The Best Medical Aids
The Best Hospital Plans
Overall, Agility Combined 200 Gap Cover is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Agility Combined 200 Gap Cover Plan starts from R185 ZAR. Agility has a trust score of 4.1.
🔎 Provider | 🥇 Agility Combined 200 |
🟥 Years in Operation | 18 years |
🟧 Underwriters | GENRIC Insurance Company Ltd |
🟨 Market Share in South Africa | <1% |
🟩 Gap Cover Waiting Period | 3 – 12 months |
🟦 Do Exclusions Apply | ✅ Yes |
🟪 Average Monthly Premium | R185 |
🟥 Oncology Benefit | None |
🟧 In-Hospital Benefit | ✅ Yes |
🟨 Out-of-Hospital Cover | ✅ Yes |
The Agility Combined 200 is one of six plans that starts from R185 per month. The Agility Combined 200 plan has benefits for MRI and CT scan co-payments, in-hospital PMB cover, casualties, certain outpatient procedures, and more.
Agility GAP Cover has six plans to choose from:
🔎 Plan | 🥇 Agility Combined 200 |
🅰️ Individual | R185 |
🅱️ Family | R205 |
🔎 Plan | 🥇 Agility Combined 200 |
🅰️ Individual | R343 |
🅱️ Family | R371 |
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🟥 Gap Cover % | Up to twice the Medical Aid Tariff (200%). |
🟧 Overall Annual Limit | Limited to R191,000 per beneficiary per year. |
🟨 Co-Payment Cover for Procedures, MRI, and CT scan co-payments in and out-of-hospital | Unlimited cover but subject to the OAL. There is no limit per event. |
🟦 PMB Cover – In-Hospital Treatment | Limited to R2,300 per policy per year. |
🟩 Emergency Room Benefits for Trauma, Accidents, and Illness | Limited to R2,850 per policy per year. |
🟪 Out-patient Procedure Cover for procedures performed in the doctor’s rooms | Limited to R4,500 per event and R15,400 per policy per year. |
🟥 Gap Premium Waiver if the Policyholder dies or is permanently disabled | Limited to R5,500 per policy per year. |
🟧 Medical Scheme Contribution Waiver if the main policyholder/member dies or is permanently disabled | Limited to R5,500 per policy per year for 6 months. |
Agility Gap Cover exclusions include, but are not limited to, the following:
and many more. A full list of exclusions will be provided by Agility.
Agility Gap Cover does not explicitly outline its waiting periods within the policy documentation. However, similar to other providers of gap cover, the following waiting periods may be applicable:
Finally, a Maternity Waiting Period. For maternity-related claims, a waiting period of 10 months may apply. This means you must be a policyholder for at least 10 months before submitting a claim for maternity-related care.
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🔎 Provider | 🥇 Agility Combined 200 | 🥈 Kaelo Gap Core | 🥉 Standard Bank GapAssist Optimal |
🟥 Years in Operation | 18 years | 19 years | 61 years (Standard Bank) |
🟧 Underwriters | GENRIC Insurance Company Ltd | Centriq Insurance Company Limited | Standard Insurance Limited |
🟨 Market Share in South Africa | <1% | <1% | <10% |
🟩 Gap Cover Waiting Period | 3 – 12 months | 12 months | 12 Months |
🟦 Do Exclusions Apply | ✅ Yes | ✅ Yes | ✅ Yes |
🟪 Average Monthly Premium | R185 | R255 | R225 |
🟥 Oncology Benefit | None | None | None |
🟧 In-Hospital Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
🟨 Out-of-Hospital Cover | ✅ Yes | ✅ Yes | ✅ Yes |
🟩 Maternity Benefit | None | None | None |
🟦 Scopes and Scans | ✅ Yes | None | ✅ Yes |
🟪 Co-payment Cover | ✅ Yes | None | ✅ Yes |
🟥 Emergency Room | ✅ Yes | ✅ Yes | ✅ Yes |
🟧 Accidental Cover | None | ✅ Yes | ✅ Yes |
🟨 Trauma Counseling | None | None | ✅ Yes |
🟩 Premium Waiver | ✅ Yes | ✅ Yes | ✅ Yes |
🟦 Non-DSP Co-Payment | None | None | ✅ Yes |
🟪 Prostheses | None | None | ✅ Yes |
🟥 Travel Cover Extender | None | None | None |
🟧 Accidental Death/ Permanent Disability | ✅ Yes | ✅ Yes | ✅ Yes |
According to our research, Agility Combined 200 is a popular gap cover plan offered by Agility in South Africa. It provides various benefits, including cover for MRI and CT scan co-payments, in-hospital PMB treatments, casualties, and certain outpatient procedures.
Our findings also indicate that the plan offers unlimited co-payment coverage for procedures, MRI, and CT scan co-payments in and out of the hospital, subject to the Overall Annual Limit (OAL).
Agility Combined 200 is a gap cover plan that provides shortfall cover for services rendered in the hospital and outpatient cover. Furthermore, it includes cover for in-hospital professional fee shortfalls, co-payments related to MRI and CT scans, emergency room benefits, and outpatient procedures and consultations.
The overall annual limit for Agility Combined 200 is R191,000 per beneficiary per year. This means that the plan will cover medical expenses up to this limit within the specified timeframe.
While the policy document does not explicitly outline the waiting periods, it is typical for gap cover plans to have waiting periods. Examples include a general waiting period of three months and a waiting period of 12 to 24 months for pre-existing conditions.
Yes, Agility Combined 200 offers ancillary benefits such as a gap premium waiver in the event of the policyholder’s death or disability and a medical scheme contribution waiver.
Yes, individuals and families with members over 60 can join. However, premiums will be higher.
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