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NetcarePlus GapCare 300+ (🇿🇦 2025)

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 R375 ZAR. NetcarePlus GapCare has a trust score of 4.1.

🔎 Provider	🥇 NetcarePlus GapCare 300+
🟥 Years in Operation	27 years
🟧 Underwriters	The Hollard Insurance Company Limited
🟨 Market Share in South Africa	<5%
🟩 Gap Cover Waiting Period	3 – 12 months
🟦 Do Exclusions Apply	✅ Yes
🟪 Average Monthly Premium	R375
🟥 Oncology Benefit	✅ Yes
🟧 In-Hospital Benefit	✅ Yes
🟨 Out-of-Hospital Cover	✅ Yes

NetcarePlus GapCare 300+ – 7 Key Point Quick Overview

NetcarePlus GapCare 300+ Overview

The NetcarePlus GapCare 300+ is one of three plans that starts from R375 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 Cover has three plans to choose from:

- NetcarePlus GapCare 500 Plus
- NetcarePlus GapCare 300 Plus
- GapCare

NetcarePlus GapCare 300+ Premiums

🅰️ NetcarePlus GapCare 300+ Plan	🅱️ Monthly Premium
GapCare 300+	From 375 per month

NetcarePlus GapCare 300+ Benefits and Cover Breakdown

NetcarePlus GapCare In-Hospital Benefits

🟥 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.
🟧 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.
🟨 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.
🟩 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 R11,200 for healthcare facilities outside the NetcarePlus network.
🟦 Charges Exceeding Sub-Limits	Sub-limits may be applied by the insured person’s 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.
🟪 Emergency Treatment in an Emergency Department	This covers insured persons when they require medical emergency treatment, including the following: Shortfalls on doctors’ claims up to 300% of the medical scheme tariff. Out-of-pocket expenses paid when the insured’s 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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NetcarePlus GapCare Maternity In-and Out-of-Hospital Benefits

🟥 Private Ward Cover	NetcarePlus covers the difference between the general ward fee that the insured’s medical aid covers and the private ward fee for a maternity admission, subject to availability.
🟧 Hospital Birth	NetcarePlus covers the following if the insured chooses a hospital in the network: Maternity fees charged, including: “Back to Basics” 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.
🟨 Day-to-Day Maternity Benefits	NetcarePlus covers the difference between what the gynecologist/Obstetrician charges and the amount covered by the member’s medical aid for prenatal visits. When the member’s 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.

NetcarePlus GapCare Out-of-Hospital and Day-to-Day Benefits

🟦 Out-of-Hospital Specialist Shortfalls

When the member’s 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.

🟪 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+ Exclusions and Waiting Periods

NetcarePlus GapCare Exclusions

💙NetcarePlus GapCare 300+ has the following exclusions:

✅ Claims not processed by your medical scheme or excluded.
✅ Claims exceeding benefit-specific or overall annual limits.
✅ Events occurring when you were not insured.
✅ Events during waiting periods, unless for accidents or traumatic events.
✅ Failure to obtain pre-authorization or comply with medical aid rules.
✅ Non-recognized tariff codes (excluding procedure and consultation codes).
✅ Claims for healthcare services outside South Africa.
✅ Neglecting to use the NetcarePlus network when required.
✅ Services or benefits not included in the Policy.
✅ Suicide, attempted suicide, or intentional self-injury.
✅ Willful exposure to danger, except when attempting to save a human life.

Use of any drug or narcotic, legal or illegal, without a Medical Practitioner’s prescription and instructions, will be excluded.

NetcarePlus GapCare Waiting Periods

💙NetcarePlus GapCare 300+ has the following typical waiting periods that apply:

✅ A General waiting period of 3 months applies to all claims except those arising from accidents or traumatic events.

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.

NetcarePlus GapCare 300+ vs Other Gap Cover Plans

🔎 Provider	🥇 NetcarePlus GapCare 300+	🥈Sirago Exact Cover with Gap and Co-Pay	🥉 Stratum Benefits Access Co-Pay Plus300
🟥 Years in Operation	27 years	30 years	24 years
🟧 Underwriters	The Hollard Insurance Company Limited	GENRIC Insurance Company Limited (FSP: 43638)	Guardrisk Insurance Company Limited (FSP 75)
🟨 Market Share in South Africa	<5%	>10%	>5%
🟩 Gap Cover Waiting Period	3 – 12 months	From 3 months (up to 12)	3 Months
🟦 Do Exclusions Apply	✅ Yes	✅ Yes	✅ Yes
🟪 Average Monthly Premium	R375	R413	R404
🟥 Oncology Benefit	✅ Yes	None	✅ Yes
🟧 In-Hospital Benefit	✅ Yes	✅ Yes	✅ Yes
🟨 Out-of-Hospital Cover	✅ Yes	None	✅ Yes
🟩 Maternity Benefit	✅ Yes	None	✅ Yes
🟦 Scopes and Scans	✅ Yes	✅ Yes	✅ Yes
🟪 Co-payment Cover	✅ Yes	✅ Yes	✅ Yes
🟥 Emergency Room	✅ Yes	✅ Yes	✅ Yes
🟧 Accidental Cover	✅ Yes	✅ Yes	✅ Yes
🟨 Trauma Counseling	✅ Yes	None	None
🟩 Premium Waiver	✅ Yes	✅ Yes	None
🟦 Non-DSP Co-Payment	✅ Yes	None	None
🟪 Prostheses	None	✅ Yes	✅ Yes
🟥 Travel Cover Extender	None	None	None
🟧 Accidental Death/ Permanent Disability	None	✅ Yes	✅ Yes

Our Verdict on NetcarePlus GapCare 300+

Our research shows that NetcarePlus GapCare 300+ stands out as a comprehensive gap cover plan in South Africa. 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 plan’s affordability is another appealing aspect, with monthly premiums starting at just R375.

NetcarePlus GapCare 300+ Frequently Asked Questions

What does GapCare 300+ cover?

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.

How long has Netcare been operating?

Netcare has been operating for 27 years, providing a track record of experience and reliability.

Who underwrites GapCare 300+?

NetcarePlus is underwritten by The Hollard Insurance Company Limited, a reputable insurance provider.

What is the cost of GapCare 300+?

The monthly premiums for GapCare 300+ start from R375, making it an affordable option for additional cover.

Are there waiting periods for GapCare 300+?

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.

Adriaan Schoeman

Adriaan holds an MBA and specializes in medical aid research. With his commitment to perfection, he ensures the accuracy of all data presented on medicalaid.com every three months. When he is not conducting research, Adriaan can be found indulging in his passion for trout fishing amidst nature.