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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 R623 ZAR. Cura Administrators has a trust score of 4.2.
π Provider | π₯ Cura Administrators Gap Ultimate Plus |
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 | R623 |
π₯ Oncology Benefit | β Yes |
π§ In-Hospital Benefit | β Yes |
π¨ Out-of-Hospital Cover | β Yes |
The Cura Administrators Gap Ultimate Plus is one of seven plans that starts from R623 per month. Cura Administratorsβ 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
π₯ Gap Ultimate Plus | π© R623 per month for individuals <64 years |
π§ Gap Ultimate Plus | π¦ R748 per month for families <64 years |
π¨ Gap Ultimate Plus | πͺ R990 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 600% 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¦ Use of Non-DSP Hospital (Penalty Co-Payment) | Limited to R15,000 per family. |
πͺ Sub-Limitations | Limited to R70,000 per family. |
π₯ Internal Prostheses | Included in the R70,000 sub-limit. |
π§ Sub-limitation of Intra-ocular Lenses | Limited to R9,000 per lens per year. |
π¨ External Prostheses | Limited to R5,000 per family. |
π© Combined Capped Amount for Radiology and Pathology | Limited to R12,000 per family. |
π¦ Oncology Treatment (after the medical scheme oncology limit has been reached) | Limited to the OAL. |
πͺ Specialist Consultations | Limited to R500 per claim and up to a maximum of 4 claims per policy per year. |
π₯ Dental Procedures | Limited to R10,000 per family. |
π§ Shortfall on Consumables | Limited to R6,000 per insured. |
π¨ Casualty Benefit | Limited to R12,500 per family. |
π© Trauma Counselling | Limited to R10,000 per family. |
π¦ Additional Care Cover | Limited to R8,000 per family. |
πͺ Cancer Lump Sum Benefit | Once-off payment of R15,000 per insured. |
π₯ Accidental Death Benefit | Limited to R10,000 per insured. |
π§ Premature Birth Lump Sum Benefit | Limited to R5,000 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 | Unlimited per month. |
π¦ Gap Premium Waiver | Covered for up to 12 months. |
Cura Administrators does not cover the following:
and more. A full list of Exclusions will be provided.
Cura Administrators impose a nine-month waiting period on claims related to pregnancy.
π Provider | π₯ Cura Administrators Gap Ultimate Plus | π₯ Elixi Family Co-Plus | π₯ Dis-Chem Gap Summit |
π₯ Years in Operation | 26 years | 6 years | 36 years |
π§ Underwriters | GENRIC Insurance Company Limited | Unity Health | Old Mutual Insure |
π¨ Market Share in South Africa | <5% | <5% | <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 | R623 | R441 | R27 |
π₯ Oncology Benefit | β Yes | None | β Yes |
π§ In-Hospital Benefit | β Yes | β Yes | β Yes |
π¨ Out-of-Hospital Cover | β Yes | β Yes | β Yes |
π© Maternity Benefit | β Yes | None | None |
π¦ Scopes and Scans | β Yes | β Yes | β Yes |
πͺ Co-payment Cover | β Yes | β Yes | β Yes |
π₯ Emergency Room | β Yes | β Yes | β Yes |
π§ Accidental Cover | β Yes | β Yes | β Yes |
π¨ Trauma Counseling | β Yes | None | β Yes |
π© Premium Waiver | β Yes | β Yes | β Yes |
π¦ Non-DSP Co-Payment | β Yes | None | β Yes |
πͺ Prostheses | β Yes | β Yes | β Yes |
π₯ Travel Cover Extender | β Yes | None | β Yes |
π§ Accidental Death/ Permanent Disability | β Yes | β Yes | β Yes |
Our final thoughts on Cura Administrators Gap Ultimate Plus are that it is a comprehensive plan offering extensive cover for medical shortfalls. Compared to other gap cover plans, it provides the most benefits and covers a wide range of medical expenses.
This comprehensive range of benefits ensures policyholders are well-protected against various medical costs.
Cura Administrators Gap Ultimate Plus is a comprehensive gap cover plan that provides additional financial protection by covering the shortfall between medical scheme rates and the actual costs of medical treatments or procedures.
Gap Ultimate Plus has operated for 26 years, providing a long-standing track record of experience in the gap cover industry.
GENRIC Insurance Company Limited, a reputable underwriter in the insurance industry, underwrites Gap Ultimate Plus.
The average monthly premium for Gap Ultimate Plus is R623 for individuals under 64 years of age and R748 for families under 64. For individuals/families aged 65 and above, the premium is R990 per month.
The overall annual limit per insured person under Gap Ultimate Plus is limited to R193,000.
Gap Ultimate Plus provides gap cover of up to 600% for in-hospital procedures, helping to bridge the gap between medical scheme rates and actual costs.
We work with leading medical aid companies in South Africa.
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