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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 R557 ZAR. Cura Administrators has a trust score of 4.2.
π Provider | π₯ Cura Administrators Gap Ultimate |
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 | R557 |
π₯ Oncology Benefit | β Yes |
π§ In-Hospital Benefit | β Yes |
π¨ Out-of-Hospital Cover | β Yes |
The Cura Administrators Gap Ultimate is one of seven plans that starts from R557 per month. Cura Administratorsβ 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
π₯ Gap Ultimate | π© R557 per month for individuals <64 years |
π§ Gap Ultimate | π¦ R658 per month for families <64 years |
π¨ Gap Ultimate | πͺ R908 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 R12,500 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 R2,000 per family. |
π© Combined Capped Amount for Radiology and Pathology | Limited to R10,000 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 3 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 R10,000 per family. |
π© Trauma Counselling | Limited to R10,000 per family. |
π¦ Additional Care Cover | Limited to R5,000 per family. |
πͺ Cancer Lump Sum Benefit | Once-off payment of R10,000 per insured. |
π₯ Accidental Death Benefit | Limited to R10,000 per insured. |
π§ Premature Birth Lump Sum Benefit | Limited to R2,500 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. |
πͺ External Medical Appliances | Limited to CPAP Machines, Hearing Aids, and Compression Stockings. Limited to R2,500 per family. |
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 Ultimate | π₯ Discovery Health Gap Comprehensive | π₯ Bonitas MedGap Supreme Plan |
π₯ Years in Operation | 26 years | 31 years | 41 years |
π§ Underwriters | GENRIC Insurance Company Limited | Discovery Insure Ltd | Centriq Insurance Company Limited |
π¨ Market Share in South Africa | <5% | >56% | 5%> |
π© Gap Cover Waiting Period | 3 β 12 months | 12 months | 3 β 12 months |
π¦ Do Exclusions Apply | β Yes | β Yes | β Yes |
πͺ Average Monthly Premium | R557 | R206 | R334 |
π₯ Oncology Benefit | β Yes | β Yes | 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 | β Yes | β Yes |
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 | None | β Yes |
π§ Accidental Cover | β Yes | None | β Yes |
π¨ Trauma Counseling | β Yes | None | β Yes |
π© Premium Waiver | β Yes | None | β Yes |
π¦ Non-DSP Co-Payment | β Yes | None | β Yes |
πͺ Prostheses | β Yes | None | β Yes |
π₯ Travel Cover Extender | β Yes | β Yes | None |
π§ Accidental Death/ Permanent Disability | β Yes | β Yes | β Yes |
POLL: 5 Best Gap Cover Options for Under R300
Our research shows that Cura Administrators Gap Ultimate has competitive monthly premiums starting at R557 for individuals under 64 years old.Β Β 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
Yes, there is a 12-month waiting period for pre-existing medical conditions before policyholders can file claims.
Yes, the plan provides international medical travel coverage with a limit of R5 million per insured for trips up to 90 days.
The overall annual limit per insured is limited to R193,000.
Yes, specialist consultations are covered up to a maximum of R500 per claim, with a maximum of 3 claims per policy per year.
Yes, the plan covers dental procedures up to R10,000 per family.
Yes, there is a cover for accidental death, limited to R10,000 per insured.
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