per annum
Penalty Fee
Hospital Account
R5 000 per admission, R 10 000 per annum
R1 500 per claim, 3 claims per annum
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OUR GAP COVER PRODUCTS
APPLY
Contact Us
Guide
My Policy
Options
Home
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APPLY NOW
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Added Benefits
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Accidental Death
• Principal: R7 500
• Adult Dependent: R5 000
• Child Dependent: R3 000
Gap Premium Waiver
12 Month premium waiver when premium payer
is forcibly retrenched, becomes totally and permanently disabled or passes away
Medical Aid Contribution Cover
6 Months payment toward your Medical Aid contributions up to R3 000 per month upon the death or total and permanent disability of
premium payer
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Day-to-Day Benefits
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Primary Care Benefit
Gap Portion of consultation limited to 3 consultations for:

• General Practitioners @ R200 per consultation
• Dental Consultations @ R200 per consultation
• Alternative Care @ R300 per consultation
Preventative Care Benefit
Gap Portion for Preventative treatments limited to R1 000 per claim, 3 claims per annum
Specialist Consultations
Gap Portion of consultation @ R1 000 per consultation, 3 claims Per annum
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Cancer Benefits
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Cancer Initial Diagnosis
R10 000
Cancer Shortfall Cover
R164 000 per annum for any Gap or Co-Payment paid from the oncology benefit as part of your oncology treatment plan.
R60 000 Sub-Limit on oncology Co-Payments
Cancer Top-Up
R50 000 per annum where Rand limit on Medical Aid has been reached
Reconstructive Benefit
200% Gap Cover for reconstructive surgery
on effected breast and up to R15 000 for reconstruction of unaffected breast
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Added Benefits
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Accidental Death
• Principal: R15 000
• Adult Dependent: R10 000
• Child Dependent: R5 000
Gap Premium Waiver
12 Month premium waiver when premium payer is forcibly retrenched, becomes totally and permanently disabled or passes away.
Medical Aid Contribution Cover
6 Months payment toward your Medical Aid contributions up to R5 000 per month upon the death or total and permanent disability of
premium payer
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Day-to-Day Benefits
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Primary Care Benefit
Gap Portion of consultation limited to 3 consultations for:

• General Practitioners @ R350 per consultation
• Dental Consultations @ R350 per consultation
• Alternative Care @ R450 per consultation
Preventative Care Benefit
Gap Portion for Preventative treatments limited to R1 500 per claim, 3 claims per annum
Specialist Consultations
Gap Portion of consultation @ R1 500 per consultation, 3 claims Per annum
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Cancer Benefits
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Cancer Initial Diagnosis
R20 000
Cancer Shortfall Cover
R164 000 per annum for any Gap or Co-Payment paid from the oncology benefit as part of your oncology treatment plan.
R100 000 Sub-Limit on oncology Co-Payments.
Cancer Top-Up
R100 000 per annum where Rand limit on Medical Aid has been reached.
Reconstructive Benefit
300% Gap Cover for reconstructive surgery
on effected breast and up to R25 000 for reconstruction of unaffected breast.
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In-Hospital Benefits
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Gap Cover
Additional 500%
Co-Pay Fee
Appliance Benefit
Day Hospitals
Up to R15 000 per admission
R5 000 per annum for selected appliances
Subject to Overall Annual Limit
Admission Fee
ER Benefit
Sub-Limit Enhancer
Up to R5 000 per admission
R5 000 per annum
Internal prosthesis, CT & MRI Scans,
R20 000 per claim, R40 000 per annum
Penalty Fee
Hospital Account
R5 000 per admission, R 10 000 per annum
R1 500 per claim, 3 claims per annum
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In-Hospital Benefits
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Gap Cover
Additional 500%
Co-Pay Fee
Appliance Benefit
Day Hospitals
Up to R10 000 per admission
R3 000 per annum for selected appliances
Subject to Overall Annual Limit
Admission Fee
ER Benefit
Sub-Limit Enhancer
Up to R3 000 per admission
R3 000 per annum
Penalty Fee
Hospital Account
R3 000 per admission, R 6 000 per annum
R1 000 per claim, 3 claims per annum
COMPARISON OF BENEFITS
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BENEFITS
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All benefits except  Cancer Initial Diagnosis and benefits listed under Added Benefits are subject to overall annual limit of R164 000.
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OUR GAP COVER PRODUCTS
APPLY
Image/ Image/
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APPLY NOW
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Added Benefits
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Accidental Death
• Principal: R7 500
• Adult Dependent: R5 000
• Child Dependent: R3 000
Gap Premium Waiver
12 Month premium waiver when premium payer is forcibly retrenched, becomes totally and permanently disabled or passes away
Medical Aid Contribution Cover
6 Months payment toward your Medical Aid contributions up to R3 000 per month upon the death or total and permanent disability of premium payer
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Day-to-Day Benefits
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Primary Care Benefit
Gap Portion of consultation limited to 3 consultations for:
• General Practitioners @ R200
   p.consultation
• Dental Consultations @ R200
   p.consultation
• Alternative Care @ R300 p.consultation
Preventative Care Benefit
Gap Portion for Preventative treatments limited to R1 000 per claim, 3 claims per annum
Specialist Consultations
Gap Portion of consultation @ R1 000 per consultation, 3 claims Per annum
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Cancer Benefits
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Cancer Initial Diagnosis
R10 000
Cancer Shortfall Cover
R164 000 per annum for any Gap or Co-Payment paid from the oncology benefit as part of your oncology treatment plan.
R60 000 Sub-Limit on oncology
Co-Payments
Cancer Top-Up
R50 000 per annum where Rand limit on Medical Aid has been reached
Reconstructive Benefit
200% Gap Cover for reconstructive surgery
on effected breast and up to
R15 000 for reconstruction of unaffected breast
Image/
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Image/
Image/
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Added Benefits
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Accidental Death
• Principal: R15 000
• Adult Dependent: R10 000
• Child Dependent: R5 000
Gap Premium Waiver
12 Month premium waiver when premium payer is forcibly retrenched, becomes totally and permanently disabled or passes away.
Medical Aid Contribution Cover
6 Months payment toward your Medical Aid contributions up to R5 000 per month upon the death or total and permanent disability of
premium payer
Image/
Image/
Image/
Image/
Image/
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Day-to-Day Benefits
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Primary Care Benefit
Gap Portion of consultation limited to 3 consultations for:

• General Practitioners @ R350 per consultation
• Dental Consultations @ R350 per consultation
• Alternative Care @ R450 per consultation
Preventative Care Benefit
Gap Portion for Preventative treatments limited to R1 500 per claim, 3 claims per annum
Specialist Consultations
Gap Portion of consultation @ R1 500 per consultation, 3 claims Per annum
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Cancer Benefits
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Cancer Initial Diagnosis
R20 000
Cancer Shortfall Cover
R164 000 per annum for any Gap or Co-Payment paid from the oncology benefit as part of your oncology treatment plan.
R100 000 Sub-Limit on oncology Co-Payments.
Cancer Top-Up
R100 000 per annum where Rand limit on Medical Aid has been reached.
Reconstructive Benefit
300% Gap Cover for reconstructive surgery
on effected breast and up to R25 000 for reconstruction of unaffected breast.
Image/
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In-Hospital Benefits
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Gap Cover
Additional 500%
Co-Pay Fee
Appliance Benefit
Day Hospitals
Up to R15 000 per admission
R5 000 per annum for selected appliances
Subject to Overall Annual Limit
Admission Fee
ER Benefit
Sub-Limit Enhancer
Up to R5 000 per admission
R5 000 per annum
Internal prosthesis, CT & MRI Scans,
R20 000 per claim, R40 000 per annum
Penalty Fee
Hospital Account
R5 000 per admission, R 10 000 per annum
R1 500 per claim, 3 claims per annum
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In-Hospital Benefits
Image/
Gap Cover
Additional 500%
Co-Pay Fee
Appliance Benefit
Day Hospitals
Up to R10 000 per admission
R3 000 per annum for selected appliances
Subject to Overall Annual Limit
Admission Fee
ER Benefit
Sub-Limit Enhancer
Up to R3 000 per admission
R3 000 per annum
Penalty Fee
Hospital Account
R3 000 per admission, R 6 000 per annum
R1 000 per claim, 3 claims per annum
COMPARISON OF BENEFITS
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BENEFITS
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All benefits except  Cancer Initial Diagnosis and benefits listed under Added Benefits are subject to overall annual limit of R164 000.
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OUR GAP COVER
PRODUCTS
APPLY
Image/ Image/
Image/ Image/ Image/
Image/
Image/ Image/ Image/ Image/
APPLY NOW
COMPARISON OF BENEFITS
All benefits except  Cancer Initial Diagnosis and benefits listed under Added Benefits are subject to overall annual limit of R164 000.
Image/
OUR GAP COVER PRODUCTS
Image/
Image/
Image/
Image/
Image/
Image/
Added Benefits
Image/
Accidental Death
• Principal: R7 500
• Adult Dependent: R5 000
• Child Dependent: R3 000
Gap Premium Waiver
12 Month premium waiver when premium payer
is forcibly retrenched, becomes totally and permanently disabled or passes away
Medical Aid Contribution Cover
6 Months payment toward your Medical Aid contributions up to R3 000 per month upon the death or total and permanent disability of
premium payer
Image/
Image/
Image/
Image/
Image/
Image/
Added Benefits
Image/
Accidental Death
• Principal: R15 000
• Adult Dependent: R10 000
• Child Dependent: R5 000
Gap Premium Waiver
12 Month premium waiver when premium payer is forcibly retrenched, becomes totally and permanently disabled or passes away.
Medical Aid Contribution Cover
6 Months payment toward your Medical Aid contributions up to R5 000 per month upon the death or total and permanent disability of
premium payer
Image/
Image/
Image/
Image/
Image/
Image/
Day-to-Day Benefits
Image/
Primary Care Benefit
Gap Portion of consultation limited to 3 consultations for:

• General Practitioners @ R200 per consultation
• Dental Consultations @ R200 per consultation
• Alternative Care @ R300 per consultation
Preventative Care Benefit
Gap Portion for Preventative treatments limited to R1 000 per claim, 3 claims per annum
Specialist Consultations
Gap Portion of consultation @ R1 000 per consultation, 3 claims Per annum
Image/
Image/
Image/
Image/
Image/
Image/
Day-to-Day Benefits
Image/
Primary Care Benefit
Gap Portion of consultation limited to 3 consultations for:

• General Practitioners @ R350 per consultation
• Dental Consultations @ R350 per consultation
• Alternative Care @ R450 per consultation
Preventative Care Benefit
Gap Portion for Preventative treatments limited to R1 500 per claim, 3 claims per annum
Specialist Consultations
Gap Portion of consultation @ R1 500 per consultation, 3 claims Per annum
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Cancer Benefits
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Cancer Initial Diagnosis
R10 000
Cancer Shortfall Cover
R164 000 per annum for any Gap or Co-Payment paid from the oncology benefit as part of your oncology treatment plan.
R60 000 Sub-Limit on oncology Co-Payments
Cancer Top-Up
R50 000 per annum where Rand limit on Medical Aid has been reached
Reconstructive Benefit
200% Gap Cover for reconstructive surgery
on effected breast and up to R15 000 for reconstruction of unaffected breast
Image/
Image/
Image/
Image/
Image/
Image/
Cancer Benefits
Image/
Cancer Initial Diagnosis
R20 000
Cancer Shortfall Cover
R164 000 per annum for any Gap or Co-Payment paid from the oncology benefit as part of your oncology treatment plan.
R100 000 Sub-Limit on oncology Co-Payments.
Cancer Top-Up
R100 000 per annum where Rand limit on Medical Aid has been reached.
Reconstructive Benefit
300% Gap Cover for reconstructive surgery
on effected breast and up to R25 000 for reconstruction of unaffected breast.
Image/
Image/
Image/
Image/
Image/
In-Hospital Benefits
Image/
Gap Cover
Additional 500%
Co-Pay Fee
Appliance Benefit
Day Hospitals
Up to R10 000 per admission
R3 000 per annum for selected appliances
Subject to Overall Annual Limit
Admission Fee
ER Benefit
Sub-Limit Enhancer
Up to R3 000 per admission
R3 000 per annum
Penalty Fee
Hospital Account
R3 000 per admission, R 6 000 per annum
R1 000 per claim, 3 claims per annum
Image/
Image/
Image/
Image/
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In-Hospital Benefits
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Gap Cover
Additional 500%
Co-Pay Fee
Appliance Benefit
Day Hospitals
Up to R15 000 per admission
R5 000 per annum for selected appliances
Subject to Overall Annual Limit
Admission Fee
ER Benefit
Sub-Limit Enhancer
Up to R5 000 per admission
R5 000 per annum
Internal prosthesis, CT & MRI Scans,
R20 000 per claim, R40 000 per annum
Penalty Fee
Hospital Account
R5 000 per admission, R 10 000 per annum
R1 500 per claim, 3 claims per annum
Guide
APPLY
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