Comprehensive Individual
About this plan
The Comprehensive Individual plan offers a range of benefits, including coverage for casualties, accidental death/permanent disability, prosthetics, specialized dentistry, oncology treatments, and various other additional advantages.
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
Comprehensive Individual
Linksave Comprehensive Individual (🇿🇦 2025)
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 R479 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 | R479 |
| 🟥 Oncology Benefit | ✅ Yes |
| 🟧 In-Hospital Benefit | ✅ Yes |
| 🟨 Out-of-Hospital Cover | ✅ Yes |
Linksave Comprehensive Individual Gap Cover - 7 Key Point Quick Overview
- ✅ Linksave Comprehensive Individual Overview
- ✅ Linksave Comprehensive Individual Premiums
- ✅ Linksave Comprehensive Individual Benefits and Cover Breakdown
- ✅ Linksave Comprehensive Individual Exclusions and Waiting Periods
- ✅ Linksave Comprehensive Individual vs Other Gap Cover Plans
- ✅ Our Verdict on Linksave Comprehensive Individual
- ✅ Linksave Comprehensive Individual Frequently Asked Questions
Linksave Comprehensive Individual Overview
The Linksave Comprehensive Individual is one of four plans that starts from R479 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:
Linksave Comprehensive Individual Premiums
| 🅰️ Comprehensive Individual | 🅱️ Premium |
| 🟧 The premium for <75 | R479 |
| 🟨 The premium for 75> | R710 |
Linksave Comprehensive Individual Benefits and Cover Breakdown
| 🟥 Overall Annual Limit (OAL) | The Overall Annual Limit is R210,580 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 R20,000 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 R18,000 per event. |
| 🟧 Cancer Diagnosis Cover | A lump sum of R25,000 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 | R21,000 per event for accident-related emergencies. Illness-related emergencies are covered between 6pm and 8am, limited to R4,500 per event and R9,000 pa. |
| 🟪 Consumables | Limited to R3,000 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 R5,000 per year and R2,500 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 12 months. |
| 🟨 Medical Aid Contribution Assist | Limited to R2,500 for 6 months. |
Linksave Comprehensive Individual Exclusions and Waiting Periods
Linksave Comprehensive Individual Exclusions
💙Some typical gap cover exclusions that you could expect from Linksave include, but are not limited to, the following:- ✅ Medical expenses are not covered by the medical aid plan.
- ✅ Medical expenses incurred before the policy start date.
- ✅ Medical expenses related to pre-existing conditions unless the waiting period has expired.
- ✅ Expenses related to cosmetic surgery, elective procedures, or experimental treatments.
- ✅ Medical expenses related to self-inflicted injuries or injuries sustained while participating in high-risk activities.
- ✅ Medical expenses related to mental health conditions or substance abuse.
- ✅ Medical expenses incurred outside of South Africa.
- ✅ Medical expenses incurred due to criminal or illegal activity.
- ✅ Medical expenses related to weight-loss programs or bariatric surgery.
- ✅ Expenses related to fertility treatments or procedures.
- ✅ Medical expenses related to HIV/AIDS or related illnesses.
Linksave Comprehensive Individual Waiting Periods
💙Linksave imposes the following waiting periods:- ✅ A 3-month general waiting period applies, except for accident-related hospitalization claims.
- ✅ A 12-month waiting period applies for pre-existing conditions or if the applicant has previously sought medical consultation or received treatment for a condition. This waiting period also extends to pregnancy/childbirth or childbirth-related hospitalization.
- ✅ A 12-month waiting period applies for joint replacements, tonsillectomies, spinal surgery, adenoidectomies, endoscopic procedures, and myringotomies.
- ✅ A 12-month waiting period applies for premium waiver and medical assistance benefits.
Linksave Comprehensive Individual vs Other Gap Cover Plans
| 🔎 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 | R479 | R382 | R465 |
| 🟥 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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