The Best Medical Aids
The Best Hospital Plans
Overall, Agility Gap 500 is a trustworthy short-term insurance product designed to provide extra protection for those with medical aid. The Agility Gap 500 Plan start from R225 ZAR. Agility has a trust score of 4.1.
🔎 Provider | 🥇 Agility Gap 500 |
🟥 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 | R225 |
🟥 Oncology Benefit | None |
🟧 In-Hospital Benefit | ✅ Yes |
🟨 Out-of-Hospital Cover | ✅ Yes |
The Agility Gap 500 is one of six plans that starts from R225 per month. The Agility Gap 500 plan has benefits for accidental death/permanent disability, emergency cover for accidents, trauma, or illness, the cover of up to 500% of the medical aid tariff, and more.
Agility offers 24/7 medical emergency assistance.
Agility GAP Cover has six plans to choose from:
🔎 Agility Plan | 🥇 Gap 500 |
🅰️ Individual | R225 |
🅱️ Family | R245 |
🔎 Agility Plan | 🥇 Gap 500 |
🅰️ Individual | R400 |
🅱️ Family | R435 |
🟥 Gap Cover % | Up to five times the Medical Aid Tariff (500%). |
🟧 Overall Annual Limit | Limited to R191,000 per beneficiary per year. |
🟨 PMB Cover – In-Hospital Treatment | Limited to R14,000 per policy per year. |
🟩 Emergency Room Benefits for Trauma, Accidents, and Illness | Limited to R2,200 per policy per year. |
🟦 Gap Premium Waiver if the Policyholder dies or is permanently disabled | Limited to R6,480 per policy per year. |
🟪 Medical Scheme Contribution Waiver if the main policyholder/member dies or is permanently disabled | Limited to R6,480 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.
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.
🔎 Provider | 🥇 Agility Gap 500 | 🥈 Stratum Benefits Compact300 | 🥉 Medway GapCore |
🟥 Years in Operation | 18 years | 24 years | 35 years |
🟧 Underwriters | GENRIC Insurance Company Ltd | Guardrisk Insurance Company Limited (FSP 75) | Guardrisk |
🟨 Market Share in South Africa | <1% | >5% | <1% |
🟩 Gap Cover Waiting Period | 3 – 12 months | 3 Months | 3 – 12 months |
🟦 Do Exclusions Apply | ✅ Yes | ✅ Yes | ✅ Yes |
🟪 Average Monthly Premium | R225 | R276 | R390 |
🟥 Oncology Benefit | None | ✅ Yes | ✅ Yes |
🟧 In-Hospital Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
🟨 Out-of-Hospital Cover | ✅ Yes | ✅ Yes | ✅ Yes |
🟩 Maternity Benefit | None | ✅ Yes | None |
🟦 Scopes and Scans | None | ✅ Yes | None |
🟪 Co-payment Cover | None | ✅ Yes | None |
🟥 Emergency Room | ✅ Yes | ✅ Yes | None |
🟧 Accidental Cover | None | ✅ Yes | ✅ Yes |
🟨 Trauma Counseling | None | ✅ Yes | None |
🟩 Premium Waiver | ✅ Yes | None | None |
🟦 Non-DSP Co-Payment | None | None | None |
🟪 Prostheses | None | ✅ Yes | None |
🟥 Travel Cover Extender | None | ✅ Yes | None |
🟧 Accidental Death/ Permanent Disability | ✅ Yes | ✅ Yes | None |
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According to our findings, Agility Gap 500 plan offers a higher level of cover for in-hospital professional fee shortfalls than the Gap 200 plan. Furthermore, we found that Agility Gap 500 covers certain procedures, casualties, accidental death/permanent disability via the premium waiver, and more.
According to our experience, this plan might be suitable for individuals or families who require a higher level of coverage and are willing to pay a higher premium for these additional benefits.
However, as with any other insurance product, it is crucial to consider your healthcare needs and consult a broker before registering for coverage.
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This means that the Agility Gap 500 plan will cover up to 500% of your medical scheme’s rate for in-hospital professional fees. If your medical scheme covers a certain amount, this plan will cover up to five times that amount.
The PMB cover for in-hospital treatment in the Agility Gap 500 plan is up to R14,000 per policy.
The plan provides an emergency room benefit for trauma, accident & illness up to R2,200 per policy.
The Agility Gap 500 plan is suitable for individuals or families who require a higher level of cover for in-hospital professional fee shortfalls and are willing to pay a higher premium for additional benefits.
The monthly premium for individuals and families below 65 years is R225 and R245, respectively. For those above 65 years, the individual premium is R400, and the family premium is R435.
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