Ambledown Gap Cover (🇿🇦 2025)

Overall, Ambledown Gap Cover is a trustworthy short-term insurance product designed to provide extra protection for those with medical aid. Ambledown offers 7 Gap Cover plans, starting from R318 per month. Ambledown has a trust score of 5.1.   💙Ambledown Gap Cover has seven plans to choose from:

• • Ambledown Guardian Gap Cover
  • Ambledown Gap Plus Gap Cover
  • Ambledown Supreme Gap Cover
  • Ambledown Select Gap Cover
  • Ambledown LPE Advanced Gap Cover
  • Ambledown Gap 200 Gap Cover
  • Ambledown Gap 100 Gap Cover

         

Ambledown Gap Cover - 12 Key Point Quick Overview

1. ✅ Ambledown at a Glance
2. ✅ Ambledown Gap Cover – Advantages over Competitors
3. ✅ Ambledown Gap Cover Features
4. ✅ How to apply for Gap Cover with Ambledown
5. ✅ How can I change my Ambledown Gap Cover option?
6. ✅ How to Submit a Claim for Gap Cover with Ambledown
7. ✅ Ambledown Gap Cover Exclusions and Waiting Periods
8. ✅ Ambledown Gap Cover vs Other Notable Providers
9. ✅ Ambledown Gap Cover Pros and Cons
10. ✅ Ambledown User Reviews
11. ✅ Our Verdict on Ambledown Gap Cover
12. ✅ Ambledown Gap Cover Frequently Asked Questions

   

Ambledown at a Glance

   

Ambledown Gap Cover for Medical Aid - Advantages over Competitors

  💙The advantages of choosing Ambledown Gap Cover include, but are not limited to the following:

• ✅ Over and above the benefits of your medical insurance plan, this policy will pay up to R210,580 in hospital bills per year in medical expenses not covered by your health plan (depending on the plan chosen).
• ✅ Pays for co-pays for specific medical services.
• ✅ Offers benefits for medical evacuation in the event of an emergency.
• ✅ Provides a range of plans, including the Amble Gap Cover 100, Amble Gap Cover 200, Amble Gap Plus, Amble Gap Select, Amble Gap Supreme, and Amble Gap LPE, to meet a wide range of needs and budgets.
• ✅ After the first year of membership, pre-existing conditions are covered at no additional cost.
• ✅ Provides premium waiver benefits, which means the policyholder is not required to pay premiums if they are medically unable to work for more than 30 days due to an accident or illness.
• ✅ Provides members with access to expert medical opinions and advice from licensed medical professionals through its medical second opinion service.
• ✅ Permits must be submitted up to 180 days (or six months) after the first day of treatment.
• ✅ Provides a g-App for simple claim submission and tracking.
• ✅ Provides members with email and phone updates on the status of their claims.

  Finally, Ambledown Gap Cover offers a wide selection of optional extras like trauma counseling, motor hijack cover, internal prosthesis, and body repatriation.        

Ambledown Gap Cover Features

 

Ambledown Gap Cover 100 Plan

 

Ambledown Gap Cover 200

 

Ambledown GapPlus

 

Ambledown Gap Select

 

Ambledown Gap Supreme

 

Ambledown Gap LPE Advanced

 

Ambledown Guardian

 

💙READ more about the 5 Best Gap Cover Options for Under R3000

       

How to apply for Gap Cover with Ambledown

  💙Here is a step-by-step guide on how to submit claims to Ambledown Gap Cover:

• ✅ Obtain a claim form from the Ambledown website at www.ambledown.co.za.
• ✅ Fill out the claim form with all the required information.
• ✅ Gather all supporting documentation, such as medical bills and receipts, and attach them to the claim form.
• ✅ Submit the completed claim form and supporting documentation by email.
• ✅ Alternatively, download the g-App to submit and track your claim quickly and easily.
• ✅ Wait for Ambledown to assess your claim. A decision will be made within ten (10) working days from receipt of all the correct documents.
• ✅ If there are any unforeseen delays, Ambledown will communicate them and indicate the expected final decision date.

  Ambledown may use your email address and telephone number to inform you of the claim's progress.      

How can I change my Ambledown Gap Cover option?

  💙To change your Ambledown Gap Cover option, you will need to follow these steps:

• ✅ Contact Ambledown Financial Services via phone or email to request a change of plan.
• ✅ Provide your policy number and personal information for identification purposes.
• ✅ Request information on the plans available and which would best suit your needs.
• ✅ Complete the necessary application form for the new plan and submit it to Ambledown Financial Services.
• ✅ Await approval of your new plan and the effective date of the change.
• ✅ Ensure you know any waiting periods or exclusions that may apply to your new plan.

  Cancel your previous plan to avoid being charged for two plans simultaneously.   💙You might like the Top Gap cover plans with immediate gap cover        

How to Submit a Claim for Gap Cover with Ambledown

  💙To submit a claim for Gap Cover with Ambledown, follow these steps:

• ✅ Download the claim form from the Ambledown website or request it from Ambledown Financial Services.
• ✅ Complete the claim form fully, ensuring all required fields are filled in accurately.
• ✅ Collect and attach all supporting documentation, such as medical scheme remittance advice, hospital accounts, and accounts for in-hospital attending medical practitioners, as well as any receipts or other documentation required for your specific claim.
• ✅ Submit your claim form and supporting documentation to Ambledown Financial Services via email, fax, or post.
• ✅ Await assessment of your claim by Ambledown, which should take no longer than 10 working days from receipt of all the correct documents. Furthermore, you will be informed of unforeseen delays and indicate the expected final decision date.

  Payment will be made directly into your bank account if your claim is approved.        

Ambledown Gap Cover Exclusions and Waiting Periods

 

Ambledown Gap Cover Exclusions

Your Gap insurance will not cover any costs you incur immediately. For example, accounts related to depression, emotional matters, or mental illnesses are typically not covered by gap insurance. Rehabilitation for drugs or alcohol is typically not covered by a health gap plan unless specifically included in your PMB.  

Ambledown Gap Cover Waiting Periods

All applications for a new membership with Ambledown will be subject to a 3-month general waiting period.  This is unless the claims qualify as an accident in terms of the policy definition or if the client changes gap cover policies with similar benefits offered by different product providers within the same insurer (GICL). Additionally, a 12-month pre-existing clause will apply, excluding claims for any treatment received for a condition 12 months before the policy's inception. However, benefits will be payable once the membership is over 12 months, regardless of when the illness manifested, or the injury occurred. If a member upgrades their cover, the additional benefits obtained will be subject to a 3-month general waiting period and a 12-month pre-existing clause. However, the existing benefits enjoyed before the upgrade will not be subject to the waiting periods mentioned.        

Ambledown Gap Cover vs Other Notable Providers

       

Ambledown Gap Cover Pros and Cons

 

💙Read more about the 5 Best Hospital Plans for young children

     

Ambledown User Reviews

  Exceptional Support. The gap provider demonstrated exceptional support to clients during a difficult period, specifically regarding claims affected by the Constantia liquidation. - Catherine du Toit     Professional and Efficient. Ambledown Gap Cover proved professional and efficient when processing a childbirth-related claim, with payment made within 10 days. The service is recommended for those seeking reliable gap cover. - Tracy van Dyk     Excellent. Amble down Gap Cover displayed excellent service delivery when addressing an incorrect claim submission. The Claims Operations Executive Manager contacted the client, and the claim was professionally handled and paid out. Ambledown Gap Cover is recommended to handle and resolve claims effectively. - Thembi Thompson        

Our Verdict on Ambledown Gap Cover

Ambledown Gap Cover offers a comprehensive range of plans to cater to various needs and budgets, such as the Amble Gap Cover 100, Amble Gap Cover 200, Amble Gap Plus, Amble Gap Select, Amble Gap Supreme, and Amble Gap LPE. These plans cover in-hospital medical expenses exceeding medical scheme benefits, up to R210,580 per policy year. Ambledown Gap Cover also covers co-payments for certain medical procedures, provides emergency medical evacuation benefits, and offers premium waiver benefits. Additionally, Ambledown Gap Cover provides a comprehensive range of value-added benefits, such as trauma counseling, motor hijack cover, internal prosthesis, and body repatriation, depending on the plan chosen.  

💙Sharpen your knowledge with a better understanding of Medical Aid in SA

 

Ambledown Gap Cover Frequently Asked Questions

 

What is an Ambledown Gap Cover?

Ambledown Gap Cover is a form of insurance that covers medical expenses not fully covered by your medical aid.  

How does Ambledown Gap Cover work?

Ambledown Gap Cover covers the shortfall between what your medical aid pays and what your medical expenses cost.  

What does the Ambledown Gap Cover include?

The cover offered by Ambledown Gap Cover can vary depending on the plan you choose but typically includes things like in-hospital expenses, co-payments, and medical scheme shortfalls.  

How much does Ambledown Gap Cover cost?

Ambledown Gap Cover costs from R318 per month on the Guardian option.  

Can I customize my Ambledown Gap Cover plan?

Yes, Ambledown offers a variety of Gap Cover plans that you can customize based on your individual needs and budget.  

Do I need to have medical aid to qualify for Ambledown Gap Cover?

Yes, Ambledown Gap Cover is designed to work with your medical aid, so you must have a medical aid plan to be eligible for Gap Cover.  

How do I submit a claim for an Ambledown Gap Cover?

To submit a claim for Ambledown Gap Cover, you can download the claim form from their website or request it from Ambledown directly. Complete the form and attach any required supporting documentation before submitting via email, fax, or post.  

How long does it take for Ambledown to process a claim?

Ambledown aims to process claims within 10 working days of receiving all required documentation. However, this may vary depending on the complexity of your claim and any unforeseen delays.  

What is the waiting period for the Ambledown Gap Cover?

The waiting period for Ambledown Gap Cover is typically three months for new members, but this may vary depending on your specific plan.  

Does Ambledown Gap Cover have any exclusions?

Yes, Ambledown Gap Cover has some exclusions, which may vary depending on your chosen plan. It is important to review the policy documents carefully to understand what is and is not covered.