Agility Gap 500 (🇿🇦 2024)

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 starts from R225 ZAR. Agility has a trust score of 4.1.    

Agility Gap 500 - 7 Key Point Quick Overview

1. ✅ Agility Gap 500 Overview
2. ✅ Agility Gap 500 Premiums
3. ✅ Agility Gap 500 Benefits and Cover Breakdown
4. ✅ Agility Gap 500 Exclusions and Waiting Periods
5. ✅ Agility Gap 500 vs Other Gap Cover Plans
6. ✅ Our Verdict on Agility Gap 500
7. ✅ Agility Gap 500 Frequently Asked Questions

Agility Gap 500 Overview

The Agility Gap 500 is one of six plans that start 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 Ultra Gap Cover
• Agility Gap 500 Gap Cover
• Agility Gap 200 Gap Cover
• Agility Combined 500 Gap Cover
• Agility Combined 400 Gap Cover
• Agility Combined 200 Gap Cover

Agility Gap 500 Premiums

Agility Gap 500 Individuals and Families <65 Years

 

Agility Gap 500 Individuals and Families 65 Years>

 

Agility Gap 500 Benefits and Cover Breakdown

Agility Gap 500 Cover % and Overall Annual Limit

 

Agility Gap 500 In-Hospital Cover

 

Agility Gap 500 Out-of-Hospital Cover

 

Agility Gap 500 Ancillary Cover

 

Agility Gap 500 Exclusions and Waiting Periods

Agility Gap 500 Exclusions

  Agility Gap Cover exclusions include, but are not limited to, the following:

• ✅ Uncovered or unintended claims
• ✅ Alternative legislation claims
• ✅ Pre-existing conditions (excluded for 12–24 months)
• ✅ Claims within three months (excluding accidents)
• ✅ Routine medical advice
• ✅ Diagnostic or routine physical exams
• ✅ Drugs, prescriptions

    and many more. A full list of exclusions will be provided.    

Agility Gap 500 Waiting Periods

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:  

• ✅ A General Waiting Period. All new policies are subject to a three-month waiting period, during which no claims will be accepted. This waiting period serves as a deterrent against individuals purchasing insurance solely for immediate claims.
• ✅ A Pre-existing Conditions Waiting Period. If you have a pre-existing medical condition upon joining Agility Gap Cover, there is a waiting period of 12 to 24 months before you can file a claim for treatment related to that specific condition. This waiting period aligns with the policy exclusions.

    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.  

Agility Gap 500 vs Other Gap Cover Plans

 

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Our Verdict on Agility Gap 500

According to our findings, the 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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Frequently Asked Questions

What does the 500% cover for in-hospital professional fee shortfalls mean?

This means 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.  

What is the PMB cover for in-hospital treatment in the Agility Gap 500 plan?

The PMB cover for in-hospital treatment in the Agility Gap 500 plan is up to R14,000 per policy.  

What out-of-hospital cover does the Agility Gap 500 plan provide?

The plan provides an emergency room benefit for trauma, accident & illness up to R2,200 per policy.  

Who is the Agility Gap 500 plan suitable for?

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.  

How much is the monthly premium for the Agility Gap 500 plan?

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.