Medway Gap Cover (πΏπ¦ 2024)
Overall,
Medway Gap Cover is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The
Medway Gap Cover Plans start from R465 ZAR. Medway has a trust score of 4.1.
Medway Gap CoverΒ has nine plans to choose from
| π Date Established | 1990 |
| π
°οΈ Underwriters | Guardrisk |
| π
±οΈ Headquartered | Cape Town, South Africa |
| π The average number of members | 5,000+ |
| 1οΈβ£ Number of Markets | 1 |
| π Market Share | <1% |
| π The number of plans offered | 10 options |
| π± Mobile App | β
Yes |
| π» Social Media Platforms and Links | None |
| β€οΈ Customer Support Operating Hours | Monday to Friday β 8 am to 4 pm |
| β οΈ Waiting Period | 3 β 12 months |
| β Exclusions | β
Yes |
Medway Gap Cover - Analysis of Providers' Main Features
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Medway Gap Cover Features
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Medway Gap Cover Premiums
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Medway Gap Cover β Advantages Over Competitors
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How to apply for Gap Cover with Medway
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How to change my Medway Gap Cover Option
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How to Submit a Claim for Gap Cover with Medway
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Medway Recent User Reviews
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Medway Gap Cover vs Other Notable Providers
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Medway Gap Cover Pros and Cons
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Our Verdict on Medway Gap Cover
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Medway Gap Cover Frequently Asked Questions
Medway Gap Cover Features
Medway GapCore, GapXtra, GapPremium, GapPremium Plus
| π Benefits | πΆ Cover Amount | π₯ GapCore | π₯ GapXtra | π₯ GapPremium | π
GapPremium Plus |
| π₯ Tariff and Medical Scheme Shortfall Cover up to 600% | N/A | β
Yes | β
Yes | β
Yes | β
Yes |
| π§ Chemotherapy, Radiotherapy, Kidney Dialysis, Outpatient Treatment | N/A | β
Yes | β
Yes | β
Yes | β
Yes |
| π¨ Medical Procedures performed in the doctorβs room | N/A | β
Yes | β
Yes | β
Yes | β
Yes |
| π© Consumables for Hospital Disposables | R4,000 per family per year | β
Yes | β
Yes | β
Yes | β
Yes |
| π¦ Hospitalization or Death because of an Accident | R15,000 per family per year | None | None | β
Yes | β
Yes |
| πͺ Casualty/Emergency Room Cover | R12,000 per family per year | None | β
Yes | β
Yes | β
Yes |
| π₯ Sub-limit Cover | R210 500 per insured person per year | None | β
Yes | β
Yes | β
Yes |
| π§ Appliance/Prostheses Cover | R3,000 per family per year | None | None | β
Yes | β
Yes |
| π¨ Procedural Co-payment cover | R210 500 per insured person per year | None | None | β
Yes | β
Yes |
| π© Non-DSP Co-payment Cover | R15,000 per family per year | None | None | β
Yes | β
Yes |
| π¦ Private Treatment cover for Cancer β Sub-limit cover for biological drugs | R150,000 per insured person per treatment cycle | None | None | None | β
Yes |
| πͺ Premium Waiver | R20,000 per family per year | None | None | β
Yes | β
Yes |
Medway GapCore, GapXtra, GapPremium Senior
| π Benefits | πΆ Cover Amount | π₯ GapCore | π₯ GapXtra | π₯ GapPremium |
| π΄ Tariff and Medical Scheme Shortfall Cover up to 600% | N/A | β
Yes | β
Yes | β
Yes |
| π Chemotherapy, Radiotherapy, Kidney Dialysis, Outpatient Treatment | N/A | β
Yes | β
Yes | β
Yes |
| π‘ Medical Procedures performed in the doctorβs room | N/A | β
Yes | β
Yes | β
Yes |
| π’ Consumables for Hospital Disposables | R3,000 per family per year | β
Yes | β
Yes | β
Yes |
| π΅ Hospitalization or Death because of an Accident | R10,000 per family per year | β
Yes | β
Yes | β
Yes |
| π£ Casualty/Emergency Room Cover | R10,000 per family per year | None | None | β
Yes |
| π΄ Sub-limit Cover | R185,000 per insured person per year | None | β
Yes | β
Yes |
| π Appliance/Prostheses Cover | R3,000 per family per year | None | β
Yes | β
Yes |
| π‘ Procedural Co-payment cover | R185,000 per insured person per year | None | None | β
Yes |
| π’ Non-Network Hospital Co-payment Cover | R13,500 per family per year | None | β
Yes | β
Yes |
| π΅ Premium Waiver | R20,000 per family per year | None | None | β
Yes |
Medway Heritage Essential (Government)
| π Gap Cover | Covers immediate family for in-hospital specialist doctor services that cost more than the medical scheme rate, up to six times the medical scheme tariff.
Covers outpatient chemotherapy, radiotherapy, and kidney dialysis, including certain procedures.
Limited to R4,000 for hospital disposables. |
| βͺοΈ Sub-Limit Lite | Covers hospitalization, outpatient chemotherapy, radiotherapy, kidney dialysis, or day admission for a non-rescribed Minimum Benefit condition up to R11,000 per family per year. |
| π Trauma Plan | Provides daily non-medical expenses for accidental injury hospitalization.
Day 1: R1 000
Day 2 onwards: R500 per day |
| ποΈ Cancer Treatment Cover | Pays R150,000 above the medical scheme sub-limit for traditional cancer treatment and biological drugs for defined oncological benefits. |
| π΄ Sub-Limit Extender | Increases medical expense sub-limit cover to R210,500 per person per year.
Increases Sub-limit Lite benefit to R210,500 per person per year.
Prosthesis sub-limit of R45,000 per person per year.
Provides R4,000 per family per year for boots, crutches, wheelchairs, and other appliances. |
| π΅ Co-Payment Cover | Covers co-payments or deductibles for inpatient and outpatient MRI and CT scans.
Co-payment benefit maximum, with an annual limit of R210,500 per person.
Provides up to R15,000 for non-network hospital use with a co-payment. |
| β οΈ Trauma Expenses Booster | Covers accidental injury outpatient expenses up to R12,000 per family per year.
Cancer care costs are covered up to R10,000 after diagnosis.
Pays non-medical surgery expenses daily.
Covers in-hospital specialist doctor services that cost more than your medical scheme.
Covers outpatient medical procedures.
Pays a daily benefit for non-medical expenses from accidental injury hospitalization.
Covers chemotherapy, radiotherapy, kidney dialysis, and R4,000 for hospital disposables.
Limited to R10,000 per family per year for medical expenses above the medical scheme sub-limitation. |
Medway Heritage Plus Senior (Government)
| π Gap Cover | Covers hospital practitioner shortfalls up to R210 500 per person per year.
Includes outpatient kidney dialysis, chemo and radiotherapy for cancer, doctor-performed hospital procedures, bandages, gauze sponges, and gloves.
Allows R4,000 for hospital disposables. |
| βͺοΈ Sub-Limit Lite | Covers up to R11,000 per family per year for hospitalization, outpatient chemo, radiotherapy, kidney dialysis, or day admission for a non-rescribed Minimum Benefit condition. |
| β‘οΈ Premium Waiver | Covers the premiums of surviving dependents for 12 months if the Principal Insured dies accidentally, up to R40,000 per policy. |
| π Trauma Plan | Pays Day 1: R1 000
Day 2 onwards: R500 per day for general anesthesia surgery for accidental injury. |
| ποΈ Cancer Treatment Cover | Pays R150,000 above the medical scheme sub-limit for private facility cancer treatment and biological drugs for defined oncological benefits. |
| π΅ Sub-Limit Extender | Increases annual sub-limit cover to R210,500 per family.
Increases Sub-limit Lite from R11,000 to R210 500 per person per year.
Prosthesis sub-limit of R45,000 per person per year.
Provides R4,000 per family per year for boots, crutches, wheelchairs, and other appliances. |
| πΆ Co-Payment Cover | Covers co-payments or deductibles for inpatient and outpatient MRI and CT scans.
Co-payment cover has an annual limit of R210 500 per person.
Provides up to R15,000 for non-network hospital use with a co-payment. |
| β οΈ Trauma Expenses Booster | Accidental injury outpatient expenses are up to R12,000 per family per year.
Cancer care costs R10,000 after diagnosis.
Pays non-medical surgery expenses daily. |
Medway Maximiser Gap Premium
| π₯ Gap Cover | Covers consumables and up to 600% of in-hospital specialist charges. |
| π§ Co-Payment Cover | Covers procedural co-payments up to R210,500 per person per year, including R15,000 per family per year for non-designated hospital admission. |
| π¨ Sub-Limit Cover | Increases annual cover to R210 500 per person and covers appliance and prosthetic costs. |
| π© Personal Accident Cover | Reimburses up to R10,000 for in-hospital non-medical or casualty ward expenses incurred during accidental injury treatment for medical expense shortfalls. Accidental death benefits range from R10,000 to R40,000. |
| π¦ Premium Waiver | Pays premiums for your surviving spouse and dependents up to R20,000 per policy for six months. |
| πͺ Casualty Ward and In-Hospital Treatment | Covers accidental injury and emergency medical treatment for children under 5 for R10,000 per family per year. |
Medway Gap Cover Premiums
| π Gap Cover Option | πͺ Average Price Per Month |
| π΄ GapCore | From R390 per month |
| π΅ GapXtra | From R430 per month |
| πΆ GapPremium | From R500 per month |
| π· GapPremium Plus | From R580 per month |
| π΄ GapCore Senior | From R710 per month |
| π΅ GapXtra Senior | From R790 per month |
| πΆ GapPremium Senior | From R900 per month |
| π· Heritage Essential (Government) | From R465 per month |
| π΄ Sub-Limit Extender | Additional R58 per month |
| π΅ Co-Payment Cover | Additional R85 per month |
| πΆ Trauma Expenses Booster | Additional R90 per month |
| π· Heritage Essential Senior (Government) | - |
| π΄ Sub-Limit Extender | Additional R112per month |
| π΅ Co-Payment Cover | Additional R163 per month |
| πΆ Trauma Expenses Booster | Additional R174 per month |
πYou might consider advancing your healthcare knowledge about the Cheapest Health Insurance in SA
Medway Gap Cover - Advantages Over Competitors
πChoosing Medway Gap Cover includes the following benefits:
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Medway Gap Cover provides comprehensive coverage that supplements your existing medical assistance plan by covering the shortfall for in-hospital and outpatient treatment expenses.
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Unlike many other gap cover providers, Medway Gap Cover has no general waiting period, ensuring that your benefits are available on the first day of your policy.
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The benefits provided by Medway Gap Cover include co-payment cover, sub-limit cover, personal accident cover, and premium waiver cover. These benefits are intended to provide financial security and peace of mind in the event of unexpected medical expenses.
Finally, the affordable premiums of Medway Gap Cover make it accessible to a diverse clientele.
How to apply for Gap Cover with Medway
πTo apply for Gap Cover with Medway, please follow the steps below:
- βοΈ Navigate to the Gap Cover section of the website for Medway.
- βοΈ Choose the Gap Cover product that meets your needs best.
- βοΈ Click "Get a Quote" or "Apply Now" to begin the application procedure.
- βοΈ Provide your personal and contact details.
- βοΈ Please disclose any pre-existing medical conditions.
- βοΈ Select your payment method and provide payment details.
Review the details of your application and submit it.
How to change my Medway Gap Cover Option
πTo modify your Medway Gap Cover option, please follow the steps below:
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To request a change to your policy, contact Medway's customer service department by phone or email.
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Verify your identity by providing your policy number and personal information.
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Explain to the customer service agent which Medway Gap Cover option to which you wish to change and why.
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The customer service agent will inform you of any potential changes to your monthly premium or benefits due to the switch.
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After accepting the new terms, you must sign and submit a new application to Medway.
Medway will evaluate your new application and notify you of any policy modifications and the effective date of your new cover choice.
How to Submit a Claim for Gap Cover with Medway
πFollow these steps to submit a claim for Gap Cover with Medway:
- βοΈ Gather all the necessary information and documentation for your claim, including receipts, invoices, and medical records. Then, check your policy documents to determine the specific requirements.
- βοΈ Download the Gap Cover claim form from the Medway website or obtain one from their customer service department.
- βοΈ Include all supporting documentation, including original invoices and receipts, medical certificates, and itemized statements. Keep a duplicate of everything for your records.
- βοΈ Send your claim form and supporting documentation to Medway via email, fax, or mail. The contact information is available on the Medway website.
- βοΈ Once your claim has been submitted, wait for Medway to process it. They will evaluate your claim and provide you with feedback. If further information is necessary, they will contact you.
Medway will deposit the funds directly into your bank account if your claim is approved.
Medway Recent User Reviews
Outstanding Service.
Medway is highly commended for its outstanding service, as claims are processed and paid with remarkable promptness compared to other service providers. The level of staff follow-up is exceptional, and dealing with Medway is a pleasure. We express our gratitude to Medway for its excellent service.
- Pieter Collins
Exceptional Customer Service.
Today, we received exceptional customer service from Medway when making a claim. The competence, care, patience, and friendliness demonstrated by the staff were unexpected and appreciated. We extend our thanks to Medway for making the claim process painless.
- Sipho Mazabuka
Medway Gap Cover vs Other Notable Providers
| π Gap Cover Provider | π₯ Medway | π₯ iWYZE | π₯ Kaelo |
| π₯ Underwriters | Guardrisk | Old Mutual Insure Limited | Centriq Insurance Company Limited |
| π§ Number of Plans | 10 | 1 | 2 |
| π¨ Average Price | R465 | R270 | R255 β R941 |
| π© Waiting Periods | 3 β 12 months | 3 β 12 months | 12 months |
| π¦ Exclusions | β
Yes | β
Yes | β
Yes |
| πͺ Oncology Benefit | βοΈ Yes | βοΈ Yes | βοΈ Yes |
| π₯ In-Hospital Benefit | β
Yes | β
Yes | β
Yes |
| π§ Out-of-Hospital Cover | βοΈ Yes | βοΈ Yes | βοΈ Yes |
| π¨ Maternity Benefit | None | β
Yes | None |
| π© Scopes and Scans | βοΈ Yes | βοΈ Yes | βοΈ Yes |
| π¦ Co-payment Cover | β
Yes | β
Yes | β
Yes |
| πͺ Emergency Room | βοΈ Yes | βοΈ Yes | βοΈ Yes |
| π₯ Accidental Cover | β
Yes | β
Yes | β
Yes |
| π§ Trauma Counseling | None | None | βοΈ Yes |
| π¨ Premium Waiver | β
Yes | β
Yes | β
Yes |
| π© Non-DSP Co-Payment | βοΈ Yes | βοΈ Yes | βοΈ Yes |
| π¦ Prostheses | β
Yes | β
Yes | β
Yes |
| πͺ Accidental Death/ Permanent Disability | βοΈ Yes | βοΈ Yes | βοΈ Yes |
| π₯ Travel Cover Extender | None | None | β
Yes |
πDiscover the 5 Best Gap Cover Options for Under R2000
Medway Gap Cover Pros and Cons
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Pros | β Cons |
| Enhances medical scheme plan cover and offers a cover of up to 600% | Waiting periods still apply for pre-existing conditions |
Our Verdict on Medway Gap Cover
In our experience and according to our research, Medway Gap Cover offers a comprehensive and affordable solution to help individuals cover the gap between medical scheme rates and the actual costs of in-hospital procedures.
The different Medway plans cover various medical expenses that medical schemes, including co-payments, sub-limits, and out-of-hospital expenses like cancer treatments and prosthetic requirements, may not cover.
One of the standout features of Medway Gap Cover is the absence of a general waiting period, allowing policyholders to access benefits from day one.
Medway Gap Cover Frequently Asked Questions
What is the Medway Maximiser Gap Premium policy, and what does it cover?
The Maximiser Gap Premium is a top-end gap cover policy covering all expected medical scheme shortfalls. Medwayβs Maximiser Gap Premium covers in-hospital specialist charges, co-payments, sub-limits, and personal accident and trauma expenses.
What is Medway co-payment coverage, and how does it work with my medical scheme?
The co-payment cover reimburses you for the co-payment or deductible portion of certain medical procedures imposed by your medical scheme. For example, Medway's co-payment cover includes a payout for non-designated hospital admissions.
What is the sub-limit cover from Medway and how does it work with my medical scheme?
Sub-limit cover covers costs incurred above the sub-limits imposed by your medical scheme for in-hospital procedures. For example, Medway's sub-limit cover covers appliance and prosthetic costs.
What is Medway's personal accident cover, and what does it include?
Personal accident cover covers accidental injury-related medical expenses. Medway's personal accident cover covers non-medical expenses incurred during hospitalization for accidental injuries.
What is Medway premium waiver cover, and how does it work?
Premium waiver cover covers the medical scheme premiums of surviving dependents in the event of the Principal Insured's accidental death. Medway's premium waiver cover pays for up to six months.
What is Medway trauma expenses booster cover, and what does it include?
Trauma expenses booster cover covers non-medical expenses incurred due to hospitalization or accidental injury. Medway's trauma expenses booster cover includes daily payouts for non-medical expenses for up to five days.
How do I submit a claim for gap cover with Medway?
To submit a claim for gap coverage with Medway, follow the steps outlined on their website or contact their customer service team for assistance. According to our research, you must provide proof of payment and a completed claim form.
