Linksave Gap Cover (🇿🇦 2025)

Overall, Linksave Gap Cover is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Linksave Gap Cover Plans start from R429 ZAR. Linksave has a trust score of 4.1.   Linksave Gap Cover has four plans to choose from:

• • Linksave Network Plus
  • Linksave Gap 500 Plus
  • Linksave Comprehensive Individual
  • Linksave Comprehensive Family

         

Linksave Gap Cover - Analysis of Providers' Main Features

1. ✅ Linksave Gap Cover Features
2. ✅ Linksave Gap Cover Premiums
3. ✅ Linksave Gap Cover – Advantages Over Competitors
4. ✅ How to apply for Gap Cover with Linksave
5. ✅ How can I change my Linksave Gap Cover option?
6. ✅ How to Submit a Claim for Gap Cover with Linksave
7. ✅ Linksave Gap Cover Exclusions
8. ✅ Linksave Gap Cover Waiting Periods
9. ✅ Linksave User Reviews
10. ✅ Linksave Gap Cover vs Other Notable Providers
11. ✅ Linksave Gap Cover Pros and Cons
12. ✅ Our Verdict on Linksave Gap Cover
13. ✅ Linksave Gap Cover Frequently Asked Questions

   

Linksave Gap Cover Features

 

Linksave Comprehensive Family Gap Cover

 

Linksave Comprehensive Individual Gap Cover

 

Linksave Gap 500 Plus Gap Cover

 

Linksave Network Plus Gap Cover

       

Linksave Gap Cover Premiums

 

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Linksave Gap Cover - Advantages Over Competitors

  💙The advantages of choosing Linksave Gap Cover include the following:

• ✅ Cover for in-hospital procedures, including co-payments and deductibles.
• ✅ Cover for medical scheme shortfalls, specialist and hospital charges, and other uninsured medical expenses.
• ✅ A variety of options to accommodate various needs and budgets, including family, single, and senior plans.
• ✅ The option to include a premium waiver benefit, which, in the event of unemployment or disability, will cover the policyholder's gap cover premiums for up to six months.
• ✅ There is no age restriction, ensuring all ages can access gap cover.

  Finally, with online submissions and devoted customer service support, the claims process is simple and efficient.        

How to apply for Gap Cover with Linksave

  💙Follow these steps to apply for Gap Cover via Linksave:

• ☑️ Visit www.linksave.co.za to view the Linksave website.
• ☑️ On the homepage, click the "Get a Quote" link.
• ☑️ Fill out your personal information, including your name, contact information, and medical plan details.
• ☑️ Choose the Gap Cover plan that meets your needs and budget the best.
• ☑️ Review the policy's terms and conditions.
• ☑️ Click "Apply Now.”
• ☑️ Linksave will evaluate your application and, if necessary, request additional information.

  Upon approval of your application, you will receive confirmation of your cover and payment information.        

How can I change my Linksave Gap Cover option?

  💙To modify your Linksave Gap Cover option, you can take the following steps:

• ✅ On the Linksave website, you can contact customer service via email, phone, or live chat.
• ✅ Inform them of your desire to change your Gap Cover option.
• ✅ They will walk you through the procedure and inform you of your options.
• ✅ Once you have selected a new Gap Cover option, they will help you complete the necessary paperwork and documentation.
• ✅ Review the new policy's terms and conditions.
• ✅ If the change in option results in a change in premium, the difference in premium must be paid.

  After the paperwork and payment have been processed, you will receive confirmation that your Gap Cover option has been modified.        

How to Submit a Claim for Gap Cover with Linksave

  💙Follow these steps to submit a Gap Cover claim through Linksave:

• ☑️ Notify Linksave of your claim by calling their customer service team, emailing, or submitting a claim form via the Linksave website.
• ☑️ Provide all pertinent claim information, including the service date, the practitioner's name, and the amount charged.
• ☑️ Sign and complete the claim form with all required information.
• ☑️ Collect all pertinent paperwork, including invoices, receipts, and medical reports.
• ☑️ Email, fax, or mail the completed claim form and supporting documentation to Linksave.
• ☑️ Linksave will evaluate your claim and, if necessary, request additional information or documentation.
• ☑️ After validating and approving your claim, Linksave will pay you the benefit directly.

  If your claim is denied, you will receive a written explanation.        

Linksave Gap Cover Exclusions

  💙Some typical gap cover exclusions that you could expect from Linksave include, but are not limited to, the following:

• ✅ Medical expenses not covered by the medical aid plan will be excluded.
• ✅ Medical expenses incurred before the policy start date will be excluded.
• ✅ Medical expenses related to pre-existing conditions will be excluded unless the waiting period has expired.
• ✅ Expenses related to cosmetic surgery, elective procedures, or experimental treatments will be excluded.
• ✅ Medical expenses related to self-inflicted injuries or injuries sustained while participating in high-risk activities will be excluded.
• ✅ Medical expenses related to mental health conditions or substance abuse will be excluded.

  and more. A full list of exclusions will be made available by Linksave.  

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Linksave Gap Cover Waiting Periods

  💙Linksave has the following waiting periods:

• ☑️ A 3-month general waiting period, except for accident-related hospitalization claims, will be applied.
• ☑️ A waiting period of 12 months will be applied for pre-existing conditions or if the applicant has consulted with a physician or received treatment for a condition before the policy application. This waiting period will also apply to pregnancy/childbirth or childbirth-related hospitalization.
• ☑️ A waiting period of 12 months will be applied for joint replacements, tonsillectomies, spinal surgery, adenoidectomies, endoscopic procedures, and myringotomies.
• ☑️ A waiting period of 12 months will be applied for a premium waiver and medical assistance benefits.

  Finally, a waiting period of 12 months will be applied for remission exclusion in the cancer treatment benefit if the insured member/applicant has had a prior cancer diagnosis.        

Linksave User Reviews

  Excellent. Linksave (Renasa Insurance Company) is highly recommended for GAP coverage. They have an efficient team with great attention to detail. In addition, the team is helpful, friendly, and professional. In our experience, Linksave has provided exceptional service in dealing with medical claims. Over the past three years, we have had dealings with several medical claims, and Linksave has consistently been a breath of fresh air. - Clarice Benadie        

Linksave Gap Cover vs Other Notable Providers

       

Linksave Gap Cover Pros and Cons

       

Our Verdict on Linksave Gap Cover

According to our research, Linksave Gap Cover provides a range of policy options to suit different needs and budgets. Linksave offers several benefits, including cover for co-payments and deductibles, extended cancer treatment, and premium waivers. Additionally, their premiums are relatively affordable compared to other providers in the market. However, according to our research, Linksave's policies also have some drawbacks. For example, they have waiting periods for certain benefits, and pre-existing conditions may be excluded from coverage.    

Linksave Gap Cover Frequently Asked Questions

 

What is a Linksave Gap Cover?

Linksave Gap Cover is an insurance product that helps cover the medical expenses that your medical aid may not fully cover. It is designed to provide financial assistance to cover the shortfall between what medical providers charge and what medical aids pay.  

What does the Linksave Gap Cover include?

Linksave Gap Cover covers the difference between what a medical provider charges and what your medical aid pays out. Linksave also covers co-payments, sub-limits, and other costs not covered by your medical aid up to the annual limit of your policy. The cover includes in-hospital procedures, specialists, anesthetists, and any shortfalls related to approved procedures.  

How does Linksave Gap Cover work?

When you receive medical treatment, your medical aid will pay out according to the benefits available on your medical aid plan. Linksave Gap Cover will then pay the difference between the medical aid payout and the treatment cost up to your policy's annual limit. After that, you must submit a claim to Linksave Gap Cover for the amount your medical aid has not covered.  

Can I choose my medical service provider with a Linksave Gap Cover?

Yes, you can choose your medical service providers with Linksave Gap Cover if they are registered with the relevant authorities and charge reasonable and customary rates.  

How do I apply for Linksave Gap Cover?

To apply for Linksave Gap Cover, you can visit their website and complete an online application form or call their customer service center to apply over the phone.  

How long does it take for Linksave Gap Cover to start?

Once your application has been accepted and your premium payment has been received, your Linksave Gap Cover will start on the agreed-upon date. Linksave Gap Cover has a 3-month general waiting period and several others that might apply.  

How much does Linksave Gap Cover cost?

The cost of Linksave Gap Cover will depend on the policy option you choose and the level of coverage you require. You can get a quote from Linksave by visiting their website or calling their customer service center.  

How do I submit a claim with a Linksave Gap Cover?

To submit a claim with Linksave Gap Cover, you must complete a claim form and attach all the relevant documents, such as medical invoices and receipts. You can submit the claim form and documents online or by email. Linksave Gap Cover will assess your claim and pay out any eligible benefits.