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Overall, Medway Heritage Essential is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Medway Heritage Essential Plan starts from R335 ZAR. Medway has a trust score of 4.1.
🔎 Provider | 🥇 Medway Heritage Essential |
🟥 Years in Operation | 35 years |
🟧 Market Share in South Africa | <1% |
🟨 Gap Cover Waiting Period | 3 – 12 months |
🟩 Do Exclusions Apply | ✅ Yes |
🟦 Average Monthly Premium | R335 |
🟪 Oncology Benefit | ✅ Yes |
🟥 In-Hospital Benefit | ✅ Yes |
🟧 Out-of-Hospital Cover | ✅ Yes |
🟨 Maternity Benefit | None |
The Medway Heritage Essential is one of ten plans that starts from R335 per month. The Medway Heritage Essential plan has benefits for trauma plans, cancer treatment, sub-limit extenders, trauma expenses, and more.
Medway Gap Cover has nine plans to choose from
🅰️ Gap Cover Option | 🅱️ Average Price Per Month |
🟧 Heritage Essential (Government) | From R335 per month |
🟨 Sub-Limit Extender | Additional R58 per month |
🟩 Co-Payment Cover | Additional R85 per month |
🟦 Trauma Expenses Booster | Additional R90 per month |
🟥 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 R3,000 for hospital disposables. |
🟧 Sub-Limit Lite | Covers hospitalization, outpatient chemotherapy, radiotherapy, kidney dialysis, or day admission for a non-rescribed Minimum Benefit condition up to R10,000 per family per year. |
🟨 Trauma Plan | Provides daily non-medical expenses for accidental injury hospitalization. Pays R500 and R1,00 per day for general anesthesia surgery. |
🟩 Cancer Treatment Cover | Pays R150,000 above the medical scheme sub-limit for traditional cancer treatment and biological drugs for defined oncological benefits. |
🟦 Sub-Limit Extender | Increases medical expense sub-limit cover to R185,000 per person per year. Increases Sub-limit Lite benefit to R185,000 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. |
🟪 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 R185,000 per person. Provides up to R13,500 for non-network hospital use with a co-payment. |
🟥 Trauma Expenses Booster | Covers accidental injury outpatient expenses up to R10,000 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 R3,000 for hospital disposables. Limited to R10,000 per family per year for medical expenses above the medical scheme sub-limitation. |
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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 Heritage Essential | 🥈 Turnberry Med-Extend | 🥉 Zestlife Essential |
🟥 Years in Operation | 35 years | 22 years | 3 years |
🟧 Market Share in South Africa | <1% | <5% | >15% |
🟨 Gap Cover Waiting Period | 3 – 12 months | 3 – 12 months | 3 – 12 months |
🟩 Do Exclusions Apply | ✅ Yes | ✅ Yes | ✅ Yes |
🟦 Average Monthly Premium | R335 | R366 | R351 |
🟪 Oncology Benefit | ✅ Yes | None | None |
🟥 In-Hospital Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
🟧 Out-of-Hospital Cover | ✅ Yes | None | None |
🟨 Maternity Benefit | None | None | None |
🟩 Scopes and Scans | ✅ Yes | ✅ Yes | ✅ Yes |
🟦 Co-payment Cover | ✅ Yes | ✅ Yes | None |
🟪 Emergency Room | ✅ Yes | ✅ Yes | ✅ Yes |
🟥 Accidental Cover | ✅ Yes | ✅ Yes | None |
🟧 Trauma Counseling | None | None | ✅ Yes |
🟨 Premium Waiver | ✅ Yes | None | ✅ Yes |
🟩 Non-DSP Co-Payment | ✅ Yes | None | None |
🟦 Prostheses | ✅ Yes | None | None |
🟪 Travel Cover Extender | None | ✅ Yes | None |
🟥 Accidental Death/ Permanent Disability | ✅ Yes | None | ✅ Yes |
The Medway Heritage Essential plan is a comprehensive gap cover option designed for government employees in South Africa. It offers additional coverage to supplement their existing medical scheme benefits. In addition, the plan provides a range of benefits, including gap cover, out-of-hospital cover, co-payment cover, and more.
However, there are some limitations to consider. Our research shows that the Heritage Essential plan has a waiting period of 3 to 12 months, and certain exclusions apply. Furthermore, it does not include a maternity benefit, and trauma counseling is not covered.
The Medway Heritage Essential plan suits government employees wanting to enhance their medical scheme cover.
Medway Heritage Essential is a comprehensive gap cover plan designed for government employees. It provides additional coverage for medical expenses not fully covered by their existing medical scheme.
Medway Heritage Essential is suitable for government employees in South Africa who wish to enhance their medical scheme benefits with additional cover.
Medway Heritage Essential has some limitations. For example, it does not include a maternity benefit, or cover for trauma counseling, and certain expenses may have sub-limits. Additionally, the plan has exclusions that may impact the coverage.
Medway Heritage Essential offers comprehensive coverage, but its market share is relatively small compared to other providers. Therefore, it is important to compare different plans’ benefits, limitations, and prices to determine which one best suits your needs.
Yes, Medway Heritage Essential has a waiting period of 3 to 12 months. Unfortunately, this means that certain benefits will only become active after the waiting period has passed.
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