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Overall, Agility Combined 500 Gap Cover is a trustworthy short-term insurance product designed to provide extra protection for those with medical aid. The Agility Combined 500 Gap Cover Plan starts from R382 ZAR. Agility has a trust score of 4.1.
π Provider | π₯ Agility Combined 500 |
π₯ Years in Operation | 18 years |
π§ Underwriters | GENRIC Insurance Company Ltd |
π¨ Market Share in South Africa | <1% |
π© Gap Cover Waiting Period | 3 β 12 months |
π¦ Do Exclusions Apply | β Yes |
πͺ Average Monthly Premium | R382 |
π₯ Oncology Benefit | β Yes |
π§ In-Hospital Benefit | β Yes |
π¨ Out-of-Hospital Cover | β Yes |
The Agility Combined 500 is one of six plans that starts from R382 per month. The Agility Combined 500 plan has benefits for maternity scans, robotic surgery, penalty co-payments when using non-DSP hospitals, trauma counseling, premium waivers, and more.
Agility offers 24/7 medical emergency assistance.
Agility GAP Cover has six plans to choose from:
π Plan | π₯ Agility Combined 500 |
π °οΈ Individual | R382 |
π ±οΈ Family | R424 |
π Plan | π₯ Agility Combined 500 |
π °οΈ Individual | R597 |
π ±οΈ Family | R645 |
π₯ Gap Cover % | Up to five times the Medical Aid Tariff (500%). |
π§ Overall Annual Limit | Limited to R191,000 per beneficiary per year. |
π₯ 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. |
π§ Penalty Co-Payment Cover for voluntarily using a non-DSP hospital for treatment | Limited to R13,500 per claim. Limited to 2 claims per year |
π¨ PMB Cover β In-Hospital Treatment | Limited to R43,000 per policy |
π© Hospital Booster benefits | Limited to R38,000 per policy. Limited to 3 claims per year. |
π¦ Sub-limit cover | Limited to R38,000 per policy |
πͺ Robotic Surgery | Limited to R38,000 per policy |
π₯ Private Room Upgrades | Limited to R22,000 per policy |
π§ In-Hospital Shortfall cover, including consumables | Limited to R5,000 per policy |
π¨ Oncology Diagnosis | Limited to R18,000 per policy |
π© Oncology Shortfall Cover | Unlimited, but subject to the OAL. There are no event limits. |
π₯ Emergency Room Benefits for Trauma, Accidents, and Illness | Limited to R14,000 per policy per year. |
π§ Out-patient Procedure Cover procedures performed in the doctorβs rooms | Limited to R22,000 per policy |
π¨ Out-patient Consultation Shortfalls include GP, Specialists, Dentists, Physiotherapists, and Psychology | Limited to R5,000 per policy |
π© Maternity Lump-sum Benefit for the first trimester | Limited to R4,400 per policy |
π¦ Maternity Scan Benefit for 2D, 3D, and 4D scans in and out-of-hospital | Limited to R3,300 per policy |
π₯ Gap Premium Waiver if the Policyholder dies or is permanently disabled | Limited to R6,600 per month up to 12 months. |
π§ Medical Scheme Contribution Waiver if the main policyholder/member dies or is permanently disabled | Limited to R6,600 per policy per year for 6 months. |
π¨ Trauma Counselling | Limited to R12,000 per policy and R1,200 per event. |
Agility Gap Cover exclusions include, but are not limited to, the following:
and many more.Β 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.
π Provider | π₯ Agility Combined 500 | π₯ Standard Bank GapAssist Essential | π₯ Medway GapCore |
π₯ Years in Operation | 18 years | 61 years (Standard Bank) | 35 years |
π§ Underwriters | GENRIC Insurance Company Ltd | Standard Insurance Limited | Guardrisk |
π¨ Market Share in South Africa | <1% | <10% | <1% |
π© Gap Cover Waiting Period | 3 β 12 months | 12 Months | 3 β 12 months |
π¦ Do Exclusions Apply | β Yes | β Yes | β Yes |
πͺ Average Monthly Premium | R382 | R351 | R390 |
π₯ Oncology Benefit | β Yes | None | β Yes |
π§ In-Hospital Benefit | β Yes | β Yes | β Yes |
π¨ Out-of-Hospital Cover | β Yes | β Yes | β Yes |
π© Maternity Benefit | β Yes | None | None |
π¦ Scopes and Scans | β Yes | β Yes | None |
πͺ Co-payment Cover | β Yes | None | None |
π₯ Emergency Room | β Yes | β Yes | None |
π§ Accidental Cover | None | β Yes | β Yes |
π¨ Trauma Counseling | β Yes | β Yes | None |
π© Premium Waiver | β Yes | β Yes | None |
π¦ Non-DSP Co-Payment | β Yes | None | None |
πͺ Prostheses | β Yes | None | None |
π₯ Travel Cover Extender | None | None | None |
π§ Accidental Death/ Permanent Disability | β Yes | β Yes | None |
Our findings indicate that the Agility Combined 500 plan offered by Agility appears to be a comprehensive gap cover option with various benefits and features.Β In our experience, with competitive premiums and a wide cover scope, it aims to provide financial protection and peace of mind to policyholders in South Africa.
The plan offers significant cover for in-hospital treatments, including co-payment cover, penalty co-payment cover, and PMB cover.Β However, it is important to consider the planβs limitations as the cover is subject to various annual limits and event-specific caps.
The Agility Combined 500 plan is a comprehensive gap cover option offered by Agility, providing additional cover for medical expenses beyond what is covered by your medical aid.
The plan offers benefits such as in-hospital cover, co-payment cover, penalty co-payment cover, out-of-hospital cover, maternity benefits, trauma counseling, and premium waivers.
The plan has an overall annual limit of R191,000 per beneficiary per year, ensuring your cover remains within a certain threshold.
Yes, exclusions include pre-existing conditions, routine medical advice, psychiatric conditions, elective cosmetic procedures, and certain treatments.
Yes, the plan includes a gap premium waiver, which covers the gap plan premiums up to R6,600 per month for a maximum of 12 months if the policyholder dies or becomes permanently disabled.
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