Gap Advanced
About this plan
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.
Monthly premium
From
R524
per month
What's covered
Hospital cover
Savings account
Day-to-day
Chronic cover
Dental
Optical
Maternity
Mental health
Waiting periods
- General
- 3 months
- Pre-existing conditions
- 12 months
Gap Advanced
Cura Administrators Gap Advanced (🇿🇦 2025)
Overall, Cura Administrators Gap Advanced is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Cura Administrators Gap Advanced Plan starts from R480 ZAR. Cura Administrators has a trust score of 4.2.| 🔎 Provider | 🥇 Cura Administrators Gap Advanced |
| 🟥 Years in Operation | 28 years |
| 🟧 Underwriters | GENRIC Insurance Company Limited |
| 🟨 Market Share in South Africa | <5% |
| 🟩 Gap Cover Waiting Period | 3 – 12 months |
| 🟦 Do Exclusions Apply | Yes |
| 🟪 Average Monthly Premium | R480 |
| 🟥 Oncology Benefit | ✅ Yes |
| 🟧 In-Hospital Benefit | ✅ Yes |
| 🟨 Out-of-Hospital Cover | None |
Cura Administrators Gap Advanced - 7 Key Point Quick Overview
- ✅ Cura Administrators Gap Advanced Overview
- ✅ Cura Administrators Gap Advanced Premiums
- ✅ Cura Administrators Gap Advanced Benefits and Cover Breakdown
- ✅ Cura Administrators Gap Advanced Exclusions and Waiting Periods
- ✅ Cura Administrators Gap Advanced vs Other Gap Cover Plans
- ✅ Our Verdict on Cura Administrators Gap Advanced
- ✅ Cura Administrators Gap Advanced Frequently Asked Questions
Cura Administrators Gap Advanced Overview
The Cura Administrators Gap Advanced is one of seven plans that starts from R480 per month. Cura Administrators’ Gap Advanced has benefits for sub-limits, non-DSP hospital admissions, radiology, pathology, oncology, consumables, and more. Cura Administrators Gap Cover has seven plans to choose from
Cura Administrators Gap Advanced Premiums
| 🟥 Gap Advanced | 🟩 R480 per month for individuals <64 years |
| 🟧 Gap Advanced | 🟦 R561 per month for families <64 years |
| 🟨 Gap Advanced | 🟪 R760 per month for individuals/families 65 years> |
Cura Administrators Gap Advanced Benefits and Cover Breakdown
| 🟥 Overall Annual Limit (OAL) per insured | Limited to R210 580 per insured person. |
| 🟧 Gap Cover | Up to 500% for in-hospital procedures. |
| 🟨 Cover for Prescribed Minimum Benefits (PMBs) | Cover for PMBs. |
| 🟩 In-Hospital Co-payments/Deductibles (includes MRI and CT scans out-of-hospital) | Subject to the OAL R210,580 |
| 🟦 Use of Non-DSP Hospital (Penalty Co-Payment) | Limited to R8,000 per family. |
| 🟪 Sub-Limitations | Limited to R15,000 per family. |
| 🟥 Internal Prostheses | Included in the R15,000 sub-limit. |
| 🟧 Sub-limitation of Intra-ocular Lenses | Limited to R9,000 per lens per year. |
| 🟨 Combined Capped Amount for Radiology and Pathology | Limited to R10,000 per family. |
| 🟩 Oncology Treatment (after the medical scheme oncology limit has been reached) | Includes payments for biological drugs, radiotherapy, and chemotherapy. Limited to R100,000 per insured per treatment cycle. |
| 🟦 Shortfall on Consumables | Limited to R5,500 per insured. |
| 🟪 Casualty Benefit | Limited to R10,000 per family. |
| 🟥 Trauma Counselling | Limited to R10,000 per family. |
| 🟧 International Medical Travel Cover | Limited to R5 million per insured, up to 90 days per trip. |
| 🟨 12-Month Medical Scheme Premium Waiver | Limited to a maximum of R5,500 per month. |
| 🟩 Gap Premium Waiver | Covered for up to 3 months. |
Cura Administrators Gap Advanced Exclusions and Waiting Periods
Gap Advanced Exclusions
💙Cura Administrators does not cover the following:- ✅ Any procedure not covered by the Medical Scheme or denied by it is also excluded.
- ✅ In the first year of coverage, pre-existing conditions are not covered.
- ✅ Pregnancy and childbirth are not covered during the first nine months of coverage.
- ✅ Fraudulent claim submissions will not be covered.
Gap Advanced Waiting Periods
- ✅ Cura Administrators generally impose a three-month waiting period before policyholders can file claims.
- ✅ There is a 12-month waiting period for pre-existing medical conditions before policyholders can file claims.
Cura Administrators Gap Advanced vs Other Gap Cover Plans
| 🔎 Provider | 🥇 Cura Administrators Gap Advanced | 🥈 Liberty Universal Gap Cover | 🥉 Elixi Executive Single Plus |
| 🟥 Years in Operation | 28 years | 68 years | 8 years |
| 🟧 Underwriters | GENRIC Insurance Company Limited | Guardrisk Life Limited (FSP 76) | Unity Health |
| 🟨 Market Share in South Africa | <5% | >25% | <5% |
| 🟩 Gap Cover Waiting Period | 3 – 12 months | 12 months | 3 – 12 months |
| 🟦 Do Exclusions Apply | Yes | Yes | Yes |
| 🟪 Average Monthly Premium | R480 | R537 | R453 |
| 🟥 Oncology Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟧 In-Hospital Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟨 Out-of-Hospital Cover | None | ✅ Yes | None |
| 🟩 Maternity Benefit | None | None | None |
| 🟦 Scopes and Scans | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟪 Co-payment Cover | None | ✅ Yes | ✅ Yes |
| 🟥 Emergency Room | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟧 Accidental Cover | None | ✅ Yes | None |
| 🟨 Trauma Counseling | ✅ Yes | ✅ Yes | None |
| 🟩 Premium Waiver | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟦 Non-DSP Co-Payment | ✅ Yes | ✅ Yes | None |
| 🟪 Prostheses | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟥 Travel Cover Extender | ✅ Yes | None | None |
| 🟧 Accidental Death/ Permanent Disability | None | ✅ Yes | ✅ Yes |
