Gap Ultimate Plus
About this plan
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.
Monthly premium
From
R818
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 Ultimate Plus
Cura Administrators Gap Ultimate Plus (🇿🇦 2025)
Overall, Cura Administrators Gap Ultimate Plus is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Cura Administrators Gap Ultimate Plus Plan starts from R750 ZAR. Cura Administrators has a trust score of 4.2.| 🔎 Provider | 🥇 Cura Administrators Gap Ultimate Plus |
| 🟥 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 | R750 |
| 🟥 Oncology Benefit | ✅ Yes |
| 🟧 In-Hospital Benefit | ✅ Yes |
| 🟨 Out-of-Hospital Cover | ✅ Yes |
Cura Administrators Gap Ultimate Plus - 7 Key Point Quick Overview
- ✅ Cura Administrators Gap Ultimate Plus Overview
- ✅ Cura Administrators Gap Ultimate Plus Premiums
- ✅ Cura Administrators Gap Ultimate Plus Benefits and Cover Breakdown
- ✅ Cura Administrators Gap Ultimate Plus Exclusions and Waiting Periods
- ✅ Cura Administrators Gap Ultimate Plus vs Other Gap Cover Plans
- ✅ Our Verdict on Cura Administrators Gap Ultimate Plus
- ✅ Cura Administrators Gap Ultimate Plus Frequently Asked Questions
Cura Administrators Gap Ultimate Plus Overview
The Cura Administrators Gap Ultimate Plus is one of seven plans that starts from R750 per month. Cura Administrators’ Gap Ultimate Plus has benefits for trauma counseling, specialist consultations, oncology treatment and lump sums, consumable shortfall, radiology and pathology, and more. Cura Administrators Gap Cover has seven plans to choose from
Cura Administrators Gap Ultimate Plus Premiums
| 🟥 Gap Ultimate Plus | 🟩 R750 per month for individuals <64 years |
| 🟧 Gap Ultimate Plus | 🟦 R905 per month for families <64 years |
| 🟨 Gap Ultimate Plus | 🟪 R1,190 per month for individuals/families 65 years> |
Cura Administrators Gap Ultimate Plus Benefits and Cover Breakdown
| 🟥 Overall Annual Limit (OAL) per insured | Limited to R210 580 per insured person. |
| 🟧 Gap Cover | Up to 700% 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. |
| 🟦 Use of Non-DSP Hospital (Penalty Co-Payment) | Limited to R18,000 per family. |
| 🟪 Sub-Limitations | Limited to R80,000 per family. |
| 🟥 Internal Prostheses | Included in the R80,000 sub-limit. |
| 🟧 Sub-limitation of Intra-ocular Lenses | Limited to R9,000 per lens per year. |
| 🟨 External Prostheses | Limited to R5,000 per family. |
| 🟩 Combined Capped Amount for Radiology and Pathology | Limited to R14,000 per family. |
| 🟦 Oncology Treatment (after the medical scheme oncology limit has been reached) | Limited to the OAL. |
| 🟪 Specialist Consultations | Limited to R600 per claim and up to a maximum of 4 claims per policy per year. |
| 🟥 Dental Procedures | Limited to R10,000 per family. |
| 🟧 Shortfall on Consumables | Limited to R7,000 per insured. |
| 🟨 Casualty Benefit | Limited to R15,000 per family. |
| 🟩 Trauma Counselling | Limited to R10,000 per family. |
| 🟦 Additional Care Cover | Limited to R12,000 per family. |
| 🟪 Cancer Lump Sum Benefit | Once-off payment of R30,000 per insured. |
| 🟥 Accidental Death Benefit | Limited to R15,000 per insured. |
| 🟧 Premature Birth Lump Sum Benefit | Limited to R5,000 per policy. |
| 🟨 International Medical Travel Cover | Limited to R5 million per insured, up to 90 days per trip. |
| 🟩 12-Month Medical Scheme Premium Waiver | Unlimited per month. |
| 🟦 Gap Premium Waiver | Covered for up to 12 months. |
Cura Administrators Gap Ultimate Plus Exclusions and Waiting Periods
Gap Ultimate Plus 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 Ultimate Plus 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 Ultimate Plus vs Other Gap Cover Plans
| 🔎 Provider | 🥇 Cura Administrators Gap Ultimate Plus | 🥈 Elixi Family Co-Plus | 🥉 Dis-Chem Gap Summit |
| 🟥 Years in Operation | 26 years | 6 years | 36 years |
| 🟧 Underwriters | GENRIC Insurance Company Limited | Unity Health | Old Mutual Insure |
| 🟨 Market Share in South Africa | <5% | <5% | <1% |
| 🟩 Gap Cover Waiting Period | 3 – 12 months | 3 – 12 months | 3 – 12 months |
| 🟦 Do Exclusions Apply | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟪 Average Monthly Premium | R750 | R654 | R33 - R418 |
| 🟥 Oncology Benefit | ✅ Yes | None | ✅ Yes |
| 🟧 In-Hospital Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟨 Out-of-Hospital Cover | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟩 Maternity Benefit | ✅ Yes | None | None |
| 🟦 Scopes and Scans | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟪 Co-payment Cover | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟥 Emergency Room | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟧 Accidental Cover | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟨 Trauma Counseling | ✅ Yes | None | ✅ Yes |
| 🟩 Premium Waiver | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟦 Non-DSP Co-Payment | ✅ Yes | None | ✅ Yes |
| 🟪 Prostheses | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟥 Travel Cover Extender | ✅ Yes | None | ✅ Yes |
| 🟧 Accidental Death/ Permanent Disability | ✅ Yes | ✅ Yes | ✅ Yes |
