Linksave Network Plus (🇿🇦 2025)

Overall, Linksave Network Plus is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Linksave Network Plus Plan starts from R429 ZAR. Linksave has a trust score of 4.1.      

Linksave Network Plus Gap Cover - 7 Key Point Quick Overview

1. ✅ Linksave Network Plus Overview
2. ✅ Linksave Network Plus Premiums
3. ✅ Linksave Network Plus Benefits and Cover Breakdown
4. ✅ Linksave Network Plus Exclusions and Waiting Periods
5. ✅ Linksave Network Plus vs Other Gap Cover Plans
6. ✅ Our Verdict on Linksave Network Plus
7. ✅ Linksave Network Plus Frequently Asked Questions

Linksave Network Plus Overview

The Linksave Network Plus is one of four plans that starts from R429 per month. The Linksave Network Plus plan has benefits for MRI and CT scans, accidental death, private rooms, tariff gaps, listed procedures, and more.   Linksave Gap Cover has four plans to choose from:

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

Linksave Network Plus Premiums

   

Linksave Network Plus Benefits and Cover Breakdown

   

Linksave Network Plus Exclusions and Waiting Periods

Linksave Network Plus 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.

  Any medical expenses covered by alternative legislation, such as the Compensation for Occupational Injuries and Diseases Act or the Road Accident Fund Act.  

Linksave Network Plus 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.

  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.    

Linksave Network Plus vs Other Gap Cover Plans

   

Our Verdict on Linksave Network Plus

Our research shows that the Linksave Network Plus plan offers a range of benefits, including a tariff gap of up to 500% of the scheme rate, co-payment cover, and a private room benefit. However, it does not cover certain areas, such as cancer treatment, premature birth, and physiotherapy.  Our findings show that the plan seems designed for individuals looking for basic cover with a focus on hospital-related expenses. However, it is important for potential policyholders to carefully consider their personal health needs and circumstances before choosing this plan.    

Linksave Network Plus Frequently Asked Questions

What is the premium for the Linksave Network Plus plan?

The Linksave Network Plus plan premium is R429 per month for individuals under 75 at inception and R682 per month for seniors aged 75 and above.  

What is the tariff gap covered in the Linksave Network Plus plan?

The tariff gap covered in the Linksave Network Plus plan provides up to an additional 500% of the scheme rate.  

Does the Linksave Network Plus plan cover cancer treatment?

No, the Linksave Network Plus plan does not provide cover for cancer treatment. This means that costs related to the diagnosis and treatment of cancer are not covered under this plan.  

Does the Linksave Network Plus plan cover specialized dentistry?

Yes, the Linksave Network Plus plan covers specialized dentistry. It provides a maximum of R4,000 per family per annum for Surgical Extractions and Root Canal Treatment performed in dentist’s rooms.  

What is the overall annual limit for the Linksave Network Plus plan?

The overall annual limit for the Linksave Network Plus plan is R210,580 per insured person. This is the maximum amount the plan will pay in a year for all claims combined. If the total cost of your claims in a year exceeds this limit, you will be responsible for paying the difference.