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Overall, Linksave Gap 500 Plus is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Linksave Gap 500 Plus Plans start from R422 ZAR. Linksave has a trust score of 4.1.
π Provider | π₯ Linksave Gap 500 Plus |
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 | R422 |
π₯ Oncology Benefit | None |
π§ In-Hospital Benefit | β Yes |
π¨ Out-of-Hospital Cover | None |
The Linksave Gap 500 Plus is one of four plans that starts from R422 per month. The Linksave Gap 500 Plus plan has benefits for accidental death, medical aid contributions, co-payments, tariff gaps, specialized radiology, and more.
Linksave Gap CoverΒ has four plans to choose from:
π °οΈ Comprehensive Individual | π ±οΈ Premium |
π§ The premium for <75 | R422 |
π¨ The premium for 75> | R652 |
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¦ Non-DSP Hospital Co-Payment Cover | Limited to R12,000 per policy per year. |
π© Private Room Benefit | Covered up to 50% of the cost of the private room. Limited to R5,000 per event |
πͺ Casualty/Emergency Room Benefits | Limited to R8,000 per event for accident-related emergencies. Limited to R2,500 for illness-related emergencies and a maximum of R7,5000 per family annually. Illness-related emergencies are only covered between 6 pm and 8 am. |
π₯ Consumables | Limited to R2,000 per year and R500 per event. |
π§ Specialist Radiography Benefits (MRIs and CT scans) | Limited to R10,000 per family per year, limited to R4,000 per event. |
π¨ Specialized Dentistry Benefit | Limited to R4,000 per family per year and only for surgical extractions and root canal treatment performed in the dentistβs rooms. |
π© Accidental Death Benefit | Limited to R20,000 for the principal member. |
π¦ Gap Cover Premium Waiver Benefit | Limited to 6 months. |
πͺ Medical Aid Contribution Assist | Limited to R3,000 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.
π Provider | π₯ Linksave Gap 500 Plus | π₯ Turnberry Optimal | π₯ Standard Bank GapAssist Universal |
π₯ Years in Operation | 9 years | 22 years | 61 years (Standard Bank) |
π§ Underwriters | Renasa Insurance Company Limited | Lombard Insurance Company | Standard Insurance Limited |
π¨ Market Share in South Africa | <1% | <5% | <10% |
π© Gap Cover Waiting Period | 3 β 12 months | 3 β 12 months | 12 Months |
π¦ Do Exclusions Apply | β Yes | β Yes | β Yes |
πͺ Average Monthly Premium | R422 | R398 | R478 |
π₯ Oncology Benefit | None | β Yes | β Yes |
π§ In-Hospital Benefit | β Yes | β Yes | β Yes |
π¨ Out-of-Hospital Cover | None | β Yes | β Yes |
π© Maternity Benefit | None | None | None |
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 | β Yes |
π¨ Trauma Counseling | None | β Yes | 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 | None | β Yes |
π₯ Travel Cover Extender | None | β Yes | None |
π§ Accidental Death/ Permanent Disability | β Yes | β Yes | β Yes |
Our findings show that the Linksave Gap 500 Plus plan offers a range of benefits, including tariff gap cover, co-payment cover, and a private room benefit. However, it does not cover certain areas, such as cancer treatment, premature birth, and physiotherapy.
In our experience, the plan is moderately priced, making it a potentially good choice for individuals seeking a balance between cost and cover.
However, the lack of certain covers may be a drawback for some potential policyholders. Therefore, it is crucial for potential policyholders to carefully consider their individual health needs and financial situation when choosing a gap cover product.
The tariff gap covered in the Linksave Gap 500 Plus plan provides up to an additional 500% of the scheme rate.
This means that if your medical scheme covers a certain percentage of the cost of a medical procedure or treatment, this plan will cover up to an additional 500% of the rate that your medical scheme has set for that procedure or treatment.
The premium for the Linksave Gap 500 Plus plan is R422 per month for individuals under 75 years old at the time of policy inception. For seniors aged 75 and above, the premium is R652 per month.
No, the Linksave Gap 500 Plus plan does not provide a physiotherapy benefit. This means that costs related to physiotherapy services are not covered under this plan.
The Overall Annual Limit (OAL) for the Linksave Gap 500 Plus plan is R185,800 per insured person. This is the maximum amount the plan will pay in a year for all claims combined.
Yes, the Linksave Gap 500 Plus plan covers child dependents up to 27 years old if they are unmarried and on the principal memberβs medical scheme.
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