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Overall, Cura Administrators Gap Basic is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Cura Administrators Gap Basic Plan starts from R182 ZAR. Cura Administrators has a trust score of 4.2.
π Provider | π₯ Cura Administrators Gap Basic |
π₯ Years in Operation | 26 years |
π§ Underwriters | GENRIC Insurance Company Limited |
π¨ Market Share in South Africa | <5% |
π© Gap Cover Waiting Period | 3 β 12 months |
π¦ Do Exclusions Apply | β Yes |
πͺ Average Monthly Premium | R182 |
π₯ Oncology Benefit | None |
π§ In-Hospital Benefit | β Yes |
π¨ Out-of-Hospital Cover | None |
The Cura Administrators Gap Basic is one of seven plans that starts from R182 per month. Cura Administratorsβ Gap Basic has benefits for consumable shortfalls in the hospital, CT and MRI scans, casualties, PMBs, and more.
Cura Administrators Gap Cover has seven plans to choose from
π₯ Gap Basic | π© R182 per month for individuals <64 years |
π§ Gap Basic | π¦ R286 per month for families <64 years |
π¨ Gap Basic | πͺ R428 per month for individuals/families 65 years> |
π₯ Overall Annual Limit (OAL) per insured | Limited to R193,000 per insured person. |
π§ Gap Cover | Up to 500% for in-hospital procedures. |
π¨ Cover for Prescribed Minimum Benefits (PMBs) | Cover for PMBs. |
π© In-Hospital Co-payments/Deductibles (includes MRI and CT scans out-of-hospital) | Subject to the OAL. |
π¦ Casualty Benefits | Limited to R10,000 per family. |
πͺ Dental Procedures | Limited to R5,000 per policy per year. |
π₯ The shortfall in Consumables (In-hospital) | Limited to R4,000 per insured. |
Cura Administrators does not cover the following:
and more. A full list of Exclusions will be provided by Cura Administrators.
Cura Administrators impose a nine-month waiting period on claims related to pregnancy.
π Provider | π₯ Cura Administrators Gap Basic | π₯ Medway GapXtra | π₯ Agility Gap 500 |
π₯ Years in Operation | 26 years | 35 years | 18 years |
π§ Underwriters | GENRIC Insurance Company Limited | Guardrisk | GENRIC Insurance Company Ltd |
π¨ Market Share in South Africa | <5% | <1% | <1% |
π© Gap Cover Waiting Period | 3 β 12 months | 3 β 12 months | 3 β 12 months |
π¦ Do Exclusions Apply | β Yes | β Yes | β Yes |
πͺ Average Monthly Premium | R182 | R390 | R225 |
π₯ Oncology Benefit | None | None | β Yes |
π§ In-Hospital Benefit | β Yes | β Yes | β Yes |
π¨ Out-of-Hospital Cover | None | None | None |
π© Maternity Benefit | None | None | β Yes |
π¦ Scopes and Scans | β Yes | None | β Yes |
πͺ Co-payment Cover | β Yes | β Yes | β Yes |
π₯ Emergency Room | β Yes | β Yes | β Yes |
π§ Accidental Cover | None | None | None |
π¨ Trauma Counseling | None | None | β Yes |
π© Premium Waiver | None | None | β Yes |
π¦ Non-DSP Co-Payment | None | None | β Yes |
πͺ Prostheses | None | None | None |
π₯ Travel Cover Extender | None | None | None |
π§ Accidental Death/ Permanent Disability | None | None | None |
According to our research, Cura Administrators Gap Basic offers cover for in-hospital benefits, including co-payments, emergency room visits, and certain medical procedures such as scopes and scans.
However, it lacks cover for out-of-hospital treatments, oncology, maternity benefits, and accidental cover. The overall annual limit per insured person is capped at R193,000, and the plan covers prescribed minimum benefits.
Cura Administrators Gap Basic is one of the medical aid plans offered by Cura Administrators in South Africa. It provides cover for certain in-hospital procedures and co-payments.
The premiums for Cura Administrators Gap Basic in 2023 are R182 per month for individuals under 64 years, R286 per month for families under 64 years, and R428 per month for individuals or families aged 65 and above.
Cura Administrators Gap Basic covers in-hospital benefits, including co-payments and certain medical procedures. It also covers prescribed minimum benefits (PMBs) and provides a gap cover of up to 500% for in-hospital procedures.
Some exclusions of Cura Administrators Gap Basic include costs associated with certain conditions like nuclear radiation-related illnesses, suicide attempts, alcohol abuse, and injuries caused by non-mechanically propelled racing or speed tests.
Additionally, pre-existing conditions are not covered in the first year, and pregnancy and childbirth have a nine-month waiting period.
Generally, Cura Administrators impose a three-month waiting period before policyholders can file claims. In addition, there is a 12-month waiting period for pre-existing medical conditions and a nine-month waiting period for pregnancy-related claims.
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