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Overall, Medway GapPremium Gap Cover is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Medway GapPremium Gap Cover Plans start from R500 ZAR. Medway has a trust score of 4.1.
π Provider | π₯ Medway GapPremium |
π₯ Years in Operation | 35 years |
π§ Underwriters | Guardrisk |
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 | R500 |
π₯ Oncology Benefit | β Yes |
π§ In-Hospital Benefit | β Yes |
π¨ Out-of-Hospital Cover | β Yes |
The Medway GapPremium is one of ten plans that starts from R500 per month. The Medway GapPremium plan has benefits for procedural co-pays, premium waivers, appliances, hospitalization or death after an accident, medical procedures in the doctorβs rooms, non-DSP cover, and more.
Medway Gap CoverΒ has nine plans to choose from
π °οΈ Gap Cover Option | π ±οΈ Average Price Per Month |
GapPremium | From R500 per month |
π Benefits | πΆ Cover Amount |
π₯ Tariff and Medical Scheme Shortfall | Covers up to 600% |
π§ Chemotherapy, Radiotherapy, Kidney Dialysis, Outpatient Treatment | N/A |
π¨ Medical Procedures performed in the doctorβs room | N/A |
π© Consumables for Hospital Disposables | R3,000 per family per year |
π¦ Hospitalization or Death because of an Accident | R10,000 per family per year |
πͺ Casualty/Emergency Room Cover | R10,000 per family per year |
π₯ Sub-limit Cover | R185,000 per insured person per year |
π§ Appliance/Prostheses Cover | R3,000 per family per year |
π¨ Procedural Co-payment cover | R185,000 per insured person per year |
π© Non-Network Hospital Co-payment Cover | R13,500 per family per year |
π¦ Premium Waiver | R20,000 per family per year |
Medway Gap Cover Exclusions include:
Injuries or illnesses resulting from substance abuse, including drug and alcohol misuse will be excluded.
Medway gap cover policies are designed to provide immediate benefits without a general waiting period. Therefore, your coverage starts as soon as the policy is in effect.Β The underwriter may impose a three-month general waiting period unless the Premium Waiver benefit is utilized, eliminating the waiting period.
Moreover, if you have any pre-existing medical conditions diagnosed or treated before applying for the policy, a standard waiting period of 12 months will apply. Therefore, disclosing all relevant conditions on your application form is important to ensure accurate coverage.
π Provider | π₯ Medway GapPremium | π₯ Admed Supreme Gap | π₯ Elixi Executive Single Plus |
π₯ Years in Operation | 35 years | N/A | 6 years |
π§ Underwriters | Guardrisk | Guardrisk Insurance Company Limited | Unity Health |
π¨ Market Share in South Africa | <1% | <1% | <5% |
π© Gap Cover Waiting Period | 3 β 12 months | 3 β 12 months | 3 β 12 months |
π¦ Do Exclusions Apply | β Yes | β Yes | β Yes |
πͺ Average Monthly Premium | R500 | R440 | R403 |
π₯ Oncology Benefit | β Yes | β Yes | β Yes |
π§ In-Hospital Benefit | β Yes | β Yes | β Yes |
π¨ Out-of-Hospital Cover | β Yes | β Yes | β Yes |
π© Maternity Benefit | None | β Yes | 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 | None |
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 | None |
πͺ Prostheses | β Yes | β Yes | β Yes |
π₯ Travel Cover Extender | None | None | None |
π§ Accidental Death/ Permanent Disability | β Yes | β Yes | β Yes |
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Medway GapPremium is a well-regarded gap cover plan offered by Medway, a trusted provider in South Africa. Starting at R500 per month, it offers a range of benefits, such as procedural co-pays, premium waivers, appliance cover, hospitalization, and more.
The gap provider, Medway, has been operating for 35 years and is underwritten by Guardrisk. The GapPremium plan is popular amongst South Africans. However, it lacks maternity benefits and trauma counseling.
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Medway GapPremium has a waiting period of 3-12 months for certain benefits.
If you have any pre-existing medical conditions diagnosed or treated before applying for the policy, a standard waiting period of 12 months will apply. Therefore, disclosing all relevant conditions on your application form is important to ensure accurate coverage.
Yes, Medway GapPremium includes cover for prostheses up to R3,000 per family per year.
No, Medway GapPremium does not provide a travel cover extender option. Therefore, if you require travel-related coverage, you must consider additional travel insurance from another provider.
Unfortunately, Medway GapPremium does not offer maternity benefits. If you specifically require coverage for maternity-related expenses, you may need to explore other options or plans.
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