Medical Aid
Experience the benefits of premium private healthcare coverage or a comprehensive hospital plan. Given the unique healthcare requirements of each individual, we’ll offer a range of products to suite your lifestyle and budget.
Gap Cover
Gap cover provides protection against tariff shortfalls on specialist claims within the hospital and specified out-of-hospital expenses related to approved admissions.
Medical schemes are responsible for covering expenses incurred during in-hospital care, which includes services provided by medical practitioners at the rates established by the scheme. However, nowadays, many specialists charge fees that surpass these established rates, leading to a difference known as the tariff gap. As a member, you are held accountable for covering this difference.
Gap Cover, also referred to as Top-up Cover, is an insurance product designed to offer coverage for you and your immediate family in instances where Medical Practitioners charge fees exceeding the Medical Aid Tariff for surgical procedures within the hospital and specific out-of-hospital procedures.
In cases where a medical practitioner charges above the medical scheme tariff, the insured individual will receive a benefit equivalent to the expenses incurred due to this gap, specifically for hospital admissions as in-patients.
Get Covered
- Gap cover that’s designed to provide extra cover for those who already have medical aid.
- Gap cover assists with the shortfall between your medical scheme’s tariff and the actual rates charged by private healthcare professionals in hospital as well as certain out of hospital benefits.
- Speak to our medical aid team to help you match the best cover for you.
Travel Insurance
If you travel without travel insurance, you open yourself up to amassing crippling medical expenses. It is important to be aware of the fact that while you purchase your policy in local currency, any medical expenses you may incur would be paid in foreign currencies, and this could lead to financial ruin if you are travelling to a country with a stronger currency.
A Travel Insurance policy will provide you with financial security and travel assistance and protect you from potentially enormous financial costs. For example, in the UK, just a routine visit to the GP may cost you between 150GBP and 200GBP. Hospitalisation costs for serious medical conditions such as injuries resulting from motor vehicle accidents, or illnesses such as heart attacks, strokes and bowel obstructions could result in exorbitant bills.
24 hour emergency assistance
All our Travel Policies carry the support of worldwide 24-hour emergency assistance. No matter where you travel in the world, you are always just a call away from the help you need. Our emergency contact centre works around the clock to provide you medical and travel assistance worldwide. If you are in an accident or become ill during your trip you will enjoy the expert medical care and travel assistance you need.
Our Travel Insurance products include important benefits such as:
- Medical and Related Expenses and Assistance Services
- Evacuation
- Cancellation
- Curtailment
- Personal Liability
- Personal Accident
- Lost or Stolen Luggage
- Travel Delay
- Legal Assistance