Summit
About this plan
Comprehensive gap cover providing up to 600% of the medical aid tariff for specialist shortfalls, approved medical scheme co-payments, oncology treatment, selected out-of-hospital procedures, accidental and child illness casualty benefits, and Hospital Booster benefits for enhanced financial protection.
Monthly premium
From
R300
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
Summit
Dis-Chem Gap Summit (🇿🇦 2026)
Overall, Dis-Chem Gap Summit is a trustworthy short-term insurance product designed to provide extra protection for those with medical aid. The Dis-Chem Gap Summit Plan starts from R245 ZAR. Dis-Chem has a trust score of 4.1.| 🔎 Provider | 🥇 Dis-Chem Gap Summit |
| 🟥 Years in Operation | 37 years |
| 🟧 Underwriters | Old Mutual Insure |
| 🟨 Market Share in South Africa | <1% |
| 🟩 Gap Cover Waiting Period | 3 – 12 months |
| 🟦 Do Exclusions Apply | ✅ Yes |
| 🟪 Average Monthly Premium | R245 |
| 🟥 Oncology Benefit | ✅ Yes |
| 🟧 In-Hospital Benefit | ✅ Yes |
| 🟨 Out-of-Hospital Cover | ✅ Yes |
Dis-Chem Gap Summit - 7 Key Point Quick Overview
- ✅ Dis-Chem Gap Summit Overview
- ✅ Dis-Chem Gap Summit Premiums
- ✅ Dis-Chem Gap Summit Benefits and Cover Comprehensive Breakdown
- ✅ Dis-Chem Gap Summit Exclusions and Waiting Periods
- ✅ Dis-Chem Gap Summit vs Other Gap Cover Plans
- ✅ Our Verdict on Dis-Chem Gap Summit
- ✅ Dis-Chem Gap Summit Frequently Asked Questions
Dis-Chem Gap Summit Overview
The Dis-Chem Gap Summit is one of two plans that starts from R245 per month. Dis-Chem Gap Summit offers benefits for oncology tariff shortfalls, penalty co-payments, sub-limit shortfalls, dental reconstruction, child casualty illness, and more. Dis-Chem Gap Cover has two plans to choose from:
Dis-Chem Gap Summit Premiums
| 🔎 Age Bracket | 👤 Main Member | 👥 Adult Premiums | 🍼 Child Premiums |
| 🟥 <18 | N/A | N/A | R43 |
| 🟧 18 – 39 | R245 | R137 | R57 for children up to 26 |
| 🟨 40 – 49 | R279 | R159 | N/A |
| 🟩 50 – 59 | R333 | R198 | N/A |
| 🟦 60> | R456 | R304 | N/A |
Dis-Chem Gap Summit Benefits and Cover Comprehensive Breakdown
Dis-Chem Gap Summit Cover Benefits
| 🟥 Overall Annual Limit | There is an overall annual limit of R210,580 per insured per year. |
| 🟧 Tariff Shortfalls | This Benefit provides additional cover of up to 600% of the medical aid rate for services provided during a Hospital Episode, covering shortfalls for healthcare service providers such as surgeons, radiologists, pathologists and physiotherapists. It also includes cover for Prescribed Minimum Benefits (PMBs). |
| 🟨 Co-Payments and Deductibles | Covers diagnostic and medical procedure cover during hospitalization. |
| 🟩 Shortfalls from Sub-limits | Limited to R68 370. |
| 🟦 Oncology Tariff Shortfalls | The Oncology Shortfall Benefit covers up to 500% of the Medical Schemes rate to cover oncology treatment shortfalls. |
| 🟪 Oncology Sub-Limits | Benefits are payable for oncology and related Treatment approved by the Insured Party’s Medical Scheme for treating cancer (malignant neoplasm) during an Insured Event. The Benefit payable is equal to the charged amount less the amount paid by the Medical Scheme of the Insured Party. |
| 🟥 Oncology Co-Payments | The Oncology Co-payment Benefit pays the 20% Oncology-Related Co-Payment imposed by the Medical Scheme. |
| 🟧 Out-of-Hospital Tariff Shortfalls | Limited to an additional 600% of the medical scheme tariff. |
| 🟨 Penalty Co-payment | Limited to per Family per year, with a maximum of R19,660 per event. Cover for penalty Co-payments or Deductibles that do not exceed 30% for the voluntary use of a non-Network Hospital by an Insured Party. |
| 🟩 Innovative Oncology Medicines | As it relates to Innovative Oncology Medicines, a value equal to the lesser of 25% of the total drug cost, or R14 600, is covered. Cover for shortfalls in Innovative Oncology Medicines as defined by the Medical Scheme of the Insured Party. |
| 🟦 Dental Reconstruction Benefit | Limited to two events per family per year. Limited to R49,900 per year. |
Dis-Chem Gap Summit Benefit Extenders
| 🟥 Family Booster | Limited to R15,900. |
| 🟧 Child Casualty Illness | Paid in respect of Emergency out-patient services that are provided within a casualty ward of a Hospital. The benefit is only payable in the event of afterhours treatment in an emergency. After-hours are Mondays to Fridays between 18:00pm and 08:00am and all-day Saturdays, Sundays and South African public holidays. Subject to a maximum of Two such events per annum and R3 200. Limited to children under age 12. |
| 🟨 Accidental Casualty | Limited to R19 550 per event. |
| 🟩 Hospital Booster | Day 1 - 13: R480 Day 14 - 20: R860 Day 21 - 30: R1 700 Maximum Benefit of R29 300 per Insured Party Per Annum. |
| 🟦 Family Protector | Children below six years: R20 000. All other Insured Parties: R30 000. |
| 🟪 Medical Scheme Contribution Waiver | Contributions will be covered for six months, up to R35,500. This benefit is only available once during the policy’s lifetime. |
| 🟥 Gap Cover Premium Waiver | The Dis-Chem Health Gap Cover premium will be waived six months after the event. This benefit is only available once during the policy’s lifetime. |
| 🟧 Road Accident Fund Claims | Covered by the policy. |
Dis-Chem Gap Summit Exclusions and Waiting Periods
Dis-Chem Gap Summit Exclusions
The following will not be covered under Dis-Chem’s Gap Cover Policies:- ✅ Excluded or rejected claims by the insured’s medical aid will not be covered.
- ✅ Claims not included in the registered benefits of the insured’s medical aid but paid on an ex-gratia basis will not be covered.
- ✅ Split billing fees charged by medical practitioners, hospitals, or healthcare providers (excluding balance billing) will not be covered.
- ✅ Treatment or medical procedures for infertility outside the period of cover and external prosthesis will not be covered.
- ✅ Appliances such as wheelchairs, beds, or convalescing equipment, specialized dental procedures, harvesting or preserving of human tissues, and breast augmentation are excluded.
Dis-Chem Gap Summit Waiting Periods
The following are the Dis-Chem Gap Cover waiting periods:- ✅ In addition, a 12-month Condition-Specific Waiting Period is in place, where benefits cannot be claimed for a condition that received medical advice, diagnosis, care, or treatment within 12 months before the Inception Date of the cover.
Dis-Chem Gap Summit vs Other Gap Cover Plans
| 🔎 Provider | 🥇 Dis-Chem Gap Summit | 🥈 Linksave Gap 500 Plus | 🥉 Liberty Optimal Gap Cover |
| 🟥 Years in Operation | 37 years | 9 years | 66 years |
| 🟧 Underwriters | Old Mutual Insure | Renasa Insurance Company Limited | Guardrisk Life Limited (FSP 76) |
| 🟨 Market Share in South Africa | <1% | <1% | >25% |
| 🟩 Gap Cover Waiting Period | 3 – 12 months | 3 – 12 months | 12 months |
| 🟦 Do Exclusions Apply | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟪 Monthly Premium | R245 | R422 | R253 |
| 🟥 Oncology Benefit | ✅ Yes | None | None |
| 🟧 In-Hospital Benefit | ✅ Yes | None | ✅ Yes |
| 🟨 Out-of-Hospital Cover | ✅ Yes | None | ✅ Yes |
| 🟩 Maternity Benefit | None | None | None |
| 🟦 Scopes and Scans | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟪 Co-payment Cover | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟥 Emergency Room | ✅ Yes | ✅ Yes | None |
| 🟧 Accidental Cover | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟨 Trauma Counseling | ✅ Yes | None | ✅ Yes |
| 🟩 Premium Waiver | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟦 Non-DSP Co-Payment | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟪 Prostheses | ✅ Yes | None | ✅ Yes |
| 🟥 Travel Cover Extender | ✅ Yes | None | None |
| 🟧 Accidental Death/ Permanent Disability | ✅ Yes | ✅ Yes | ✅ Yes |
