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Overall, Admed Premium Gap Cover is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Admed Premium Gap Cover Plan starts from R367 ZAR Per Month. Admed has a trust score of 4.1.
🔎 Provider | 🥇 Admed Premium Gap |
🟥 Years in Operation | N/A |
🟧 Underwriters | Guardrisk Insurance Company Limited |
🟨 Market Share in South Africa | <1% |
🟩 Gap Cover Waiting Period | 3 – 12 months |
🟦 Do Exclusions Apply? | Yes |
🟪 Average Monthly Premium | R367 |
🟥 Oncology Benefit | None |
🟧 In-Hospital Benefit | ✅ Yes |
🟨 Out-of-Hospital Cover | ✅ Yes |
🟩 Maternity Benefit | None |
🟦 Scopes and Scans | ✅ Yes |
🟪 Co-payment Cover | ✅ Yes |
The Admed Premium Gap is one of four plans that starts from R367 per month. The Admed Premium Gap plan has benefits for in and out-of-hospital treatments and procedures, occupational therapy, physiotherapy, and more.
Admed offers 24/7 medical emergency assistance. However, because insufficient reviews exist, there is no trust rating for Admed according to the Trust Index. Based on our research, we confidently give Admed a trust score of 3.5.
Admed Gap Cover has six options to choose from:
🥇 Premium Gap | From R367 |
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💴 Medical Expense Shortfall Benefit In-hospital | Admed covers the difference between what a specialist charges and what the insured member’s medical scheme pays up to 300%. Only PMBs are covered under this benefit. |
💵 Medical Expense Shortfall Out-of-Hospital | Admed covers specific medical procedures performed in day clinics or doctors’ rooms for up to 300% of the amount paid by the medical aid. PMBs are covered under this benefit. |
💶 Co-Payment Benefit | Admed covers co-payments on radiology scans and specialist procedures according to the medical aid option. |
🔎 Category | 🥇 Procedures Covered by Admed |
💖 Cardiovascular | Coronary Angioplasty Angiogram |
🩺 Dermatologic | Skin Grafts |
🧬 Ear, Nose, Throat | Adenoidectomy Direct Laryngoscopy Grommets Myringotomy Sinus Surgery Tonsillectomy |
🩹 Gastrointestinal | Closure of colostomy Colonoscopy Endoscopy Gastroscopy Laparoscopy Esophagoscope Hemorrhoidectomy |
👩⚕️ General Surgery | Hernia Repairs Biopsies |
👨⚕️ Gynecology | Cervical Laser Ablation Dilatation and Curettage Hysteroscopy Tubal Litigation |
⚠️ Obstetrics | Childbirth in a non-hospital setting |
⚕️ Oncology | Chemotherapy Radiotherapy |
🧪 Ophthalmology | Cataract Removal Pterygium Removal Trabeculectomy |
🩸 Orthopaedic | Arthroscopy Bunionectomy Carpal Tunnel Release Ganglion Surgery |
📌 Radiology | CAT scan MRI scan PET scan Nuclear Radiology Varicose Vein Removal |
📍 Renal | Kidney dialysis |
😮💨 Respiratory | Bronchoscopy |
↪️ Urology | Circumcision (due to medical necessity) Cystoscopy Orchidopexy Prostate Biopsy Vasectomy |
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Admed covers the following Allied Professionals:
and many more. A full list of Allied Professionals will be provided.
Some of Admed’s Exclusions include, but are not limited to, the following:
Investigative procedures, and more.
Admed applies the following waiting periods:
Medical events related to cancer, birth, or pregnancy will have a waiting period of twelve months.
🔎 Provider | 🥇 Admed Premium Gap | 🥈 Standard Bank GapAssist Essential | 🥉 Cura Administrators Gap Advanced |
🟥 Years in Operation | N/A | 61 years (Standard Bank) | 26 years |
🟧 Underwriters | Guardrisk Insurance Company Limited | Standard Insurance Limited | GENRIC Insurance Company Limited |
🟨 Market Share in South Africa | <1% | <10% | <5% |
🟩 Gap Cover Waiting Period | 3 – 12 months | 12 Months | 3 – 12 months |
🟦 Do Exclusions Apply? | Yes | Yes | Yes |
🟪 Average Monthly Premium | R367 | R351 | R397 |
🟥 Oncology Benefit | None | None | ✅ Yes |
🟧 In-Hospital Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
🟨 Out-of-Hospital Cover | ✅ Yes | ✅ Yes | None |
🟩 Maternity Benefit | None | None | None |
🟦 Scopes and Scans | ✅ Yes | ✅ Yes | ✅ Yes |
🟪 Co-payment Cover | ✅ Yes | None | None |
🟥 Emergency Room | None | ✅ Yes | ✅ Yes |
🟧 Accidental Cover | None | ✅ Yes | None |
🟨 Trauma Counseling | None | ✅ Yes | ✅ Yes |
🟩 Premium Waiver | None | ✅ Yes | ✅ Yes |
🟦 Non-DSP Co-Payment | None | None | ✅ Yes |
🟪 Prostheses | None | None | ✅ Yes |
🟥 Travel Cover Extender | None | None | ✅ Yes |
🟧 Accidental Death/ Permanent Disability | None | ✅ Yes | None |
Our research on Admed shows it is a gap cover provider in South Africa, underwritten by Guardrisk Insurance Company Limited. Admed Premium Gap is a versatile plan with a starting price of R367 per month, covering in and out-of-hospital treatments and procedures, including occupational therapy and physiotherapy.
Admed offers 24/7 medical emergency assistance. Comparatively, it holds its ground against other gap cover plans in the market.
Admed Premium Gap Cover is an insurance product designed to cover the gap between what your medical aid scheme pays and what healthcare professionals charge for in-hospital and certain out-of-hospital procedures.
The Admed Premium Gap plan starts from R367 per month.
The main benefits of the Admed Premium Gap plan include cover for in and out-of-hospital treatments, occupational therapy, physiotherapy, and more. It also offers shortfall and co-payment benefits and covers numerous out-of-hospital procedures.
No, the Admed Premium Gap cover does not include oncology benefits.
The waiting periods for the Admed Premium Gap cover are three months for individuals not part of a group, nine months for procedures or surgeries associated with pre-existing conditions, and twelve months for medical events related to cancer, birth, or pregnancy.
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