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Overall, Dis-Chem Gap Summit is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Dis-Chem Gap Summit Plan starts from R189 ZAR. Dis-Chem has a trust score of 4.1.
🔎 Provider | 🥇 Dis-Chem Gap Summit |
🟥 Years in Operation | 36 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 | R180 |
🟥 Oncology Benefit | ✅ Yes |
🟧 In-Hospital Benefit | ✅ Yes |
🟨 Out-of-Hospital Cover | ✅ Yes |
The Dis-Chem Gap Summit is one of two plans that starts from R189 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:
🔎 Age Bracket | 👤 Main Member | 👥 Adult Premiums | 🍼 Child Premiums |
🟥 <18 | N/A | N/A | R29 |
🟧 18 – 39 | R189 | R106 | R39 for children up to 25 |
🟨 40 – 49 | R237 | R135 | N/A |
🟩 50 – 59 | R285 | R170 | N/A |
🟦 60> | R370 | R246 | N/A |
🟥 Overall Annual Limit | There is an overall annual limit of R185,537 per insured per year. |
🟧 Tariff Shortfalls | Subject to the overall annual limit of R185,537 per insured per year. |
🟨 Co-Payments and Deductibles | Covers diagnostic and medical procedure cover during hospitalization. |
🟩 Shortfalls from Sub-limits | Limited to R58,300. |
🟦 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 500% of the medical scheme tariff. |
🟨 Penalty Co-payment | Limited to per Family per year, with a maximum of R17,500 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 R13,000, 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. |
🟥 Family Booster | Limited to R15,900. |
🟧 Child Casualty Illness | Subject to 2 events per year and R2,700 per event. |
🟨 Accidental Casualty | Limited to R17,400 per event. |
🟩 Hospital Booster | Day 1 to 13 – R464 per day. Day 14 – 20 – R845 per day. Day 21 – Day 30 – R1,658 per day. Maximum benefit of R28,500 per insured per year. |
🟦 Family Protector | Limited to R20,000 for children <6 years. Limited to R30,000 for all other insured persons. |
🟪 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. |
The following will not be covered under Dis-Chem’s Gap Cover Policies:
Gender reversal procedures, gastroplasty, lipectomy, otoplasty, therapeutic massage therapists, rehabilitation, frail care, hospice services, step-down facilities, and TTO medicines are excluded.
The following are the Dis-Chem Gap Cover waiting periods:
If a newborn or Spouse is added to the policy within 90 days of their birth or marriage date, they will not be subject to waiting periods.
🔎 Provider | 🥇 Dis-Chem Gap Summit | 🥈 Linksave Gap 500 Plus | 🥉 Liberty Optimal Gap Cover |
🟥 Years in Operation | 36 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 | R189 | R422 | R225 |
🟥 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 |
According to our research, Dis-Chem Gap Summit provides substantial cover, including oncology tariff shortfalls, penalty co-payments, and dental reconstruction, backed by reliable 24/7 medical emergency assistance.
We discovered that the plan competes favorably with other gap cover plans, boasting advantageous offerings such as in-hospital, out-of-hospital cover, and oncology benefits, although it lacks maternity benefits.
Dis-Chem Gap Summit is a gap cover plan by Dis-Chem, offering benefits such as oncology tariff shortfalls and out-of-hospital cover from R189 per month.
Dis-Chem Gap Summit provides various benefits, including hospitalization co-payments and deductibles cover, oncology tariff shortfalls, and penalty co-payment, among others.
Premiums for Dis-Chem Gap Summit are tiered based on age brackets, with rates starting as low as R180 for main members from 18.
Dis-Chem Gap Summit’s cover includes exclusions such as rejected claims by the insured’s medical aid, split billing fees, and treatments for infertility outside the coverage period.
Dis-Chem Gap Summit imposes a 12-month condition-specific waiting period where benefits cannot be claimed for a previously diagnosed or treated condition.
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