Medway GapXtra Senior (🇿🇦 2026)
Overall, Medway GapXtra Senior is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Medway GapXtra Senior Plan starts from R790 ZAR. Medway has a trust score of 4.1.
| 🔎 Provider | 🥇 Medway GapXtra Senior |
| 🟥 Years in Operation | 35 years |
| 🟧 Underwriters | Guardrisk |
| 🟨 Market Share in South Africa | <1% |
| 🟩 Gap Cover Waiting Period | 3 – 12 months |
| 🟦 Do Exclusions Apply | ✅ Yes |
| 🟪 Average Monthly Premium | R790 |
| 🟥 Oncology Benefit | ✅ Yes |
| 🟧 In-Hospital Benefit | ✅ Yes |
| 🟨 Out-of-Hospital Cover | ✅ Yes |
Medway GapXtra Senior - 7 Key Point Quick Overview
- ✅ Medway GapXtra Senior Overview
- ✅ Medway GapXtra Senior Premiums
- ✅ Medway GapXtra Senior Cover Features
- ✅ Medway GapXtra Senior Exclusions and Waiting Periods
- ✅ Medway GapXtra Senior vs Other Gap Cover Plans
- ✅ Our Verdict on Medway GapXtra Senior
- ✅ Medway GapXtra Senior Frequently Asked Questions
Medway GapXtra Senior Overview
The Medway GapXtra Senior is one of ten plans that starts from R790 per month. The Medway GapXtra Senior plan has benefits for appliances and prosthetics, non-network hospital co-payments, hospital disposables and consumables, outpatient procedures, and more.
Medway Gap Cover has nine plans to choose from
Medway GapXtra Senior Premiums
| 🅰️ Gap Cover Option | 🅱️ Average Price Per Month |
| GapXtra Senior | From R790 per month |
Medway GapXtra Senior Cover Features
| 🔎 Benefits | 💶 Cover Amount |
| 🟥 Tariff and Medical Scheme Shortfall | Covers up to 600% |
| 🟧 Chemotherapy, Radiotherapy, Kidney Dialysis, Out-patient Treatment | N/A |
| 🟨 Medical Procedures performed in the doctor’s room | N/A |
| 🟩 Consumables for Hospital Disposables | R3,000 per family per year |
| 🟦 Sub-limit Cover | R185,000 per insured person per year |
| 🟪
Appliances/Prosthetics | R3,000 per family per year |
| 🟥 Non-Network Hospital Co-Payment Cover | R13,500 per family per year |
Medway GapXtra Senior Exclusions and Waiting Periods
Medway GapXtra Senior Exclusions
Medway Gap Cover Exclusions include:
- ✅ Bodily harm or illness caused by acts of war, military engagements, uprisings, or revolutions.
- ✅ Injuries arise from the use of nuclear weapons or exposure to nuclear materials.
- ✅ Self-inflicted injuries or attempted suicide.
- ✅ Injuries incurred during active military service, except under HECB Cover.
- ✅ Injuries sustained from participation in aviation or motorized speed testing.
- ✅ Exclusion of routine physical or diagnostic procedures.
- ✅ Expenses related to cosmetic surgery and treatments for obesity.
- ✅ Exclusion of depression, insanity, mental stress, and psychotic disorders.
- ✅ Rejection of any fraudulent claims.
Injuries or illnesses resulting from substance abuse, including drug and alcohol misuse will be excluded.
Medway GapXtra Senior Waiting Periods
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. However, 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.
Medway GapXtra Senior vs Other Gap Cover Plans
| 🔎 Provider | 🥇 Medway GapXtra Senior | 🥈 Total Risk Administrators Super Cover Plus | 🥉 Universal Health Gap Plus Cover |
| 🟥 Years in Operation | 35 years | 24 years | 16 years |
| 🟧 Underwriters | Guardrisk | Auto & General Insurance Company Limited | Compass Insurance Co Ltd |
| 🟨 Market Share in South Africa | <1% | <5% | <10% |
| 🟩 Gap Cover Waiting Period | 3 – 12 months | 3 – 12 months | 12 months for maternity and 30 days for other benefits |
| 🟦 Do Exclusions Apply | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟪 Average Monthly Premium | R790 | R300 | R291.89 |
| 🟥 Oncology Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟧 In-Hospital Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟨 Out-of-Hospital Cover | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟩 Maternity Benefit | None | None | None |
| 🟦 Scopes and Scans | None | ✅ Yes | None |
| 🟪 Co-payment Cover | None | ✅ Yes | ✅ Yes |
| 🟥 Emergency Room | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟧 Accidental Cover | ✅ Yes | None | None |
| 🟨 Trauma Counseling | None | ✅ Yes | ✅ Yes |
| 🟩 Premium Waiver | None | ✅ Yes | ✅ Yes |
| 🟦 Non-DSP Co-Payment | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟪 Prostheses | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟥 Travel Cover Extender | None | ✅ Yes | None |
| 🟧 Accidental Death/ Permanent Disability | ✅ Yes | ✅ Yes | None |
Our Verdict on Medway GapXtra Senior
According to our research, the Medway GapXtra Senior plan offers a range of benefits and coverage options for individuals seeking additional medical coverage. However, while it provides comprehensive cover for in-hospital and out-of-hospital treatments, there are some limitations to consider.
On the positive side, we found that the plan covers many medical procedures, including tariff and medical scheme shortfalls, chemotherapy, radiotherapy, and kidney dialysis.
Furthermore, it also includes benefits for emergency room visits and accidental injuries, as well as cover for appliances and prosthetics.
Medway GapXtra Senior Frequently Asked Questions
What are some of the key benefits of the Medway GapXtra Senior plan?
The plan covers tariff and medical scheme shortfalls of up to 600%, chemotherapy, radiotherapy, kidney dialysis, medical procedures in the doctor’s room, and consumables for hospital disposables. It also covers emergency room visits, accidental injuries, and prostheses.
What is the average monthly premium for the Medway GapXtra Senior plan?
The average monthly premium for the Medway GapXtra Senior plan is R790.
Does the Medway GapXtra Senior plan cover in-hospital and out-of-hospital treatments?
Yes, the Medway GapXtra Senior plan covers both in-hospital and out-of-hospital treatments.
Can I get cover for non-network hospital co-payment under the GapXtra Senior plan?
Yes, the GapXtra Senior plan provides cover for non-network hospital co-payment, up to R13,500 per family per year.
Are there waiting periods for the GapXtra Senior plan?
There is a general waiting period of 3 months for most covers. However, this waiting period can be waived if the Premium Waiver benefit is utilized. Additionally, a 12-month waiting period applies to pre-existing medical conditions.
