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Overall, NetcarePlus GapCare 300+ is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The NetcarePlus GapCare 300+ Plan starts from R325 ZAR. NetcarePlus GapCare has a trust score of 4.1.
π Provider | π₯ NetcarePlus GapCare 300+ |
π₯ Years in Operation | 27 years |
π§ Underwriters | The Hollard Insurance Company Limited |
π¨ Market Share in South Africa | <5% |
π© Gap Cover Waiting Period | 3 β 12 months |
π¦ Do Exclusions Apply | β Yes |
πͺ Average Monthly Premium | R325 |
π₯ Oncology Benefit | β Yes |
π§ In-Hospital Benefit | β Yes |
π¨ Out-of-Hospital Cover | β Yes |
The NetcarePlus GapCare 300+ is one of three plans that starts from R325 per month. The NetcarePlus GapCare 300+ plan has benefits for charges that exceed medical aid sub-limits, casualties, private ward cover for maternity admissions, and more.
NetcarePlus GapCare Gap CoverΒ has two plans to choose from:
π °οΈ NetcarePlus GapCare 300+ Plan | π ±οΈ Monthly Premium |
GapCare 300+ | From 325 per month |
π₯ In-Hospital Specialist Shortfall | Covers up to 300% of the medical aid scheme tariff. Includes approved medical procedures in specialist rooms, hospitals, and day hospitals. All consultations are covered when the insured person is hospitalized. |
π§ Co-Payments and Deductibles | Covers upfront payments that medical schemes require for certain procedures, including scopes and scans (MRI, CT, etc.) performed in-hospital or when the insured person goes to a day clinic. The cover amount is either a fixed cost or a percentage of the overall cost. |
π¨ Cancer Treatment Benefits | NetcarePlus covers oncology shortfalls on related treatments when insured persons use a non-DSP. Co-payments are applied for certain cancer-related treatments. Co-payments will apply when the insured person reaches the oncology limit of their medical scheme. |
π© Out-of-Network/Non-DSP Hospital Co-pays | When the insured person uses a healthcare provider outside the medical scheme network voluntarily, NetcarePlus will cover the co-payment, and the following will apply: Unlimited hospital admissions within the NetcarePlus network. Limited to one hospital admission annually, up to R10,000 for healthcare facilities outside the NetcarePlus network. |
π¦ Charges Exceeding Sub-Limits | Sub-limits may be applied by the insured personβs medical aid regarding certain in-hospital medical procedures, prosthetics, the allowed stay in mental health institutions, rehabilitation, step-down or sub-acute facilities. Therefore, NetcarePlus will pay up to R35,000 for each insured person per year. |
πͺ Emergency Treatment in an Emergency Department | This covers insured persons when they require medical emergency treatment, including the following: Shortfalls on doctorsβ claims up to 300% of the medical scheme tariff. Out-of-pocket expenses paid when the insuredβs medical savings have run out, or they reach their day-to-day sub-limit, are covered up to R20,000 per policy per year, subject to the overall annual limit. The following are covered under this benefit: Consultation fees for the doctor Facility fees Basic radiology, specialized radiology, pathology Medical appliances Medication |
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π₯ Private Ward Cover | NetcarePlus covers the difference between the general ward fee that the insuredβs medical aid covers and the private ward fee for a maternity admission, subject to availability. |
π§ Hospital Birth | NetcarePlus covers the following if the insured chooses a hospital in the network: Maternity fees charged, including: βBack to Basicsβ book. One 4D Ultrasound. Netcare Baby Gift Bag. Mandatory Hearing Screening for newborns. First Baby Immunisations (BCG and Polio) One check-up visits two weeks after birth. 24-hour crisis line. Antenatal classes at a NetcarePlus network hospital. |
π¨ Day-to-Day Maternity Benefits | NetcarePlus covers the difference between what the gynecologist/Obstetrician charges and the amount covered by the memberβs medical aid for prenatal visits. When the memberβs medical saving is depleted or they have reached the day-to-day benefits of their scheme, NetcarePlus offers the following: Prenatal testing for high-risk pregnancies is limited to R25,000 for every pregnancy. Baby immunization per the latest government schedule. |
π¦ Out-of-Hospital Specialist Shortfalls | When the memberβs medical aid has only paid a portion of out-of-hospital specialist consults, NetcarePlus will cover shortfalls for the following: Out-of-hospital consultations. Medical treatment is provided out-of-hospital. |
πͺ Day-to-Day Expenses Exceeding Medical Aid Limits | Once the insured member depletes their Medical Savings Account or they reach day-to-day benefit sub-limits, NetcarePlus will cover the following: Medical specialist consultations are required, deemed necessary by a GP. Basic Dentistry. Specialized Dentistry, including root canals, pulp removal, specialized x-rays, and reconstructive dentistry because of an accident and a trauma event. Specialized radiology and pathology deemed necessary by a GP or medical specialist for treatment or diagnosis. |
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NetcarePlus GapCare 300+ has the following exclusions:
Use of any drug or narcotic, legal or illegal, without a Medical Practitionerβs prescription and instructions, will be excluded.
NetcarePlus GapCare 300+ has the following typical waiting periods that apply:
A Waiting period of 12 months for claims related to illnesses or medical conditions diagnosed, advised, or treated within the 12 months before your policy start date.
π Provider | π₯ NetcarePlus GapCare 300+ | π₯ Sirago Exact Cover with Gap and Co-Pay | π₯ Stratum Benefits Access Co-Pay Plus300 |
π₯ Years in Operation | 27 years | 30 years | 24 years |
π§ Underwriters | The Hollard Insurance Company Limited | GENRIC Insurance Company Limited (FSP: 43638) | Guardrisk Insurance Company Limited (FSP 75) |
π¨ Market Share in South Africa | <5% | >10% | >5% |
π© Gap Cover Waiting Period | 3 β 12 months | From 3 months (up to 12) | 3 Months |
π¦ Do Exclusions Apply | β Yes | β Yes | β Yes |
πͺ Average Monthly Premium | R325 | R349 | R344 |
π₯ Oncology Benefit | β Yes | None | β Yes |
π§ In-Hospital Benefit | β Yes | β Yes | β Yes |
π¨ Out-of-Hospital Cover | β Yes | None | β Yes |
π© Maternity Benefit | β Yes | None | β Yes |
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 | β Yes |
π¨ Trauma Counseling | β Yes | None | None |
π© Premium Waiver | β Yes | β Yes | None |
π¦ Non-DSP Co-Payment | β Yes | None | None |
πͺ Prostheses | None | β Yes | β Yes |
π₯ Travel Cover Extender | None | None | None |
π§ Accidental Death/ Permanent Disability | None | β Yes | β Yes |
Our research shows that NetcarePlus GapCare 300+ stands out as a comprehensive gap cover plan in South Africa.Β It offers a wide range of benefits, including cover for charges that surpass medical aid sub-limits, oncology treatments, both in-hospital and out-of-hospital expenses, maternity care, and emergency treatments.
The planβs affordability is another appealing aspect, with monthly premiums starting at just R325.
GapCare 300+ covers charges that exceed medical aid sub-limits, oncology treatments, in-hospital and out-of-hospital expenses, maternity care, emergency treatments, and more.
Netcare has been operating for 27 years, providing a track record of experience and reliability.
NetcarePlus is underwritten by The Hollard Insurance Company Limited, a reputable insurance provider.
The monthly premiums for GapCare 300+ start from R325, making it an affordable option for additional cover.
Yes, there are waiting periods. A general waiting period of 3 months applies to all claims except those arising from accidents or traumatic events. There is also a waiting period of 12 months for claims related to pre-existing conditions.
We work with leading medical aid companies in South Africa.
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