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Overall, Medway GapXtra is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Medway GapXtra Plan starts from R430 ZAR. Medway has a trust score of 4.1.
🔎 Provider | 🥇 Medway GapXtra |
🟥 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 | R430 |
🟥 Oncology Benefit | ✅ Yes |
🟧 In-Hospital Benefit | ✅ Yes |
🟨 Out-of-Hospital Cover | ✅ Yes |
The Medway GapXtra is one of ten plans that starts from R430 per month. The Medway GapXtra plan has benefits for hospital consumables, sub-limits, casualties, and more.
Medway Gap Cover has nine plans to choose from
🅰️ Gap Cover Option | 🅱️ Average Price Per Month |
GapXtra | From R430 per month |
🔎 Benefits | 💶 Cover Amount |
🟥 Tariff and Medical Scheme Shortfall | Covers up to 600% |
🟧 Chemotherapy, Radiotherapy, Kidney Dialysis, Outpatient 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 |
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. 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.
🔎 Provider | 🥇 Medway GapXtra | 🥈 Bonitas MedGap Supreme Plan | 🥉 Elixi Family Co-Plus |
🟥 Years in Operation | 35 years | 41 years | 6 years |
🟧 Underwriters | Guardrisk | Centriq Insurance Company Limited | Unity Health |
🟨 Market Share in South Africa | <1% | 5%> | <5% |
🟩 Gap Cover Waiting Period | 3 – 12 months | 3 – 12 months | 3 – 12 months |
🟦 Do Exclusions Apply | ✅ Yes | ✅ Yes | ✅ Yes |
🟪 Average Monthly Premium | R430 | R334 | R441 |
🟥 Oncology Benefit | ✅ Yes | ✅ Yes | None |
🟧 In-Hospital Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
🟨 Out-of-Hospital Cover | ✅ Yes | ✅ Yes | ✅ Yes |
🟩 Maternity Benefit | None | ✅ Yes | None |
🟦 Scopes and Scans | None | ✅ Yes | ✅ Yes |
🟪 Co-payment Cover | None | ✅ Yes | ✅ Yes |
🟥 Emergency Room | ✅ Yes | ✅ Yes | ✅ Yes |
🟧 Accidental Cover | ✅ Yes | ✅ Yes | None |
🟨 Trauma Counseling | None | ✅ Yes | ✅ Yes |
🟩 Premium Waiver | None | ✅ Yes | ✅ Yes |
🟦 Non-DSP Co-Payment | None | ✅ Yes | None |
🟪 Prostheses | None | ✅ Yes | ✅ Yes |
🟥 Travel Cover Extender | None | None | None |
🟧 Accidental Death/ Permanent Disability | None | ✅ Yes | ✅ Yes |
According to our findings, Medway GapXtra is a comprehensive gap plan offered by Medway with a starting price of R430 per month. It provides various benefits, including cover for medical procedures in the doctor’s rooms, consumables for hospital disposables, and shortfall cover.
However, we implore potential policyholders to consider that Medway GapXtra does not provide maternity benefits or cover for oncology treatments. This is because it might be a drawback for individuals seeking these types of cover.
Ultimately, we can conclude that the suitability of Medway GapXtra will depend on the individual or family’s specific needs and preferences.
Medway GapXtra is a medical shortfall solution that includes all the benefits of GapCore plus additional benefits. It covers in-hospital charges above a sub-limit that your medical scheme may impose on certain procedures and treatments.
Medical schemes place sub-limits on certain types of procedures to manage their exposure. This means they place a maximum on the amount available to pay for that type of procedure or treatment.
The starting price for Medway GapXtra is R430 per month. However, it is important to note that the price may vary depending on individual circumstances and cover needs.
Guardrisk, a reputable insurance provider, underwrites Medway.
Yes, Medway GapXtra provides cover for medical procedures performed in the doctor’s rooms, reducing the financial burden of these procedures.
We work with leading medical aid companies in South Africa.
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