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Overall, Medway Heritage Essential Senior is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Medway Heritage Essential Senior Plan starts from R335 ZAR. Medway has a trust score of 4.1.
π Provider | π₯ Medway Heritage Essential Senior |
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 | R335 |
π₯ Oncology Benefit | β Yes |
π§ In-Hospital Benefit | β Yes |
π¨ Out-of-Hospital Cover | β Yes |
The Medway Heritage Essential Senior is one of ten plans that starts from R335 per month. The Medway Heritage Essential Senior plan has benefits for trauma expenses for accidental injury and cancer, premium waivers, sub-limits, co-payments for MRIs and CT scans, and more.
Medway Gap CoverΒ has nine plans to choose from
π Gap Cover Option | πΆ Average Price Per Month |
π₯ Heritage Essential Senior (Government) | From R335 per month |
π§ Sub-Limit Extender | Additional R112per month |
π¨ Co-Payment Cover | Additional R163 per month |
π© Trauma Expenses Booster | Additional R174 per month |
π₯ Gap Cover | Covers hospital practitioner shortfalls up to R177,800 per person per year. Includes outpatient kidney dialysis, chemo and radiotherapy for cancer, doctor-performed hospital procedures, bandages, gauze sponges, and gloves. Allows R3,000 for hospital disposables. |
π§ Sub-Limit Lite | Covers up to R10,000 per family per year for hospitalization, outpatient chemo, radiotherapy, kidney dialysis, or day admission for a non-rescribed Minimum Benefit condition. |
π¨ 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 from R500 to R1,000 daily for general anesthesia surgery for accidental injury. |
π¦ Cancer Treatment Cover | Pays R150,000 above the medical scheme sub-limit for private facility cancer treatment and biological drugs for defined oncological benefits. |
πͺ Sub-Limit Extender | Increases annual sub-limit cover to R177,800 per family. Increases Sub-limit Lite from R10,000 to R177,800 per person per year. Prosthesis sub-limit of R45,000 per person per year. Provides R3,000 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 cover has an annual limit of R177,800 per person. Provides up to R13,500 for non-network hospital use with a co-payment. |
π§ Trauma Expenses Booster | Accidental injury outpatient expenses are up to R10,000 per family per year. Cancer care costs R10,000 after diagnosis. Pays non-medical surgery expenses daily. |
Medway Gap Cover Exclusions include:
Bodily harm or illness caused by acts of war, military engagements, uprisings, or revolutions 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 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.
π Provider | π₯ Medway Heritage Essential Senior | π₯ Stratum Benefits Corporate Elite | π₯ Standard Bank GapAssist Essential |
π₯ Years in Operation | 35 years | 24 years | 61 years (Standard Bank) |
π§ Underwriters | Guardrisk | Guardrisk Insurance Company Limited (FSP 75) | Standard Insurance Limited |
π¨ Market Share in South Africa | <1% | >5% | <10% |
π© Gap Cover Waiting Period | 3 β 12 months | 3 Months | 12 Months |
π¦ Do Exclusions Apply | β Yes | β Yes | β Yes |
πͺ Average Monthly Premium | R335 | N/A | R351 |
π₯ Oncology Benefit | β Yes | β Yes | None |
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 | None |
π₯ Emergency Room | β Yes | β Yes | β Yes |
π§ Accidental Cover | β Yes | β Yes | β Yes |
π¨ Trauma Counseling | None | β Yes | β Yes |
π© Premium Waiver | β Yes | None | β Yes |
π¦ Non-DSP Co-Payment | β Yes | None | None |
πͺ Prostheses | β Yes | β Yes | None |
π₯ Travel Cover Extender | None | β Yes | None |
π§ Accidental Death/ Permanent Disability | β Yes | β Yes | β Yes |
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According to our research, the Medway Heritage Essential Senior plan is a comprehensive medical gap cover geared towards seniors, starting from R335 per month. The plan includes benefits like trauma expense coverage, cancer treatment coverage, premium waivers, and the ability to add additional services.
According to our findings, this plan might be ideal for seniors seeking extensive in-hospital, out-of-hospital, and trauma coverage, along with unique features like a premium waiver in case of accidental death.
However, despite its offerings, the plan lacks benefits such as maternity cover and a travel extender, which some competitors offer.
The Medway Heritage Essential Senior Plan is a medical gap cover plan designed for senior citizens, offering cover for trauma expenses, cancer treatments, premium waivers in case of accidental death, and more, with a starting premium of R335 per month.
You can add features such as a Sub-Limit Extender, Co-Payment Cover, and Trauma Expenses Booster to your Heritage Essential Senior plan for additional monthly premiums.
The Premium Waiver feature covers the premiums of surviving dependents for 12 months in the event of the accidental death of the principal insured.
The gap cover waiting period for the Medway Heritage Essential Senior Plan varies from 3 to 12 months.
Yes, the Heritage Essential Senior plan includes out-of-hospital cover and in-hospital and oncology benefits.
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