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Overall, Linksave Comprehensive Individual is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Linksave Comprehensive Individual Plan starts from R398 ZAR. Linksave has a trust score of 4.1.
🔎 Provider | 🥇 Linksave Comprehensive Individual |
🟥 Years in Operation | 9 years |
🟧 Underwriters | Renasa Insurance Company Limited |
🟨 Market Share in South Africa | <1% |
🟩 Gap Cover Waiting Period | 3 – 12 months |
🟦 Do Exclusions Apply | ✅ Yes |
🟪 Average Monthly Premium | R398 |
🟥 Oncology Benefit | ✅ Yes |
🟧 In-Hospital Benefit | ✅ Yes |
🟨 Out-of-Hospital Cover | ✅ Yes |
The Linksave Comprehensive Individual is one of four plans that starts from R398 per month. The Linksave Comprehensive Individual plan has benefits for casualties, accidental death/permanent disability, prosthetics, specialized dentistry, oncology, and more.
Linksave Gap Cover has four plans to choose from:
🅰️ Comprehensive Individual | 🅱️ Premium |
🟧 The premium for <75 | R398 |
🟨 The premium for 75> | R590 |
🟥 Overall Annual Limit (OAL) | The Overall Annual Limit is R185,000 per insured person per year. |
🟧 Tariff Gap | Paid up to an additional 500% of the medical scheme rate. |
🟨 Co-Payment Cover | Paid from the OAL. |
🟩 Sub-Limit Cover | Paid from the OAL. |
🟦 Non-DSP Hospital Co-Payment Cover | Limited to R18,000 per policy per year. |
🟪 Private Room Benefit | Covered up to 50% of the cost of the private room. Limited to R5,000 per event |
🟥 Premature Birth Cover | Limited to R16,000 per event. |
🟧 Cancer Diagnosis Cover | A lump sum of R20,000 is paid once-off for the first diagnosis. The OAL does not cover this benefit. |
🟨 Cancer Treatment Cover | Paid from the OAL. |
🟩 Breast Cancer Cover | Limited to R15,000 per family per year. |
🟦 Casualty/Emergency Room Benefits | Limited to R18,000 per event for accident-related emergencies. Illness-related emergencies are only covered between 6 pm and 8 am, limited to R4,000 per event and R8,000 per policy per year. |
🟪 Consumables | Limited to R2,000 per year and R500 per event. |
🟥 Physiotherapy Benefit | Limited to R1,500 per family per year. |
🟧 Wound Care Benefits | Limited to R2,000 per family per year. |
🟨 Stepdown Facility Cover | Limited to R10,000 per family per year. |
🟩 Specialist Radiography Benefits (MRIs and CT scans) | Limited to R15,000 per family per year and R6,500 per event. |
🟦 Specialist Consultation Benefit | Limited to R4,500 per year and R2,000 per event, with a limit of 3 claims per year. |
🟪 Specialized Dentistry Benefit | Limited to R8,000 per family per year and only for surgical extractions and root canal treatment performed in the dentist’s rooms. |
🟥 Accidental Death Benefit | Limited to R40,000 for the principal member. |
🟧 Gap Cover Premium Waiver Benefit | Limited to 6 months. |
🟨 Medical Aid Contribution Assist | Limited to R2,000 for 6 months. |
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.
🔎 Provider | 🥇 Linksave Comprehensive Individual | 🥈 Agility Combined 500 | 🥉 Medway GapXtra |
🟥 Years in Operation | 9 years | 18 years | 35 years |
🟧 Underwriters | Renasa Insurance Company Limited | GENRIC Insurance Company Ltd | Guardrisk |
🟨 Market Share in South Africa | <1% | <1% | <1% |
🟩 Gap Cover Waiting Period | 3 – 12 months | 3 – 12 months | 3 – 12 months |
🟦 Do Exclusions Apply | ✅ Yes | ✅ Yes | ✅ Yes |
🟪 Average Monthly Premium | R398 | R382 | R430 |
🟥 Oncology Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
🟧 In-Hospital Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
🟨 Out-of-Hospital Cover | ✅ Yes | ✅ Yes | ✅ Yes |
🟩 Maternity Benefit | ✅ Yes | ✅ Yes | None |
🟦 Scopes and Scans | ✅ Yes | ✅ Yes | None |
🟪 Co-payment Cover | ✅ Yes | ✅ Yes | None |
🟥 Emergency Room | ✅ Yes | ✅ Yes | ✅ Yes |
🟧 Accidental Cover | ✅ Yes | None | ✅ Yes |
🟨 Trauma Counseling | None | ✅ Yes | None |
🟩 Premium Waiver | ✅ Yes | ✅ Yes | None |
🟦 Non-DSP Co-Payment | ✅ Yes | ✅ Yes | None |
🟪 Prostheses | ✅ Yes | ✅ Yes | None |
🟥 Travel Cover Extender | None | None | None |
🟧 Accidental Death/ Permanent Disability | ✅ Yes | ✅ Yes | None |
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According to our research, the Linksave Comprehensive Individual Plan offers many benefits, including cover for accidental death, cancer diagnosis and treatment, and various medical procedures.
Furthermore, it provides financial assistance through a gap waiver and medical aid premium assistance. However, prospective policyholders must note that many benefits are subject to the overall annual limit. The plan also imposes waiting periods for certain conditions and treatments.
Our findings show that the premiums are reasonable, but there’s a higher rate for seniors aged 75 and above. Overall, this plan could be a good choice for individuals seeking comprehensive coverage, but potential policyholders should carefully consider the limits and waiting periods.
Yes, the plan covers cancer diagnosis and treatment. There’s a once-off payment of R20,000 for the first cancer diagnosis, and the treatment is subject to the overall annual limit.
Yes, there are waiting periods. A general waiting period of 3 months applies, except for accident-related hospitalization claims. There is also a 12-month waiting period for pre-existing conditions and certain medical procedures.
The premium is R398 per month for individuals under 75 at inception and R590 per month for seniors aged 75 and above.
The overall annual limit is R185,800 per insured person. This means the maximum amount the plan will pay out in a year for all claims combined is R185,800. This limit applies to most benefits under the plan unless otherwise stated.
The cover for accidental death is R40,000 for the principal member. Therefore, if the principal member dies from an accident, the plan will pay R40,000.
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