Cura Administrators Gap Cover and Plans
Showing 7 of 7 plans
The Gap Student offers benefits including coverage for Prescribed Minimum Benefits (PMBs), in-hospital co-payments and deductibles, dental procedures, as well as casualties.
Cura Basic is an entry-level gap cover plan designed for individuals and families seeking affordable protection against shortfalls between medical scheme benefits and specialist charges. It provides essential gap cover with a selection of additional hospital-related benefits.
Cura Standard builds on the Basic plan by offering broader protection and higher benefit limits. It is suited to members who want more comprehensive cover for hospital admissions, co-payments, and unexpected medical expenses.
Mid-range gap cover designed for individuals and families, providing up to 400% medical scheme tariff cover for specialist shortfalls, approved co-payments, and a broad range of hospital-related benefits for added financial protection.
Cura Advanced Plus offers a higher level of cover than Advanced, with increased benefit limits and additional protection for specialist charges, co-payments, and other qualifying medical expenses. It suits members wanting more comprehensive healthcare funding support.
Cura Ultimate is the flagship gap cover plan, offering the highest level of protection across the Cura range. It provides the broadest benefits and highest limits for medical expense shortfalls, making it suitable for members seeking maximum financial protection alongside their medical scheme.
The Gap Ultimate Plus offers benefits such as trauma counseling, specialist consultations, coverage for oncology treatment and lump sums, consumable shortfalls, radiology and pathology services, and more.
Cura Administrators Gap Cover (πΏπ¦ 2026)
Overall, Cura Administrators Gap Cover is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. Cura Administrators Gap Cover starts from R200 ZAR. Cura Administrators has a trust score of 4.2.
Cura Administrators Gap Cover has seven plans to choose from
Cura Administrators Gap Cover Premiums
| π₯ Gap Student | R219 per month for insured persons 18 β 27 years. |
| π§ Gap Basic | R241 per month for individuals <64 years |
| π§ Gap Basic | R373 per month for families <64 years or individuals 65 years> |
| π§ Gap Basic | R564 per month for families 65 years> |
| π¨ Gap Standard | R379 per month for individuals <64 years |
| π¨ Gap Standard | R578 per month for families <64 years or individuals 65 years> |
| π¨ Gap Standard | R796 per month for families 65 years> |
| π© Gap Advanced | R524 per month for individuals <64 years |
| π© Gap Advanced | R612 per month for families <64 years or individuals 65 years> |
| π© Gap Advanced | R829 per month for families 65 years> |
| π¦ Gap Advanced Plus | R575 per month for individuals <64 years |
| π¦ Gap Advanced Plus | R674 per month for families <64 years or individuals 65 years> |
| π¦ Gap Advanced Plus | R931 per month for families 65 years> |
| πͺ Gap Ultimate | R742 per month for individuals <64 years |
| πͺ Gap Ultimate | R872 per month for families <64 years or individuals 65 years> |
| πͺ Gap Ultimate | R1,205 per month for families 65 years> |
| π₯ Gap Ultimate Plus | R818 per month for individuals <64 years |
| π₯ Gap Ultimate Plus | R987 per month for families <64 years or individuals 65 years> |
| π₯ Gap Ultimate Plus | R1,297 per month for families 65 years> |
Cura Administrators at a Glance
| π₯ Date Established | 1997 |
| π§ Underwriters | GENRIC Insurance Company Limited |
| π¨ Headquartered | Pretoria, Gauteng |
| π© The average number of members | 50,000+ |
| π¦ Number of Markets | 1 |
| πͺ Market Share | <5% |
| π₯ Number of plans offered | 7 |
| π§ Is a Mobile App offered | None |
| π¨ Social Media Platforms and Links | |
| π© Customer Support Operating Hours | Business Hours from Monday to Fridays |
| π¦ Waiting Period | 3 β 12 months |
| πͺ Exclusions | β Yes |
Cura Administrators Gap Cover for Medical Aid - Advantages over Competitors
Choosing Cura Administrators Gap Cover includes a long list of advantages. This includes:
- Provides financial assistance for medical expenses that are not covered by medical aid plans
- Offers gap cover for both in-hospital and out-patient medical treatments
- Offers multiple plan options to suit different needs and budgets
- Offers cover for both elective and emergency procedures
- Covers co-payments, deductibles, and other medical expenses not covered by medical aids
- Offers cover for specialist consultations, radiology, and pathology
- Offers international travel insurance cover
- Provides a lump sum benefit in the event of death or permanent disability
- Offers cover pre-existing conditions after a waiting period
- Offers a seamless claims process through their online portal
- Provides excellent customer service and support
- Offers discounts for family and group plans
Finally, Cura Administrators Gap Cover offers a student-specific plan designed to suit the needs of students.
Cura Administrators Gap Cover Features
Cura Administrators Gap Student
| π₯ Overall Annual Limit (OAL) per insured | Limited to R223,000 per insured person. |
| π§ Gap Cover | Up to 400% for in-hospital procedures. |
| π¨ Cover for Prescribed Minimum Benefits (PMBs) | Subject to OAL (in-hospital only). |
| π© In-Hospital Co-payments/Deductibles (includes MRI and CT scans out-of-hospital) | R15 000 per claim, subject to OAL. |
| π¦ Casualty Benefits | R7 500 per claim, Limited to R15 000 per policy per year. |
| πͺ Ambulance Services | R2 000 per claim. |
Cura Administrators Gap Basic
| π₯ Overall Annual Limit (OAL) per insured | Limited to R223 000 per insured person. |
| π§ Gap Cover | Up to 400% for in-hospital procedures. |
| π¨ Cover for Prescribed Minimum Benefits (PMBs) | Subject to OAL (in-hospital only). |
| π© In-Hospital Co-payments/Deductibles (includes MRI and CT scans out-of-hospital) | R20 000 per Incident, subject to OAL. |
| π¦ Casualty Benefits | Up to R7 500 per claim. Limited to R15 000 per policy per year. |
| πͺ Hospital accounts Shortfalls in the rooms | R5 500 per insured per year. |
| π₯ Trauma Counselling | R10 000 per policy. |
Cura Administrators Gap Standard
| π₯ Overall Annual Limit (OAL) per insured | Limited to R223,000 per insured person. |
| π§ Gap Cover | Up to 400%. |
| π¨ Cover for Prescribed Minimum Benefits (PMBs) | Subject to OAL (in-hospital only). |
| π© In-Hospital Co-payments/Deductibles (includes MRI and CT scans out-of-hospital) | R20 000 per Incident, subject to OAL. |
| π¦ Casualty Benefits | R5 000 per claim. Limited to R10 000 per policy per year |
| πͺ Shortfall on Consumables (In-hospital) | Limited to R4,000 per insured. |
| π₯ Trauma Counselling | Limited to R10,000 per policy. |
Cura Administrators Gap Advanced
| π₯ Overall Annual Limit (OAL) per insured | Limited to R223, 000 per insured person. |
| π§ Gap Cover | Up to 400%. |
| π¨ Cover for Prescribed Minimum Benefits (PMBs) | Subject to OAL (in-hospital only) |
| π© In-Hospital Co-payments/Deductibles (includes MRI and CT scans out-of-hospital) | R30 000 per claim, subject to OAL |
| π¦ Use of Non-DSP Hospital (Penalty Co-Payment) | per claim - 2 claims per policy. |
| πͺ Sub-Limitations | Limited to R15,000 per policy. |
| π₯ Internal Prostheses | Included in Sub-Limit. Limited to R7 500 per claim, |
| π§ Sub-limitation of Intra-ocular Lenses | Limited to R9,000 per lens per year. |
| π¨ Combined Capped Amount for Radiology and Pathology | Up to R3 000 per claim. Limited to R10 000 per policy per annum. |
| π© Oncology Benefit: Approved treatment after the oncology limit (Excess R200 000) have been reached including co-payments on term such as biological medicaοΏ½on, radiotherapy, chemotherapy, and PET scans, per treatment cycle. | Limited to R80 000 per insured per annum. |
| π₯ Benefit due to a Mastectomy on the unaffected breast - 1 event per person, per lifetime (subject to qualifying criteria) if there is a short payment or ex-gratia benefit given by the medical scheme: (Internal Prostheses included) | Included in Sub-Limit. Limited to R10 000 per claim. |
| π¦ Casualty Benefit | Up to R5 000 per claim. Limited to R10 000 per policy per annum. |
| πͺ Trauma Counselling | Limited to R10,000 per policy. |
| π₯ International Medical Travel Cover | Limited to R5 million per insured, up to 90 days per trip. |
| π§ 12-Month Medical Scheme Premium Waiver | Limited to a maximum of R5,500 per month. |
| π¨ Gap Premium Waiver | Covered for up to 3 months. |
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Cura Administrators Gap Advanced Plus
| π₯ Overall Annual Limit (OAL) per insured | Limited to R223,000 per insured person. |
| π§ Gap Cover | Up to 500%.Β |
| π¨ Cover for Prescribed Minimum Benefits (PMBs) | Subject to OAL (in-hospital only). |
| π© In-Hospital Co-payments/Deductibles (includes MRI and CT scans out-of-hospital) | R100 000 per claim, subject to OAL. |
| π¦ Use of Non-DSP Hospital (Penalty Co-Payment) | R13 000 per claim - 2 Claims per policy. |
| πͺ Sub-Limitations | Limited to R35,000 per policy. |
| π₯ Internal Prosthesis | Included in R35 000. Limited to R10 000 per claim. |
| π§ Sub-limitation of Intra-ocular Lenses | Limited to R9,000 per lens per year. |
| π¨ Combined Capped Amount for Radiology and Pathology | Up to R5 000 per claim. Limited to R15 000 per policy per annum. |
| π© Specialist Consultations | Limited to R500 per claim and up to a maximum of 2 claims per policy per year. |
| π¦ Dental procedures | Up to 500% |
| πͺ Shortfall on Consumables | Limited to R6,000 per insured. |
| π₯ Casualty Benefit | Up to R7 500 per claim. Limited to R15 000 per policy per year. |
| π§ Trauma Counselling | Limited to R10,000 per policy. |
| π¨ External Prosthesis | R3 000 per policy. |
| π© Premature Birth Lump Sum Benefit | Limited to R2,500 per policy. |
| π¦ International Medical Travel Cover | Limited to R5 million per insured, up to 90 days per trip. |
| πͺ 12-Month Medical Scheme Premium Waiver | Limited to a maximum of R5,000 per month. |
| π₯ Gap Premium Waiver | 12 months. |
Cura Administrators Gap Ultimate
| π₯ Overall Annual Limit (OAL) per insured | Limited to R223,000 per insured person. |
| π§ Gap Cover | Up to 500% |
| π¨ Cover for Prescribed Minimum Benefits (PMBs) | Subject to OAL (in-hospital only). |
| π© In-Hospital Co-payments/Deductibles (includes MRI and CT scans out-of-hospital) | Up to R223 000 per claim, subject to OAL. |
| π¦ Use of Non-DSP Hospital (Penalty Co-Payment) | R15 000 per claim - 2 Claims per policy. |
| πͺ Sub-Limitations | Limited to R70,000 per policy. |
| π₯ Internal Prostheses | Included in Sub-limit. Limited to R20 000 per claim. |
| π§ Sub-limitation of Intra-ocular Lenses | Limited to R9,000 per lens per year. |
| π¨ External Prosthesis | R4,000 per claim. |
| π© Combined Capped Amount for Radiology and Pathology | Up to R10 000 per claim. Limited to R20 000 per policy per year. |
| π¦ Oncology Treatment (after the medical scheme oncology limit has been reached) | Up to R200 000 per insured per year. |
| πͺ Specialist Consultations | R600.00 per claim. Maximum 3 claims per policy per year. |
| π₯ Dental Procedures | Up to 500% |
| π§ Shortfall on Consumables | Limited to R6,500 per insured. |
| π¨ Casualty Benefit | Up to R10 000 per claim. Limited to R20 000 per policy per year. |
| π© Trauma Counselling | Limited to R10,000 per insured. |
| π¦Β Private Room Cover | Limited to R10 000 per policy per annum. |
| πͺ Cancer Lump Sum Benefit | Once-off payment of R25,000 per insured. |
| π₯ Accidental Death Benefit | Limited to R15,000 per insured. |
| π§ Premature Birth Lump Sum Benefit | Limited to R3,000 per policy. |
| π¨ International Medical Travel Cover | Limited to R5 million per insured, up to 90 days per trip. |
| π© 12-Month Medical Scheme Premium Waiver | Maximum R10 000 per month. |
| π¦ Gap Premium Waiver | 12 months. |
Cura Administrators Gap Ultimate Plus
| π₯ Overall Annual Limit (OAL) per insured | Limited to R223,000 per insured person. |
| π§ Gap Cover | Up to 600% |
| π¨ Cover for Prescribed Minimum Benefits (PMBs) | Subject to OAL (in-hospital only) |
| π© In-Hospital Co-payments/Deductibles (includes MRI and CT scans out-of-hospital) | Subject to the OAL. |
| π¦ Use of Non-DSP Hospital (Penalty Co-Payment) | R18 000 per claim - 2 Claims per policy. |
| πͺ Sub-Limitations | R80 000 per policy per year. |
| π₯ Internal Prostheses | Included in Sub-limit. Limited to R40 000 per claim. |
| π§ Sub-limitation of Intra-ocular Lenses | Limited to R9,000 per lens per year. |
| π¨ External Prosthesis | R5,000 per claim. |
| π© Combined Capped Amount for Radiology and Pathology | Up to R12 000 per claim. Limited to R25 000 per policy per year. |
| π¦ Oncology Treatment (after the medical scheme oncology limit has been reached) | Limited to the OAL. |
| πͺ Specialist Consultations | Limited to R600 per claim and up to a maximum of 4 claims per policy per year. |
| π₯ Dental Procedures | Up to 600% |
| π§ Shortfall on Consumables | Limited to R7,000 per insured. |
| π¨ Casualty Benefit | Up to R10 000 per claim. Limited to R20 000 per policy per year. |
| π© Trauma Counselling | Limited to R10,000 per insured. |
| π¦ Ambulance Service | R2 000 per claim. |
| πͺ Cancer Lump Sum Benefit | Once-Off R35 000 / insured per lifetime. |
| π₯ Accidental Death Benefit | Limited to R20,000 per insured. |
| π§ Premature Birth Lump Sum Benefit | Limited to R3,000 per policy. |
| π¨ International Medical Travel Cover | Limited to R5 million per insured, up to 90 days per trip. |
| π© 12-Month Medical Scheme Premium Waiver | Maximum R10 000 per month. |
| π¦ Gap Premium Waiver | 12 months. |
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How to apply for Gap Cover with Cura Administrators
To apply for Gap Cover with Cura Administrators, follow these steps:
- Visit the Cura Administrators' website (www.curaadmin.co.za) and select the "Gap Cover" option from the menu.
- Browse through the various gap cover options and select the one that best suits your needs and budget.
- Click the "Apply Now" button for your chosen plan and complete the online application form.
- Alternatively, you can contact Cura Administrators via phone, email, or online chat to discuss your options and receive guidance on the application process.
- Provide all the necessary personal and medical information required for the application.
- Once you submit your application, Cura Administrators will review it and provide a quote.
- If you are satisfied with the quote, you can proceed with payment, and your cover will be activated.
- Cura Administrators will provide you with your policy document and all relevant information regarding your cover.
You can manage your Gap Cover policy online via the Cura Administrators portal, where you can submit claims and view your policy details.
How can I change my Cura Administrators' Gap Cover option?
To change your Cura Administrators Gap Cover option, you can follow these steps:
- Log in to your Cura Administrators account on their website.
- Click the "My Policies" tab to view your current policy details.
- Locate the option to "Amend Policy" or "Change Plan" and click on it.
- Select the new Gap Cover option you wish to change to and click "Save Changes".
- Review the new policy details and premiums to ensure they meet your requirements.
- Proceed with payment for the updated policy if necessary.
- Your new policy will take effect immediately, and you will receive a new policy document reflecting the changes.
Alternatively, you can contact Cura Administrators via phone, email, or online chat to discuss your options and receive guidance on changing your Gap Cover policy.
How to Submit a Claim for Gap Cover with Cura Administrators
To submit a claim for Gap Cover with Cura Administrators, follow these steps:
- Download and complete the Gap Cover claim form from the Cura Administrators' website or request it from their customer service team.
- Provide all the necessary information and documentation to support your claim, including invoices, receipts, and medical reports.
- Submit the completed claim form and supporting documents to Cura Administrators by email, fax, or post.
- Alternatively, you can submit your claim online via the Cura Administrators portal.
- Cura Administrators will review your claim and provide feedback on the outcome.
- If your claim is approved, Cura Administrators will pay out the claim amount to you or directly to the healthcare provider, depending on the type of claim.
If your claim is rejected, Cura Administrators will provide reasons for the rejection and advise you on any recourse options available.
Cura Administrators Gap Cover Exclusions and Waiting Periods
Cura Administrators does not cover the following:
- Costs for hospitalization, injury, sickness, or related diseases caused by nuclear radiation or fallout, suicide, attempted suicide, drug addiction, blood alcohol level exceeding the legal limit, or alcohol abuse.
- The Casualty Unit Benefit covers emergency medical treatment or surgery not covered by the Medical Scheme, determined by diagnosis and emergency triage index.
- The Dental Procedures sub-limit covers emergency medical treatment or surgery due to accidental impact resulting in severe physical injury or cancer once all Medical Scheme savings benefits are depleted.
- Participation in active military or police duty, civil commotion, labor disturbances, riots, strikes, aviation (excluding commercial pilots), and any form of non-foot or non-mechanically propelled racing or speed test are excluded from cover.
- Any procedure not covered or declined by the Medical Scheme is also excluded.
- Pre-existing conditions are not covered for the first 12 months of coverage.
- Pregnancy or childbirth is not covered for the first 9 months of the policy.
- Treatments for artificial insemination, hormone treatment for infertility, depression, insanity, mental stress, and psychotic or psychoneurotic disorders are excluded from the cover.
Furthermore, Fraudulent claim submissions will not be covered.
Cura Administrators Gap Cover Waiting Periods
- Cura Administrators enforce a general waiting period of 3 months before policyholders can make claims.
- For pre-existing medical conditions, a waiting period of 12 months is applied before policyholders can make related claims.
Cura Administrators impose a waiting period of 9 months on pregnancy-related claims.
Cura Administrators Gap Cover vs Other Notable Providers
| π Gap Cover Provider | π₯ Cura Administrators | π₯ Zestlife | π₯ Universal Health |
| π₯ Number of Plans | 7 | 3 | 2 |
| π§ Average Price | R200 | R253 | R244.89 |
| π¨ Waiting Periods | 3 β 12 months | 3 β 12 months | 12 months |
| π© Exclusions | β Yes | β Yes | β Yes |
| π¦ Oncology Benefit | β Yes | β Yes | β Yes |
| πͺ In-Hospital Benefit | β Yes | β Yes | β Yes |
| π₯ Out-of-Hospital Cover | β Yes | β Yes | β Yes |
| π§ Maternity Benefit | None | None | β Yes |
| π¨ Scopes and Scans | β Yes | β Yes | None |
| π© Co-payment Cover | β Yes | β Yes | β Yes |
| π¦ Emergency Room | β Yes | β Yes | β Yes |
| πͺ Accidental Cover | β Yes | β Yes | β Yes |
| π₯ Trauma Counseling | β Yes | β Yes | β Yes |
| π§ Premium Waiver | β Yes | β Yes | β Yes |
| π¨ Non-DSP Co-Payment | β Yes | β Yes | β Yes |
| π© Prostheses | β Yes | β Yes | β Yes |
| π¦ Accidental Death/ Permanent Disability | β Yes | β Yes | None |
| πͺ Travel Cover Extender | β Yes | None | β Yes |
Cura Administrators Gap Cover Pros and Cons
| β Pros | β Cons |
| Provides financial assistance for medical expenses | Waiting period for pre-existing conditions |
| Offers multiple plan options to suit different needs | Exclusions and limitations on certain treatments |
| Covers both in-hospital and out-patient medical treatments | Limited cover for certain medical expenses |
| Covers co-payments, deductibles, and other medical expenses | It may not cover the full cost of medical treatments |
| Offers cover for specialist consultations, radiology, and pathology | Monthly premiums can be expensive compared to other gap cover providers |
| Offers international travel insurance cover | Some plans may have limits on the amount that can be claimed for specific treatments or procedures |
| Provides a lump sum benefit in the event of death or permanent disability | Claims may be rejected for not meeting certain criteria or for missing information |
Our Verdict on Cura Administrators Gap Cover
Cura Administrators Gap Cover offers a range of options to suit different needs and budgets, providing financial assistance for medical expenses not covered by medical aid plans. Their gap cover plans cover both in-hospital and out-patient medical treatments and co-payments, deductibles, and other medical expenses not covered by medical aids. Cura Administrators also offers cover for specialist consultations, radiology, and pathology, as well as international travel insurance coverage.
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Cura Administrators Gap Cover Frequently Asked Questions
What is Cura Administrators Gap Cover?
Cura Administrators Gap Cover is a supplementary insurance policy covering medical expenses not covered by your medical aid plan.
What does Cura Administrators Gap Cover include?
Cura Administrators' Gap Cover includes cover for in-hospital and out-patient medical treatments, co-payments, deductibles, specialist consultations, radiology, pathology, and international travel insurance cover.
How does Cura Administrator's Gap Cover work?
Cura Administrators Gap Cover pays the difference between what your medical aid covers and the actual cost of your medical treatment.
Can I get Cura Administrators Gap Cover if I do not have medical aid?
No, you need a medical aid plan to qualify for Cura Administrators Gap Cover.
Are there any exclusions or limitations on Cura Administrators Gap Cover?
Yes, there are exclusions and limitations on certain medical treatments and expenses. You should carefully review the policy document for details.
How do I claim with Cura Administrators Gap Cover?
You can claim by downloading and completing the form from the Cura Administrators' website or submitting your claim online via their portal.
How long does processing a claim with Cura Administrators Gap Cover take?
The time it takes to process a claim with Cura Administrators Gap Cover depends on the complexity of the claim and the completeness of the documentation provided.
What are the policy options available with Cura Administrators Gap Cover?
Cura Administrators Gap Cover offers several policy options: Basic, Standard, Advanced, Student, Advanced Plus, Ultimate, and Ultimate Plus.
Can I change my Cura Administrators' Gap Cover policy?
Yes, you can change your policy by contacting Cura Administrators' customer service and following their process.
How much does Cura Administrators Gap Cover cost?
The cost of Cura Administrators Gap Cover depends on the family dynamic (individual or family), the age of insured persons, and the option you choose, starting from R200 per month.
Are there any discounts available for Cura Administrators Gap Cover?
Yes, Cura Administrators Gap Cover offers discounts for family and group plans.
