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Overall, Linksave Comprehensive Family is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Linksave Comprehensive Family Plan starts from R560 ZAR. Admed has a trust score of 4.1.
π Provider | π₯ Linksave Comprehensive Family |
π₯ Years in Operation | 9 years |
π§ Underwriters | Renasa Insurance Company Limited |
π¨ Market Share in South Africa | <1% |
π© Gap Cover Waiting Period | 3 β 12 months |
π¦ Do Exclusions Apply | β Yes |
πͺ Average Monthly Premium | R560 |
π₯ Oncology Benefit | β Yes |
π§ In-Hospital Benefit | β Yes |
π¨ Out-of-Hospital Cover | β Yes |
The Linksave Comprehensive Family is one of four plans that starts from R560 per month.Β The Linksave Comprehensive Family plan has benefits for non-DSP Hospital Co-payments, cancer diagnosis, breast cancer,Β and more.
Linksave Gap CoverΒ has four plans to choose from:
π °οΈ Comprehensive Family | π ±οΈ Premium |
π§ The premium for <75 | R560 |
π¨ The premium for 75> | R740 |
π₯ Overall Annual Limit (OAL) | The Overall Annual Limit is R185,000 per insured person per year. |
π§ Tariff Gap | Paid up to an additional 500% of the medical scheme rate. |
π¨ Co-Payment Cover | Paid from the OAL. |
π© Sub-Limit Cover | Paid from the OAL. |
π¦ Non-DSP Hospital Co-Payment Cover | Limited to R18,000 per policy per year. |
πͺ Private Room Benefit | Covered up to 50% of the cost of the private room. Limited to R5,000 per event |
π₯ Premature Birth Cover | Limited to R16,000 per event. |
π§ Cancer Diagnosis Cover | A lump sum of R20,000 is paid once-off for the first diagnosis. The OAL does not cover this benefit. |
π¨ Cancer Treatment Cover | Paid from the OAL. |
π© Breast Cancer Cover | Limited to R15,000 per family per year. |
π¦ Casualty/Emergency Room Benefits | Limited to R18,000 per event for accident-related emergencies. Limited to R4,000 per event for illness-related emergencies. Limited to R12,000 per family per year. Illness-related emergencies involving members older than 8 are only covered between 6 pm and 8 am. |
πͺ Consumables | Limited to R4,000 per year and R500 per event. |
π₯ Physiotherapy Benefit | Limited to R2,500 per family per year. |
π§ Wound Care Benefits | Limited to R3,000 per family per year. |
π¨ Stepdown Facility Cover | Limited to R10,000 per family per year. |
π© Specialist Radiography Benefits (MRIs and CT scans) | Limited to R15,000 per family per year and R6,500 per event. |
π¦ Specialist Consultation Benefit | Limited to R6,500 per year and R2,000 per event, with a limit of 3 claims per year. |
πͺ Specialized Dentistry Benefit | Limited to R8,000 per family per year and only for surgical extractions and root canal treatment performed in the dentistβs rooms. |
π₯ Accidental Death Benefit | Subject to the following limits: Principle Member β R40,000 Spouse β R30,000 Child dependent β R10,000 R50,000 per family per year. |
π§ Gap Cover Premium Waiver Benefit | Limited to 6 months. |
π¨ Medical Aid Contribution Assist | Limited to R5,000 for 6 months. |
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Some typical gap cover exclusions that you could expect from Linksave include, but are not limited to, the following:
Any medical expenses covered by alternative legislation, such as the Compensation for Occupational Injuries and Diseases Act or the Road Accident Fund Act.
Linksave imposes the following waiting periods
A 12-month waiting period applies for remission exclusion in the cancer treatment benefit if the insured member/applicant has a history of a cancer diagnosis.
π Provider | π₯ Linksave Comprehensive Family | π₯ Medway GapPremium | π₯ Agility Ultra Gap Cover |
π₯ Years in Operation | 9 years | 35 years | 18 years |
π§ Underwriters | Renasa Insurance Company Limited | Guardrisk | GENRIC Insurance Company Ltd |
π¨ Market Share in South Africa | <1% | <1% | <1% |
π© Gap Cover Waiting Period | 3 β 12 months | 3 β 12 months | 3 β 12 months |
π¦ Do Exclusions Apply | β Yes | β Yes | β Yes |
πͺ Average Monthly Premium | R560 | R500 | R546 |
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 | None | 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 | β Yes | β Yes |
π§ Accidental Cover | β Yes | β Yes | None |
π¨ Trauma Counseling | None | None | β Yes |
π© Premium Waiver | β Yes | β Yes | β Yes |
π¦ Non-DSP Co-Payment | β Yes | β Yes | β Yes |
πͺ Prostheses | β Yes | β Yes | β Yes |
π₯ Travel Cover Extender | None | None | None |
π§ Accidental Death/ Permanent Disability | β Yes | β Yes | β Yes |
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According to our research, the Linksave Comprehensive Family gap cover plan is a comprehensive and reliable option for individuals and families seeking additional financial protection for medical expenses.
With a monthly premium starting at R560, this plan offers a range of benefits, including cover for non-DSP Hospital Co-payments, cancer diagnosis, breast cancer,Β and more.
The planβs competitive premium and comprehensive cover make it an attractive choice for those looking to bridge the gap between medical scheme rates and actual healthcare costs.
The monthly premium for individuals under 75 years old is R560, while for those aged 75 and above, it is R740.
The overall annual limit per insured person per year is R185,000.
Pre existing conditions are covered after a waiting period of 12 months, provided the waiting period has expired.
No, expenses related to cosmetic surgery, elective procedures, or experimental treatments are not covered.
No, medical expenses related to mental health conditions or substance abuse are excluded from coverage.
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