Gap Ultimate
About this plan
Cura Ultimate is the flagship gap cover plan, offering the highest level of protection across the Cura range. It provides the broadest benefits and highest limits for medical expense shortfalls, making it suitable for members seeking maximum financial protection alongside their medical scheme.
Monthly premium
From
R724
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
Cura Administrators Gap Ultimate (🇿🇦 2025)
Overall, Cura Administrators Gap Ultimate is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Cura Administrators' Gap Ultimate Plan starts from R680 ZAR. Cura Administrators has a trust score of 4.2.| 🔎 Provider | 🥇 Cura Administrators Gap Ultimate |
| 🟥 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 | R680 |
| 🟥 Oncology Benefit | ✅ Yes |
| 🟧 In-Hospital Benefit | ✅ Yes |
| 🟨 Out-of-Hospital Cover | ✅ Yes |
Cura Administrators Gap Ultimate - 7 Key Point Quick Overview
- ✅ Cura Administrators Gap Ultimate Overview
- ✅ Cura Administrators Gap Ultimate Premiums
- ✅ Cura Administrators Gap Ultimate Benefits and Cover Breakdown
- ✅ Cura Administrators Gap Ultimate Exclusions and Waiting Periods
- ✅ Cura Administrators Gap Ultimate vs Other Gap Cover Plans
- ✅ Our Verdict on Cura Administrators Gap Ultimate
- ✅ Cura Administrators Gap Ultimate Frequently Asked Questions
Cura Administrators Gap Ultimate Overview
The Cura Administrators Gap Ultimate is one of seven plans that starts from R680 per month. Cura Administrators’ Gap Ultimate has benefits for accidental death, premature birth, international travel, premium waiver, trauma counseling, and more. Cura Administrators Gap Cover has seven plans to choose from
Cura Administrators Gap Ultimate Premiums
| 🟥 Gap Ultimate | 🟩 R680 per month for individuals <64 years |
| 🟧 Gap Ultimate | 🟦 R800 per month for families <64 years |
| 🟨 Gap Ultimate | 🟪 R1,105 per month for individuals/families 65 years> |
Cura Administrators Gap Ultimate Benefits and Cover Breakdown
| 🟥 Overall Annual Limit (OAL) per insured | Limited to R210 580 per insured person. |
| 🟧 Gap Cover | Up to 600% 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 R15,000 per family. |
| 🟪 Sub-Limitations | Limited to R70,000 per family. |
| 🟥 Internal Prostheses | Included in the R70,000 sub-limit. |
| 🟧 Sub-limitation of Intra-ocular Lenses | Limited to R9,000 per lens per year. |
| 🟨 External Prostheses | Limited to R4,000 per family. |
| 🟩 Combined Capped Amount for Radiology and Pathology | Limited to R13,000 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 3 claims per policy per year. |
| 🟥 Dental Procedures | Limited to R10,000 per family. |
| 🟧 Shortfall on Consumables | Limited to R6,500 per insured. |
| 🟨 Casualty Benefit | Limited to R13,000 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 R25,000 per insured. |
| 🟥 Accidental Death Benefit | Limited to R10,000 per insured. |
| 🟧 Premature Birth Lump Sum Benefit | Limited to R2,500 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. |
| 🟪 External Medical Appliances | Limited to CPAP Machines, Hearing Aids, and Compression Stockings. Limited to R5,000 per family. |
Cura Administrators Gap Ultimate Exclusions and Waiting Periods
Gap Ultimate 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 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 vs Other Gap Cover Plans
| 🔎 Provider | 🥇 Cura Administrators Gap Ultimate | 🥈 Discovery Health Gap Comprehensive | 🥉 Bonitas MedGap Supreme Plan |
| 🟥 Years in Operation | 26 years | 31 years | 41 years |
| 🟧 Underwriters | GENRIC Insurance Company Limited | Discovery Insure Ltd | Centriq Insurance Company Limited |
| 🟨 Market Share in South Africa | <5% | >56% | 5%> |
| 🟩 Gap Cover Waiting Period | 3 – 12 months | 12 months | 3 – 12 months |
| 🟦 Do Exclusions Apply | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟪 Average Monthly Premium | R680 | R248 | R343 |
| 🟥 Oncology Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟧 In-Hospital Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟨 Out-of-Hospital Cover | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟩 Maternity Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟦 Scopes and Scans | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟪 Co-payment Cover | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟥 Emergency Room | ✅ Yes | None | ✅ Yes |
| 🟧 Accidental Cover | ✅ Yes | None | ✅ Yes |
| 🟨 Trauma Counseling | ✅ Yes | None | ✅ Yes |
| 🟩 Premium Waiver | ✅ Yes | None | ✅ Yes |
| 🟦 Non-DSP Co-Payment | ✅ Yes | None | ✅ Yes |
| 🟪 Prostheses | ✅ Yes | None | ✅ Yes |
| 🟥 Travel Cover Extender | ✅ Yes | ✅ Yes | None |
| 🟧 Accidental Death/ Permanent Disability | ✅ Yes | ✅ Yes | ✅ Yes |
💙POLL: 5 Best Gap Cover Options for Under R300
Our Verdict on Cura Administrators Gap Ultimate
Our research shows that Cura Administrators Gap Ultimate has competitive monthly premiums starting at R680 for individuals under 64 years old. it provides a wide range of benefits, including cover for in-hospital procedures, oncology treatment, specialist consultations, dental procedures, and more. While the plan has limitations and exclusions, such as waiting periods for certain claims it offers comprehensive cover for various medical expenses.💙Sharpen your knowledge with a better understanding of Affordable Medical Aid in South Africa
