Gap Student
About this plan
The Gap Student offers benefits including coverage for Prescribed Minimum Benefits (PMBs), in-hospital co-payments and deductibles, dental procedures, as well as casualties.
Monthly premium
From
R219
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 Student
Cura Administrators Gap Student (🇿🇦 2025)
Overall, Cura Administrators Gap Student is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Cura Administrators Gap Student Plan starts from R200 ZAR. Cura Administrators has a trust score of 4.2.| 🔎 Provider | 🥇 Cura Administrators Gap Student |
| 🟥 Years in Operation | 26 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 | R200 |
| 🟥 Oncology Benefit | None |
| 🟧 In-Hospital Benefit | ✅ Yes |
| 🟨 Out-of-Hospital Cover | None |
Cura Administrators Gap Student - 7 Key Point Quick Overview
- ✅ Cura Administrators Gap Student Overview
- ✅ Cura Administrators Gap Student Premiums
- ✅ Cura Administrators Gap Student Benefits and Cover Breakdown
- ✅ Cura Administrators Gap Student Exclusions and Waiting Periods
- ✅ Cura Administrators Gap Student vs Other Gap Cover Plans
- ✅ Our Verdict on Cura Administrators Gap Student
- ✅ Cura Administrators Gap Student Frequently Asked Questions
Cura Administrators Gap Student Overview
The Cura Administrators Gap Student is one of seven plans that starts from R200 per month. Cura Administrators’ Gap Student has benefits for Prescribed Minimum Benefits (PMB), in-hospital co-payments and deductibles, dental procedures, and casualties. Cura Administrators Gap Cover has seven plans to choose from
Cura Administrators Gap Student Premiums
- ✅ R200 per month for insured persons 18 – 26 years.
Cura Administrators Gap Student Benefits and Cover Breakdown
| 🟥 Overall Annual Limit (OAL) per insured | Limited to R210 580 per insured person. |
| 🟧 Gap Cover | Up to 400% 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) | R15 000 per Incident, subject to OAL |
| 🟦 Casualty Benefits | Limited to R15,000 per policy. |
| 🟪 Dental trauma benefit | Limited to R3,000 per policy per year. |
Cura Administrators Gap Student Exclusions and Waiting Periods
Gap Student 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 Student 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.
💙Read more about 5 Best Medical Aids for Learners
Cura Administrators Gap Student vs Other Gap Cover Plans
| 🔎 Provider | 🥇 Cura Administrators Gap Student | 🥈 Auto & General Essential Gap Cover | 🥉 Bonitas MedGap Student Plan |
| 🟥 Years in Operation | 26 years | 38 years | 41 years |
| 🟧 Underwriters | GENRIC Insurance Company Limited | 1Life Insurance Limited | Centriq Insurance Company Limited |
| 🟨 Market Share in South Africa | <5% | <5% | 5%> |
| 🟩 Gap Cover Waiting Period | 3 – 12 months | 3 – 12 months | 3 – 12 months |
| 🟦 Do Exclusions Apply | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟪 Average Monthly Premium | R200 | R99 | R146 |
| 🟥 Oncology Benefit | None | ✅ Yes | None |
| 🟧 In-Hospital Benefit | ✅ Yes | ✅ Yes | None |
| 🟨 Out-of-Hospital Cover | None | ✅ Yes | None |
| 🟩 Maternity Benefit | None | None | None |
| 🟦 Scopes and Scans | ✅ Yes | None | None |
| 🟪 Co-payment Cover | ✅ Yes | None | ✅ Yes |
| 🟥 Emergency Room | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟧 Accidental Cover | None | None | None |
| 🟨 Trauma Counseling | None | None | None |
| 🟩 Premium Waiver | None | ✅ Yes | None |
| 🟦 Non-DSP Co-Payment | None | None | None |
| 🟪 Prostheses | None | None | None |
| 🟥 Travel Cover Extender | None | None | None |
| 🟧 Accidental Death/ Permanent Disability | None | None | None |
