The Best Medical Aids
The Best Hospital Plans
Overall, Ambledown Gap Cover 100 is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Ambledown Gap Cover 100 Plan starts from R422 ZAR. Ambledown has a trust score of 5.1.
๐ Provider | ๐ฅ Ambledown Gap Cover 100 |
๐ฅ Years in Operation | 19 years |
๐ง Underwriters | Guardrisk Insurance Company Limited |
๐จ Market Share in South Africa | 20% |
๐ฉ Gap Cover Waiting Period | 3 โ 12 months |
๐ฆ Do Exclusions Apply | โ Yes |
๐ช Average Monthly Premium | R422 |
๐ฅ Oncology Benefit | โ Yes |
๐ง In-Hospital Benefit | โ Yes |
๐จ Out-of-Hospital Cover | โ Yes |
๐ฉ Maternity Benefit | None |
๐ฆ Scopes and Scans | None |
๐ช Co-payment Cover | None |
๐ฅ Emergency Room | โ Yes |
๐ง Accidental Cover | โ Yes |
๐จ Trauma Counseling | None |
๐ฉ Premium Waiver | None |
๐ฆ Non-DSP Co-Payment | None |
๐ช Prostheses | None |
๐ฅ Travel Cover Extender | None |
๐ง Accidental Death/ Permanent Disability | None |
The Ambledown Gap Cover 100 is one of seven plans that starts from R422 per month. Ambledownโs Gap Cover 100 has benefits for casualties, hospital services, ER24 emergency services, mental health assessments, and more.
Ambledown offers 24/7 medical emergency assistance.
Ambledown Gap Cover has seven plans to choose from:
๐ Ambledown Plan | ๐ ฐ๏ธ The premium for members 18 โ 65 | ๐ ฑ๏ธ The premium for Members 66 years> |
โช๏ธ Gap Cover 100 | R422 | R639 |
๐ฅ Gap Cover 100 | Gap Cover covers hospital services, listed outpatient procedures, cancer chemotherapy and radiotherapy, and kidney dialysis above the medical scheme tariff. Gap Cover 100 provides 600% coverage. Limited to R185,837 per year. |
๐ง Casualty Ward Benefit | Limited to R10,000 per event. Casualty ward benefit covers the cost of a medical or surgical procedure after an emergency in a hospital casualty unit where the medical scheme did not cover such costs. |
๐จ ER24 Virtual Support | 24/7 medical advice and support, ER24 emergency service, Mental Health self-assessment, and Lifestyle self-assessment screening. |
๐ฉ Boston Online Home Education | Boston Online Home Education can help your familyโs Social Emotional Learning (SEL) and High School Learning. Social Emotional Learning (SEL) Online Caps support for Grades 10-12 Cambridge International Curriculum discount Career Counseling |
Regarding mental health, accounts related to depression, emotional matters, or mental illnesses are typically not covered by Ambledownโs Gap insurance. This means that expenses related to therapy sessions, counseling, or treatment for such conditions would not be eligible for coverage.
Similarly, rehabilitation for drugs or alcohol is generally not covered by a standard health gap plan offered by Ambledown unless it is specifically included in your Prescribed Minimum Benefits (PMB). PMB refers to the minimum level of care that health insurers are legally required to cover.
If your policy includes drug or alcohol rehabilitation as part of the PMB, you may be eligible for cover in those circumstances.
Ambledown applies the following waiting periods:
Membership Application:
Exceptions to Waiting Period:
Pre-existing Clause:
Upgrade of Cover:
However, the existing benefits enjoyed before the upgrade will not be subject to the waiting periods mentioned.
๐ Provider | ๐ฅ Ambledown Gap Cover 100 | ๐ฅ Liberty Essential Gap Cover | ๐ฅ Sanlam Gap Cover |
๐ฅ Years in Operation | 19 years | 66 years | 9 years |
๐ง Underwriters | Guardrisk Insurance Company Limited | Guardrisk Life Limited (FSP 76) | Centriq Insurance Company Limited |
๐จ Market Share in South Africa | 20% | >25% | <10% |
๐ฉ Gap Cover Waiting Period | 3 โ 12 months | 12 months | 3 โ 12 months |
๐ฆ Do Exclusions Apply | โ Yes | โ Yes | โ Yes |
๐ช Average Monthly Premium | R422 | R372 | R262 |
๐ฅ Oncology Benefit | โ Yes | None | โ Yes |
๐ง In-Hospital Benefit | โ Yes | โ Yes | โ Yes |
๐จ Out-of-Hospital Cover | โ Yes | None | โ Yes |
๐ฉ Maternity Benefit | None | None | None |
๐ฆ Scopes and Scans | None | โ Yes | None |
๐ช Co-payment Cover | None | None | โ Yes |
๐ฅ Emergency Room | โ Yes | โ Yes | โ Yes |
๐ง Accidental Cover | โ Yes | โ Yes | โ Yes |
๐จ Trauma Counseling | None | โ Yes | None |
๐ฉ Premium Waiver | None | โ Yes | โ Yes |
๐ฆ Non-DSP Co-Payment | None | None | โ Yes |
๐ช Prostheses | None | None | None |
๐ฅ Travel Cover Extender | None | None | None |
๐ง Accidental Death/ Permanent Disability | None | โ Yes | โ Yes |
In our experience, Ambledown Gap Cover 100 is a comprehensive and competitive plan. With a 19-year track record and underwritten by Guardrisk Insurance Company Limited, Ambledown has established itself as a trusted player in the market.
The plan provides various benefits, including cover for hospital services, outpatient procedures, cancer treatments, and emergency room services. In addition, it offers additional features like 24/7 medical advice, mental health assessments, and lifestyle screening.
It is important to note that Ambledown Gap Cover 100 does have some exclusions, such as mental health-related expenses and rehabilitation for drugs or alcohol unless included in the Prescribed Minimum Benefits (PMB).
Ambledown Gap Cover 100 offers comprehensive coverage for hospital services, outpatient procedures, chemotherapy, radiotherapy, kidney dialysis, and emergency room treatments. It provides 600% cover with a limit of R185,837 per year.
Yes, Ambledown Gap Cover 100 has exclusions for mental health-related expenses and rehabilitation for drugs or alcohol unless included in the Prescribed Minimum Benefits (PMB). In addition, waiting periods apply, including a 3-month general waiting period for new memberships.
The average monthly premium for Ambledown Gap Cover 100 is R422. It is recommended to compare premiums with other gap cover providers to make an informed decision based on your budget and cover needs.
Ambledown Gap Cover 100 and Liberty Essential Gap Cover have different benefits and cover options. Therefore, we advise South Africans to compare both plansโ specific features, waiting periods, exclusions, and premiums to determine which aligns better with your requirements.
Ambledown holds approximately 20% of the market share in South Africa, indicating its popularity among consumers.ย However, market share alone should not be the sole factor in decision-making; it is important to consider the planโs features and suitability for your needs.
We work with leading medical aid companies in South Africa.
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