Sirago Gap Cover
Overall, Sirago Gap Cover is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Sirago Gap Cover Plans start from R131 ZAR. Sirago has a trust score of 4.4.
Sirago Gap Cover has eight plans to choose from:
| 🟥 Date Established | 1993 |
| 🟧 Underwriters | GENRIC Insurance Company Limited (FSP: 43638) |
| 🟨 Headquartered | Eastern Free State, South Africa |
| 🟩 Number of Markets | South Africa |
| 🟦 Market Share | >10% |
| 🟪 The number of plans offered | 8 |
| 🟥 Mobile App offered | None |
Sirago Gap Cover – 18 Key Point Quick Overview
- ✅ Sirago Gap Cover Premiums
- ✅ Sirago Gap Cover – Advantages Over Competitors
- ✅ Sirago Gap Only Features
- ✅ Sirago Gap Lite Features
- ✅ Sirago Gap Assist Features
- ✅ Sirago Plus Gap Features
- ✅ Sirago Ultimate Gap Features
- ✅ Sirago Exact Cover Features
- ✅ Sirago Exact Cover with Gap and Co-Pay
- ✅ Sirago Gov-Gap Cover Features
- ✅ How to apply for Gap Cover with Sirago
- ✅ How can I change my Sirago Gap Cover option?
- ✅ How to Submit a Claim for Gap Cover with Sirago
- ✅ Sirago Gap Cover Exclusions and Waiting Periods
- ✅ Sirago Gap Cover vs. Other Notable Providers
- ✅ Sirago Gap Cover Pros and Cons
- ✅ Our Verdict on Sirago Gap Cover
- ✅ Sirago Gap Cover Frequently Asked Questions
Sirago Gap Cover Premiums
Gap Only Premiums
| 🅰️ Age Limit | 🅱️ Monthly Contribution |
| 🟧 Overall Annual Limit per Beneficiary | R191,000 |
| 🟨 Price per Individual | R131 |
| 🟩 Price per Family | R172 |
Gap Lite Premiums
| 🅰️ Age Limit | 🅱️ Monthly Contribution |
| 🟧 Overall Annual Limit per Beneficiary | R191,000 |
| 🟨 Price per Individual who is between 0 – 64 years old | R249 |
| 🟩 Price per Family with beneficiaries from 0 – 64 years old | R269 |
| 🟦 Price per Individual who is >65 years old | R369 |
| 🟪 Price per Family with a beneficiary of >65 years old | R419 |
Gap Assist Premiums
| 🅰️ Age Limit | 🅱️ Monthly Contribution |
| 🟧 Overall Annual Limit per Beneficiary | R191,000 |
| 🟨 Price per Individual who is between 0 – 64 years old | R342 |
| 🟩 Price per Family with beneficiaries from 0 – 64 years old | R371 |
| 🟦 Price per Individual who is >65 years old | R539 |
| 🟪 Price per Family with a beneficiary of >65 years old | R583 |
Plus Gap Premiums
| 🅰️ Age Limit | 🅱️ Monthly Contribution |
| 🟧 Overall Annual Limit per Beneficiary | R191,000 |
| 🟨 Price per Individual who is between 0 – 64 years old | R395 |
| 🟩 Price per Family with beneficiaries from 0 – 64 years old | R452 |
| 🟦 Price per Individual who is >65 years old | R615 |
| 🟪 Price per Family with a beneficiary of >65 years old | R701 |
Ultimate Gap Premiums
| 🅰️ Age Limit | 🅱️ Monthly Contribution |
| 🟧 Overall Annual Limit per Beneficiary | R191,000 |
| 🟨 Price per Individual who is between 0 – 64 years old | R498 |
| 🟩 Price per Family with beneficiaries from 0 – 64 years old | R566 |
| 🟦 Price per Individual who is >65 years old | R714 |
| 🟪 Price per Family with a beneficiary of >65 years old | R821 |
Exact Cover Premiums
| 🅰️ Age Limit | 🅱️ Monthly Contribution |
| 🟧 Overall Annual Limit per Beneficiary | R140,000 |
| 🟨 Price per Individual who is between 0 – 64 years old | R195 |
| 🟩 Price per Family with beneficiaries from 0 – 64 years old | R225 |
| 🟦 Price per Individual who is >65 years old | R412 |
| 🟪 Price per Family with a beneficiary of >65 years old | R508 |
Exact Cover with Gap and Co-Pay Premiums
| 🅰️ Age Limit | 🅱️ Monthly Contribution |
| 🟧 Overall Annual Limit per Beneficiary | R140,000 – R191,000 |
| 🟨 Price per Individual who is between 0 – 64 years old | R349 |
| 🟩 Price per Family with beneficiaries from 0 – 64 years old | R395 |
| 🟦 Price per Individual who is >65 years old | R737 |
| 🟪 Price per Family with a beneficiary of >65 years old | R887 |
Gov-Gap Cover Premiums
| 🅰️ Age Limit | 🅱️ Monthly Contribution |
| 🟧 Price per Individual who is between 0 – 64 years old | R350 |
| 🟨 Price per Family with beneficiaries from 0 – 64 years old | R405 |
Sirago Gap Cover – Advantages Over Competitors
Choosing Sirago Gap Cover comes with a long list of advantages, including:
- ✅ Comprehensive Cover. Sirago Gap Cover offers a wide range of cover options to help you pay for the difference between what your medical scheme covers and the actual costs of medical treatment. This can include benefits for emergency room visits, specialist consultations, and cancer treatment, among others.
- ✅ Financial Protection. Having Sirago Gap Cover can ensure that you are financially protected in a medical emergency or unexpected illness. With sub-limits and payment options available, you can rest assured that you will be able to manage the costs of medical treatment effectively.
- ✅ User-Friendly Services. Sirago Gap Cover makes it easy to access your benefits and manage your policy. This includes an efficient online claim process, a free alternative dispute resolution service, and a team of friendly and professional consultants who are always available to help.
With Sirago Gap Cover, you can focus on getting the medical treatment you need without worrying about the financial implications.
Sirago Gap Only Features
In-Hospital Benefits
Gap Cover
- ✅ Gap Cover pays the difference between the medical scheme rate and the rate doctors and specialists charge.
- ✅ Sirago covers up to 200% above your medical plan’s rates or the stated benefit value, with a maximum of 300% cover.
- ✅ The OAL governs this benefit.
Day Hospital, Clinic, or In-Room Surgical Procedures
- ✅ Suppose you decide to have an in-patient procedure done as an out-patient. In that case, this benefit will pay the difference between what the hospital would have charged and what you paid.
- ✅ The OAL governs this benefit.
Prescribed Minimum Benefit (PMB)
- ✅ Regardless of their chosen medical plan, all scheme members are entitled to the PMB or prescribed minimum benefits.
- ✅ The full cost of diagnosis and treatment for a set of predetermined medical conditions must be covered by medical schemes.
- ✅ This plan will pay for any costs you incur because of using an unapproved medical professional for your scheduled PMB procedure. Therefore, in a critical situation, this would not apply.
This benefit only applies if you meet the OAL.
Sirago Gap Lite Features
In-Hospital Benefits
Gap Cover
- ✅ Gap Cover is a policy that pays the difference between the rate charged by medical service providers and the rate covered by a medical scheme.
- ✅ The cover amount is up to 250% above the medical scheme rate or the stated benefit value, with a maximum limit of 350%.
- ✅ The terms and conditions of this cover are outlined in the policy’s Overall Annual Limit (OAL).
Day Hospital, Clinic, or In-Room Surgical Procedures
- ✅ This benefit covers the shortfall for day hospital/clinic or in-room procedures if the treatment is elected as an outpatient instead of in-hospital.
- ✅ The terms and conditions of this cover are outlined in the OAL.
Co-Payments / Co-Payments charged as a percentage
- ✅ The co-payment cover provides cover for co-payments, excesses, or deductibles imposed by a medical scheme for specific procedures, including hospital admission fees, scans, or surgical procedures.
- ✅ In addition, this benefit has a sub-limit of R25 000 per policy and R7 500 per claim, subject to the OAL.
Penalty Fee Co-Payments
- ✅ This benefit has a sub-limit of R5 000 per claim, per policy for penalty fees imposed by a medical scheme for the use of a non-designated service provider or network hospital, regardless of whether it is a set amount or expressed as a percentage.
- ✅ This also applies to the use of a partial-cover network hospital.
- ✅ The terms and conditions of this cover are outlined in the OAL.
Prescribed Minimum Benefit (PMB)
- ✅ Prescribed Minimum Benefits (PMB) provide all medical scheme members with access to a minimum set of health benefits, regardless of the medical scheme option chosen.
- ✅ Medical schemes must pay the full cost of diagnosing and treating a defined list of medical conditions.
- ✅ The PMB Cover on this policy pays for shortfalls caused by using a service provider who isn’t on the list for a planned PMB procedure.
- ✅ The terms and conditions of this cover are outlined in the OAL.
Out-of-Hospital Benefits
Emergency Room
- ✅ The Emergency Room Cover has a sub-limit of R4,500. It covers the costs incurred due to an emergency, whether caused by an accident, trauma, or illness, at any registered emergency facility, hospital, or casualty center.
- ✅ In the absence of an emergency hospital, the benefit also covers a general practitioner’s emergency facility within a 30 km radius.
- ✅ Members should note that ambulance costs are not covered under this benefit.
Accidental and Trauma
- ✅ In case of an accident or trauma, all costs associated with the event will be covered, regardless of whether you or your medical scheme pays for it.
Illness
- ✅ No Emergency Illness Benefit is available for beneficiaries 9 years and older under the Sirago policy.
Child Emergency Illness
- ✅ This benefit applies to children 8 and younger who require emergency treatment for illness outside normal consultation hours or that can only be done in an emergency room.
- ✅ All costs related to the event will be covered, whether you or your medical scheme pays for it.
- ✅ “Out of normal consultation hours” refers to the period between 18:00 and 07:00 from Monday to Friday and all day on weekends and South African public holidays.
- ✅ Subject to the OAL.
Value-Added Benefits
Sira’GO Baby
Sirago will pay a lump sum of R1,500 for a newborn child if the birth certificate is submitted within 90 days of birth.
Sirago Gap Assist Features
In-Hospital Benefits
Gap Cover
- ✅ Gap Cover provides cover for the difference between the medical scheme rate and the rate charged by service providers, such as doctors and specialists.
- ✅ The cover extends to 500% above the medical scheme rate or the stated benefit value, with a maximum of 600%.
- ✅ This cover is subject to the OAL (Other Applicable Limits).
Hospital Account Shortfalls
- ✅ This benefit will cover hospital account charges not covered by the medical plan, such as consumables and take-home medication.
- ✅ Sirago will pay up to R3,000 per policy, R500 per claim, and a maximum of three claims per beneficiary.
- ✅ A sub-limit of R1,000 applies to private room upgrades, and the OAL governs the benefit.
Day Hospital, Clinic, or In-Room Surgical Procedures
- ✅ This benefit provides cover for shortfalls related to day hospital/clinic or in-room procedures if the patient elects to have the treatment normally performed in-hospital as an outpatient.
- ✅ This cover is subject to the OAL.
Co-Payments / Co-Payments charged as a percentage
- ✅ The Co-payment Cover feature is intended to cover co-payments, excesses, and deductibles imposed by a medical scheme for specified procedures, hospital admission fees, scans, or surgical procedures.
- ✅ Co-payments will be covered up to a sub-limit of R42 000 per policy and R11 000 per claim, subject to the OAL.
Penalty Fee Co-Payments
- ✅ Penalty Fee Co-payments benefit has a sub-limit of R6 000 per claim.
- ✅ It is limited to one claim per policy, regardless of whether the medical scheme charges a rand amount or a percentage penalty fee.
- ✅ This cover applies if you use a non-designated service provider or network hospital.
- ✅ It also applies if you use a network hospital with partial cover, and this cover is subject to the OAL.
Prescribed Minimum Benefit (PMB)
- ✅ Prescribed Minimum Benefits (PMB) ensure access to certain minimum health benefits for all scheme members, regardless of their medical scheme option.
- ✅ Medical schemes must pay the full cost of diagnosing and treating a defined list of medical conditions.
- ✅ The PMB cover under this policy is meant to protect any deficit caused by using an unauthorized service provider for a pre-arranged PMB procedure.
- ✅ However, this cover is not applicable in emergencies and is subject to the OAL.
Out-of-Hospital Benefits
Emergency Room
- ✅ The sublimit for all Emergency Room Cover is R6,500. This benefit covers emergency care at any registered emergency, hospital, or casualty facility if you require immediate medical care due to an accident, trauma, or illness.
- ✅ Sirago will cover the emergency facility of a general practitioner (GP) if there is no emergency hospital within 30 kilometers.
- ✅ This benefit does not cover the cost of an ambulance.
Appliances
Sirago will pay up to R3,600 per policy and R1,200 per claim for the difference between the medical scheme benefit amount and what the service provider charges for the following:
- ✅ Hearing aids
- ✅ Wheelchairs
- ✅ Humidifiers
- ✅ Insulin pumps
- ✅ Glucometers
- ✅ Nebulizers,
- ✅ Mirena device
and many more.
Accidental and Trauma
- ✅ All costs associated with the accident/trauma event will be covered, regardless of whether you are responsible for paying them out of your pocket or your medical plan pays for them out of its savings.
Illness
- ✅ There is no cover for Emergency Illness for beneficiaries nine years and older under the Sirago policy.
Child Emergency Illness
- ✅ This benefit applies to children under 8 years old who require emergency treatment for illness outside of regular consultation hours or treatment that can only be administered in an emergency room.
- ✅ All costs associated with the event will be covered, whether you are responsible for paying them out of your pocket or your medical plan pays them out of your savings.
- ✅ After-hours consultation hours are Monday through Friday from 6 pm to 7 am and the entirety of Saturday, Sunday, and South African public holidays.
Value-Added Benefits
Sira’GO Baby
- ✅ Sirago will provide a lump sum payment of R1,500 for the newborn baby of a policyholder upon receipt of the birth certificate within 90 days of birth.
Cancer Benefits
Cancer Co-Payments
- ✅ This benefit is applicable if your medical plan’s cancer benefit has been exhausted and a co-payment is required. This benefit includes co-payments for ongoing cancer treatments and biological medications.
- ✅ To be eligible for this benefit of up to R20,000 per claim, ongoing treatment must comply with your medical plan’s registered treatment plan.
- ✅ The OAL governs this benefit.
Cancer Boost
- ✅ This benefit applies if your medical plan’s cancer cover option has a predetermined Rand limit. Once the limit is reached, we will cover ongoing treatment costs per the medical scheme’s registered treatment plan.
- ✅ All claims are subject to a sub-limit of R50,000 per beneficiary.
The OAL governs this benefit.
Sirago Plus Gap Features
In-Hospital Benefits
Gap Cover
- ✅ Gap Cover provides cover for the difference between the medical scheme rate and the rate charged by service providers, such as doctors and specialists.
- ✅ The cover extends to 500% above the medical scheme rate or the stated benefit value, with a maximum of 600%.
- ✅ Claims for robotic surgery reflect on the hospital account.
- ✅ Suppose a robotic surgery-related claim appears on the hospital’s account. In that case, Sirago will cover up to R18 000 per policy, with a maximum of R6 000 per claim per beneficiary.
- ✅ This cover is subject to the OAL (Other Applicable Limits).
Hospital Account Shortfalls
- ✅ This benefit will cover hospital account charges not covered by the medical plan, such as consumables and take-home medication.
- ✅ Sirago will pay up to R4,000 per policy, R850 per claim, and a maximum of three claims per beneficiary.
- ✅ A sub-limit of R1,000 applies to private room upgrades, and the OAL governs the benefit.
Day Hospital, Clinic, or In-Room Surgical Procedures
- ✅ This benefit provides cover for shortfalls related to day hospital/clinic or in-room procedures if the patient elects to have the treatment normally performed in-hospital as an outpatient.
- ✅ This cover is subject to the OAL.
Co-Payments / Co-Payments charged as a percentage
- ✅ The Co-payment Cover feature is intended to cover co-payments, excesses, and deductibles imposed by a medical scheme for specified procedures, hospital admission fees, scans, or surgical procedures.
Penalty Fee Co-Payments
- ✅ Penalty Fee Co-payments benefit has a sub-limit of R9,500 per claim.
- ✅ It is limited to one claim per policy, regardless of whether the medical scheme charges a rand amount or a percentage penalty fee.
- ✅ This cover applies if you use a non-designated service provider or network hospital.
- ✅ It also applies if you choose to use a partial-cover network hospital.
- ✅ This cover is subject to the OAL.
Sub-Limit Enhancer Benefit
- ✅ This benefit is subject to a sublimit of R30,000 per policy and R11,500 per claim.
- ✅ The sub-limit enhancer benefit is applicable when you have exceeded your medical plan’s benefit limit for MRI and CT scans and internal prostheses.
- ✅ The OAL governs this benefit.
Prescribed Minimum Benefit (PMB)
- ✅ Prescribed Minimum Benefits (PMB) ensure access to certain minimum health benefits for all scheme members, regardless of their medical scheme option.
- ✅ Medical schemes must pay the full cost of diagnosing and treating a defined list of medical conditions.
- ✅ The PMB cover under this policy is meant to protect any deficit caused by using an unauthorized service provider for a pre-arranged PMB procedure.
- ✅ However, this cover is not applicable in emergencies and is subject to the OAL.
Out-of-Hospital Benefits
Emergency Room
- ✅ The sublimit for all Emergency Room Cover is R9,000.
- ✅ This benefit covers emergency care at any registered emergency, hospital, or casualty facility if you require immediate medical care due to an accident, trauma, or illness.
- ✅ Sirago will cover the emergency facility of a general practitioner (GP) if there is no emergency hospital within 30 kilometers.
- ✅ This benefit does not cover the cost of an ambulance.
Preventative Care
If your medical plan option includes preventative care benefits, an R4,000 sub-limit will apply. Each claim will receive up to R800.
The following procedures or tests are covered under this benefit:
- ✅ Pap smear
- ✅ Cholesterol test
- ✅ Blood glucose test
- ✅ Flu vaccination
- ✅ Childhood immunizations (Department of Health formulary) – up to 12 years of age,
- ✅ Bone density scans
- ✅ Prostate-specific antigen tests
- ✅ Mammogram
- ✅ Contraceptive implantation only, excluding device.
Alternatively, suppose there is no benefit available when the claim is made. In that case, a contribution of up to R500 will be paid toward the cost of any of the treatments or tests listed above, with a limit of two claims per policy for this circumstance. The OAL governs this benefit.
Appliances
Sirago will pay up to R5,000 per policy and R1,200 per claim for the difference between the medical scheme benefit amount and what the service provider charges for the following:
- ✅ Hearing aids
- ✅ Wheelchairs
- ✅ Humidifiers
- ✅ Insulin pumps
- ✅ Glucometers
- ✅ Nebulizers,
- ✅ Mirena device
and more.
Accidental and Trauma
- ✅ All costs associated with the accident/trauma event will be covered, regardless of whether you are responsible for paying them out of your pocket or your medical plan pays for them out of its savings.
Illness
- ✅ All costs associated with the emergency illness event will be covered and paid up to the sub-limit of R1,000 if you are responsible for paying the costs out of pocket or if paid from your medical scheme savings.
- ✅ This provision applies to all beneficiaries aged 9 and older who require emergency care outside of normal consultation hours or care that can only be administered in an emergency room.
Child Emergency Illness
- ✅ This benefit applies to children under 8 years old who require emergency treatment for illness outside of regular consultation hours or treatment that can only be administered in an emergency room.
- ✅ All costs associated with the event will be covered, whether you are responsible for paying them out of your pocket or your medical plan pays them out of your savings.
- ✅ After-hours consultation hours are Monday through Friday from 6 pm to 7 am and the entirety of Saturday, Sunday, and South African public holidays.
Trauma Counselling
- ✅ This benefit covers trauma counseling with a registered medical professional following a traumatic event, such as dread disease, hijacking, or violent crime.
- ✅ A sublimit of R4,000 per policy and R800 per claim will apply.
- ✅ You are covered for the first six months following the incident.
Day-to-Day Specialist Consultations
- ✅ This benefit covers the difference between the medical scheme rate and the specialist’s consultation rate only if your medical aid pays a portion of the fee from your savings.
- ✅ Sub-limits of R4,500 per policy, R950 per claim, and three claims per beneficiary apply.
- ✅ The benefit depends on the OAL.
Value-Added Benefits
Sira’GO Baby
- ✅ Sirago will pay a lump sum of R1,800 for your newborn if you submit the birth certificate within 90 days of the child’s birth.
First Cancer Diagnosis
- ✅ This benefit will pay a lump sum of R17,000 upon the initial diagnosis of stage 1 cancer.
- ✅ Before the policy is started, any cancer or pre-cancer is excluded, including skin cancer.
Sirago Medcare – Free ADR
- ✅ If a PMB claim does not meet the criteria for a valid claim, you will have access to MedCare’s free alternative dispute resolution (ADR) service for claims exceeding R9,000.
- ✅ You can also access the MedCare service for claims less than R9,000, including any potential medical scheme disputes, at a discounted rate of 60%, 20%, or 15%, depending on the service required.
- ✅ Your financial advisor has access to the MedCare website and can use this service on your behalf.
Accidental Death
- ✅ This benefit will be paid out in the event of accidental death at the following rates: R8,500 for the Sirago policyholder.
- ✅ R5,500 for adult dependents.
- ✅ R3,000 for child dependents.
Premium Waiver (Gap Cover)
- ✅ If the Sirago policyholder dies or becomes totally and permanently disabled, the surviving spouse or adult dependent may file a claim for a Premium Waiver benefit.
- ✅ We will hold your policy’s premiums as a credit for six months.
Premium Waiver (Medical Aid)
- ✅ Sirago will pay the medical scheme premium, up to a maximum of R3,750 per month over six months.
- ✅ In the event of the death or total and permanent disability of the Sirago policyholder and where all beneficiaries are linked to a single medical scheme, this will be paid to the beneficiary for the maintenance of medical scheme contributions.
- ✅ This benefit is only payable for the policyholder’s original medical plan in the event of dual medical plan membership.
Cancer Benefits
Cancer Co-Payments
- ✅ This benefit is applicable if your medical plan’s cancer benefit has been exhausted and a co-payment is required. This benefit includes co-payments for ongoing cancer treatments and biological medications.
- ✅ To be eligible for this benefit of up to R20,000 per claim, ongoing treatment must comply with your medical plan’s registered treatment plan.
The OAL governs this benefit.
Sirago Ultimate Gap Features
In-Hospital Benefits
Gap Cover
- ✅ Gap Cover provides cover for the difference between the medical scheme rate and the rate charged by service providers, such as doctors and specialists.
- ✅ The cover extends to 500% above the medical scheme rate or the stated benefit value, with a maximum of 600%.
- ✅ For robotic surgery claims that reflect on the hospital account, Sirago will cover up to R35,000 per policy, with a maximum of R19,000 per claim.
- ✅ Only the Ultimate option pays the shortfall for claims with BMI (Body Mass Index) codes 0018 and 0019.
- ✅ This cover is subject to the OAL (Other Applicable Limits).
Hospital Account Shortfalls
- ✅ This benefit will cover hospital account charges that the medical plan has not paid for, such as consumables and take-home medication.
- ✅ Sirago will reimburse up to R6,500 per policy and R1,350 per claim. A sub-limit of R2000 applies to private room upgrades.
Day Hospital, Clinic, or In-Room Surgical Procedures
- ✅ This benefit provides cover for shortfalls related to day hospital/clinic or in-room procedures if the patient elects to have the treatment normally performed in-hospital as an outpatient.
- ✅ This cover is subject to the OAL.
Co-Payments / Co-Payments charged as a percentage
- ✅ The Co-payment Cover feature is intended to cover co-payments, excesses, and deductibles imposed by a medical scheme for specified procedures, hospital admission fees, scans, or surgical procedures.
Penalty Fee Co-Payments
- ✅ Penalty Fee Co-payments benefit has a sub-limit of R14,000 per claim.
- ✅ It is limited to 3 claims per policy, regardless of whether the medical scheme charges a rand amount or a percentage penalty fee.
- ✅ This cover applies in the case of a voluntary choice to use a service provider or hospital outside of the designated network, including those partially covered under the network.
- ✅ This cover is subject to the OAL.
Sub-Limit Enhancer Benefit
- ✅ This benefit is subject to a sublimit of R26,500 per claim.
- ✅ The sub-limit enhancer benefit is applicable when you have exceeded your medical plan’s benefit limit for MRI and CT scans and internal prostheses.
- ✅ The OAL governs this benefit.
Prescribed Minimum Benefit (PMB)
- ✅ Prescribed Minimum Benefits (PMB) ensure access to certain minimum health benefits for all scheme members, regardless of their medical scheme option.
- ✅ Medical schemes must pay the full cost of diagnosing and treating a defined list of medical conditions.
- ✅ This policy’s PMB Cover is intended to cover shortfalls caused by the use of a non-designated service provider for a planned PMB procedure.
- ✅ However, this cover is not applicable in emergencies and is subject to the OAL.
Step-Down Facilities
- ✅ Suppose your medical scheme provides benefits for rehabilitation as an in-patient in a step-down or sub-acute facility. In that case, there is a sub-limit of R11,000 per policy.
- ✅ Cover will be provided for ongoing treatments resulting from an accident, stroke, or cancer treatment after the benefit limits of your medical plan have been met.
- ✅ The OAL governs this benefit.
Out-of-Hospital Benefits
Emergency Room
- ✅ The sublimit for all Emergency Room Cover is R12,000.
- ✅ This benefit covers emergency care at any registered emergency, hospital, or casualty facility if you require immediate medical care due to an accident, trauma, or illness.
- ✅ Sirago will cover the emergency facility of a general practitioner (GP) if there is no emergency hospital within 30 kilometers.
- ✅ This benefit does not cover the cost of an ambulance.
Preventative Care
If your medical plan option includes preventative care benefits, an R8,000 sub-limit will apply. Each claim will receive up to R1,250.
The following procedures or tests are covered:
- ✅ Pap smear
- ✅ Cholesterol test
- ✅ Blood glucose test
- ✅ Flu vaccination
- ✅ Childhood immunizations (Department of Health formulary) – up to 12 years of age,
- ✅ Bone density scans
- ✅ Prostate-specific antigen tests
- ✅ Mammogram
- ✅ Contraceptive implantation only, excluding device.
Alternatively, suppose benefits are not available at the time of a claim. In that case, the policy will pay up to R500 for the appropriate treatments or tests, with a maximum of two claims per policy. The OAL governs this benefit.
Appliances
Sirago will pay up to R7,000 per policy for the difference between the medical scheme benefit amount and what the service provider charges for the following:
- ✅ Hearing aids
- ✅ Wheelchairs
- ✅ Humidifiers
- ✅ Insulin pumps
- ✅ Glucometers
- ✅ Nebulizers,
- ✅ Mirena device
and more.
Accidental and Trauma
- ✅ All costs associated with the accident/trauma event will be covered, regardless of whether you are responsible for paying them out of your pocket or your medical plan pays for them out of its savings.
Illness
- ✅ All costs associated with the emergency illness event will be covered and paid up to the sub-limit of R2,000 if you are responsible for paying the costs out of pocket or if paid from your medical scheme savings.
- ✅ This provision applies to all beneficiaries aged 9 and older who require emergency care outside of normal consultation hours or care that can only be administered in an emergency room.
Child Emergency Illness
- ✅ This benefit applies to children under 8 years old who require emergency treatment for illness outside of regular consultation hours or treatment that can only be administered in an emergency room.
- ✅ All costs associated with the event will be covered, whether you are responsible for paying them out of your pocket or your medical plan pays them out of your savings.
- ✅ After-hours consultation hours are Monday through Friday from 6 pm to 7 am and the entirety of Saturday, Sunday, and South African public holidays.
Trauma Counselling
- ✅ This benefit covers trauma counseling with a registered medical professional following a traumatic event, such as dread disease, hijacking, or violent crime.
- ✅ A sublimit of R8,000 per policy and R950 per claim will apply.
- ✅ You are covered for the first six months following the incident.
Day-to-Day Specialist Consultations
- ✅ This benefit covers the difference between the medical scheme rate and the specialist’s consultation rate only if your medical aid pays a portion of the fee from your savings.
- ✅ Sub-limits of R6,500 per policy, R1,350 per claim, and three claims per beneficiary apply.
- ✅ The benefit depends on the OAL.
Value-Added Benefits
Sira’GO Baby
- ✅ Sirago will pay a lump sum of R2,000 for your newborn if you submit the birth certificate within 90 days of the child’s birth.
First Cancer Diagnosis
- ✅ This benefit will pay a lump sum of R27,500 upon the initial diagnosis of stage 1 cancer.
- ✅ Before the policy is started, any cancer or pre-cancer is excluded, including skin cancer.
Sirago Medcare – Free ADR
- ✅ If a PMB claim does not meet the criteria for a valid claim, you will have access to MedCare’s free alternative dispute resolution (ADR) service for claims exceeding R9,000.
- ✅ You can also access the MedCare service for claims less than R9,000, including any potential medical scheme disputes, at a discounted rate of 60%, 20%, or 15%, depending on the service required.
- ✅ Your financial advisor has access to the MedCare website and can use this service on your behalf.
Accidental Death
This benefit will be paid out in the event of accidental death at the following rates:
- ✅ R16,000 for the Sirago policyholder.
- ✅ R11,000 for adult dependents.
- ✅ R6,000 for child dependents.
Premium Waiver (Gap Cover)
- ✅ If the Sirago policyholder dies or becomes totally and permanently disabled, the surviving spouse or adult dependent may file a claim for a Premium Waiver benefit.
- ✅ We will hold your policy’s premiums as a credit for six months.
Premium Waiver (Medical Aid)
- ✅ Sirago will pay the medical scheme premium, up to a maximum of R5,250 per month over six months.
- ✅ In the event of the death or total and permanent disability of the Sirago policyholder and where all beneficiaries are linked to a single medical scheme, this will be paid to the beneficiary for the maintenance of medical scheme contributions.
- ✅ This benefit is only payable for the policyholder’s original medical plan in the event of dual medical plan membership.
Cancer Benefits
Cancer Co-Payments
- ✅ You are eligible for this payment if you have exhausted your medical plan’s cancer benefit and must make a percentage co-payment instead.
- ✅ This benefit covers the cost of ongoing cancer treatments and biological drugs.
- ✅ This benefit is only available if your ongoing treatment aligns with your medical scheme’s registered treatment plan.
- ✅ The OAL governs this benefit.
Cancer Boost
- ✅ If your medical scheme for cancer has a set dollar amount, you may be eligible for this benefit.
- ✅ After the initial rand limit is met, Sirago will cover ongoing treatment costs according to the medical scheme’s registered treatment plan.
- ✅ The OAL governs this benefit.
Cancer Breast Reconstruction
- ✅ If your health insurance plan allows it, we will pay for reconstructive surgery on the amputated breast after a mastectomy.
- ✅ If the scheme does not pay for the reconstruction of the healthy breast, the patient can receive up to R27,500.
- ✅ To qualify for this benefit, the member must have taken a policy with Sirago at the time of the mastectomy or held a policy for at least one year after transferring from another Gap Provider.
The OAL governs this benefit.
Sirago Exact Cover Features
Exact Cover Features
When your chosen medical insurance plan specifically excludes a service, Sirago Exact Cover will still cover it if it is on a predetermined list of covered services. Sirago will manage all negotiations with service providers and make direct payments on your claim up to the specified amounts below. Furthermore, the covered expenses include the total cost incurred by the hospital and all other service providers.
Members should note that the following limits apply to Exact Cover:
| 🔎 Procedure | 📈 Cover Limit | 📉 Procedure | 📊 Cover Limit |
| 🟥 Arthroscopic Surgery | R75,000 | Joint Replacement Surgery | R50,000 |
| 🟧 Back and Neck Surgery | R75,000 | Oesophageal reflux and hiatus hernia surgery | R60,000 |
| 🟨 Bunion Surgery | R20,000 | Varicose vein surgery | R22,500 |
| 🟩 A cochlear implant, auditory brain implant, and internal nerve Stimulator surgery, including the device and processor | R85,000 | Knee and shoulder surgery | R20,000 |
| 🟦 Dental procedures for reconstructive plastic surgery due to an accident | R80,000 | MRI and CT scans due to an accident | R10,000 |
| 🟪 Dental procedures for impacted wisdom teeth for children under 18 years old | R15,000 | Emergency casualty benefit: Accident & Trauma, Children under 8 years old (max R4 000) | R6,000 |
| 🟥 Functional Nasal Surgery | R25,000 | Skin disorders, including benign growths and lymphoma | R20,000 |
| 🟧 Non-cancerous breast conditions | R20,000 | Endoscopic Procedures | R5,000 |
Exact Cover-Specific Exclusions
- ✅ Sirago does not list any medical procedures specifically excluded from your medical scheme.
- ✅ Shortfalls after Sirago has paid the cover limit for the authorized procedure, for procedures on Sirago’s list if your medical scheme paid a portion towards the account.
Exact Cover-Specific Waiting Periods
- ✅ There is a 10-month period during which no claims for the specified procedures or surgeries can be submitted.
Pre-existing conditions, certain diseases, and illnesses related to the services must wait 12 months before receiving treatment.
Sirago Exact Cover with Gap and Co-Pay
Exact Cover Features
With additional Gap and Co-Pay cover, the Exact with Gap and Co-Pay option covers services that your medical scheme does not. When your Medical Scheme option excludes those procedures in addition to its standard exclusions, the Exact Cover option will allow you to access a defined list of stated procedures.
To the extent of the amounts specified below, Sirago will oversee all negotiations with service providers and make direct payments to cover your claim. The covered amount includes the total price of medical care received at the hospital and from any other service providers.
Members should note that the following limits apply to Exact Cover:
| 🔎 Procedure | 📉 Cover Limit | 📈 Procedure | 📊 Cover Limit |
| 🟥 Arthroscopic Surgery | R75,000 | Joint Replacement Surgery | R50,000 |
| 🟧 Back and Neck Surgery | R75,000 | Oesophageal reflux and hiatus hernia surgery | R60,000 |
| 🟨 Bunion Surgery | R20,000 | Varicose vein surgery | R22,500 |
| 🟩 The cochlear implant, auditory brain implant, and internal nerve Stimulator surgery, including the device and processor | R85,000 | Knee and shoulder surgery | R20,000 |
| 🟦 Dental procedures for reconstructive plastic surgery due to an accident | R80,000 | MRI and CT scans due to an accident | R10,000 |
| 🟪 Dental procedures for impacted wisdom teeth for children under 18 years old | R15,000 | Emergency casualty benefit: Accident & Trauma, Children under 8 years old (max R4 000) | R6,000 |
| 🟥 Functional Nasal Surgery | R25,000 | Skin disorders, including benign growths and lymphoma | R20,000 |
| 🟧 Non-cancerous breast conditions | R20,000 | Endoscopic Procedures | R5,000 |
Exact Cover-Specific Exclusions
- ✅ Sirago does not list any medical procedures specifically excluded from your medical scheme.
- ✅ Shortfalls after Sirago has paid the cover limit for the authorized procedure, for procedures on Sirago’s list if your medical scheme paid a portion towards the account.
- ✅ Any shortfalls after Sirago has paid the cover limit for the authorized procedure.
Exact Cover-Specific Waiting Periods
- ✅ There is a 10-month period during which no claims for the specified procedures or surgeries can be submitted.
- ✅ Pre-existing conditions, certain diseases, and illnesses related to the services must wait 12 months before receiving treatment.
Gap & Co-Pay Cover In-Hospital Benefits
- ✅ Sirago gap cover pays the difference between the medical scheme rate and the rate doctors and specialists charge.
- ✅ Sirago will cover from 300% up to 400% more than your medical scheme rates or the stated benefit value.
Gap & Co-Pay Cover Value-Added Benefits
- ✅ Cover for co-payments (including co-payments expressed as a percentage), excesses, or deductibles imposed by a medical scheme for specific procedures, as well as hospital admission fees, scans, and surgical procedures.
Sirago provides cover of up to R21,000 per policy and R7,000 per claim.
Sirago Gov-Gap Cover Features
This policy is intended only for government employees of the State. Furthermore, eligible members must have a valid and current Persal number. This cover will automatically terminate at the end of the year when the policyholder turns 65.
In-Hospital Benefits
Gap Cover
- ✅ The policy covers up to 500% of the medical scheme rates or the stated benefit value, with a maximum cover of 600%.
Co-Payments
- ✅ Co-payments, which are imposed by the medical scheme, will be paid up to a sub-limit of R40,000 per policy and R6,000 per claim. This includes co-payments imposed for hospital admissions, scans, and surgical procedures.
Day Hospital, In-Room Procedures, Clinic Cover
- ✅ If the medical scheme pre-authorizes or you choose to have treatment at a day hospital, clinic, or doctor’s room, the policy will pay for the gap portion of the claims.
Prescribed Minimum Benefit (PMB)
- ✅ The PMB Cover is for shortfalls resulting from using a non-designated service provider for a planned PMB procedure, subject to R30,000 per claim. This does not apply in case of an emergency.
Hospital Account Shortfalls.
- ✅ The policy will cover charges on the hospital account that have not been paid by the medical scheme, such as consumables and take-home medication, up to R5,500 per policy, R1,500 per claim, and 2 claims per beneficiary.
Sub-limit Enhancer
The sub-limit enhancer benefit has a sub-limit of R45,000 per policy and R16,000 per claim, limited to 3 per policy and 2 per beneficiary. This benefit applies when the medical scheme’s benefit limit has been exceeded for MRI and CT scans, intraocular lenses, and internal prostheses.
Out-of-Hospital Benefits
Emergency Room Visits
- ✅ The emergency room cover has a sub-limit of R8 000.
- ✅ This benefit is applicable in the case of an emergency where immediate medical treatment is required due to an accident, trauma, or illness.
- ✅ This benefit covers the costs at any registered emergency hospital or casualty facility. In the absence of an emergency hospital within a 30 km radius, the costs incurred at a general practitioner’s emergency facility will be covered.
Accident or Trauma
- ✅ In the event of an accident, all costs related to the incident will be covered, regardless of whether the policyholder is liable to pay the costs out of pocket or if their medical scheme covers the expenses from their savings.
Illness
- ✅ In the event of a visit to an emergency room due to a medical emergency caused by illness, the policy will cover the gap portion or the amount above the medical scheme rate when the medical scheme pays a portion.
- ✅ The cover is up to the sub-limit of R8 000.
In-Room / Day-to-Day Medical Specialist Consultations
- ✅ This benefit covers the difference between the medical scheme rate and the specialist’s rate for consultation, up to a sub-limit of R4 000 per policy, R800 per claim, and 3 claims per beneficiary.
- ✅ This is subject to the benefit design of the policyholder’s chosen medical scheme option.
Cancer Benefits
Cancer Boost
- ✅ The cancer boost benefit is applicable if the policyholder’s medical scheme option for cancer has a defined limit.
- ✅ The ongoing treatment costs in line with the medical scheme’s registered treatment plan will be covered once the rand limit has been reached.
This is subject to the OAL.
Value-Added Benefits
Gap Cover Premium Waiver
- ✅ If the policyholder dies or becomes totally and permanently disabled, the premiums for their policy will be kept as a credit for 6 months.
- ✅ The surviving adult dependent can claim this credit.
Medical Scheme Premium Waiver
- ✅ In the case of the policyholder’s death or if they become totally and permanently disabled, and all beneficiaries are linked to the same medical scheme, a claim for the medical scheme premium of the actual rand amount of the contribution will be paid, up to a sub-limit of R3 000 per month for 4 months.
- ✅ In the case of dependents on different medical schemes, this benefit will only be payable for the policyholder’s medical scheme.
Accidental Death
- ✅ In the event of accidental death, the policy will pay a benefit of R6 000 for the policyholder, R5 000 for the adult-dependent, and R3 000 for child dependents.
Initial Cancer Diagnosis
The policy will pay a lump sum of R7 500 on the initial cancer diagnosis per beneficiary, excluding any incidence of cancer or pre-cancer before the policy’s inception and specifically excluding skin cancer.
How to apply for Gap Cover with Sirago
To apply for Gap Cover with Sirago, follow these easy steps:
- ✅ Go to the Sirago website and click on the “Get Gap Cover” banner.
- ✅ Review the plans online or download the brochures to gain insight into available options.
- ✅ Call Sirago Gap Cover or request a callback to have an agent walk you through the application process.
- ✅ Alternatively, click on the “Downloads” tab from the main panel and scroll down to “Forms.”
- ✅ Click on “Gap Application Form” and wait for the digital application to load.
Complete the following application sections:
- ✅ Intermediary Details
- ✅ Policyholder Details
- ✅ Dependents (if applicable)
- ✅ Nominated Beneficiary
- ✅ Specific Health Questions
- ✅ Option Selection
- ✅ Statistics
- ✅ Debit Order Details and Debit Authority Consent
- ✅ Broker Fee Arrangement (if applicable)
Read the terms and conditions before downloading, saving, and emailing the application to Sirago.
How can I change my Sirago Gap Cover option?
To change your option with Sirago, follow these steps:
- ✅ Call Sirago Gap Cover or request a callback to have an agent walk you through the product amendment process.
- ✅ Alternatively, click on the “Downloads” tab from the main panel and scroll down to “Forms.”
- ✅ Click on “Product Amendment” and wait for the digital form to load.
Complete the needed application sections.
How to Submit a Claim for Gap Cover with Sirago
To submit a claim with Sirago, follow these steps:
- ✅ Visit the Sirago website and click on the homepage’s green “Submit a Claim” banner.
- ✅ Wait for the Claim form to load, and complete the steps as indicated.
The claim will be submitted to Sirago, and an agent will contact you to provide an update or to request more information.
Sirago Gap Cover Exclusions and Waiting Periods
The Sirago Gap Cover Exclusions and Waiting Periods apply to all plans except the exact cover.
Sirago Gap Cover Exclusions
Policy Exclusions
Benefits are not paid for the following exclusions:
- ✅ Claims that your medical plan has not been authorized unless they fall within the benefit entitlement.
- ✅ Claims that exceed the annual utilization or benefit maximum.
Short-Term Exclusions
Sirago Gap Cover does not cover the following:
- ✅ Any riot, strike, public or domestic disorder, civil commotion, or work stoppage.
- ✅ Active military duty, police duty, police reserve duty, civil unrest, labor disturbances, riot, strike, or locked-out worker activities.
- ✅ Preventing the government from dealing with or regulating any of the activities.
- ✅ Compensation is according to section 85 of the War Damage Insurance Act of 1976.
- ✅ Nuclear weapons, nuclear materials, and ionizing radiation
- ✅ Engaging in illegal conduct in the Republic of South Africa.
- ✅ Damages resulting from contractual obligations.
- ✅ Consequential loss or damage.
General Exclusions
The following are excluded from the cover by Sirago Gap Cover:
- ✅ Any pre-existing disease, disorder, or condition for six months.
- ✅ Any pre-existing cancer condition, disease, disorder, or illness for one year.
- ✅ Claims for routine or recurring diagnostic medical treatment.
- ✅ Diseases or injuries caused by alcohol or drug abuse.
- ✅ Any psychological or psychiatric disorder.
- ✅ Suicide or attempted suicide.
- ✅ Used medication, drugs, prescriptions, consumables, and equipment unless covered under this policy’s benefit provisions.
- ✅ Cosmetic surgery unless defined as a covered benefit under this policy.
- ✅ Optional procedures.
and many more. A full list of exclusions will be provided by Sirago.
Sirago Gap Cover Waiting Periods
General Waiting Periods
- ✅ Newly established policies and the addition of dependents to an existing policy are subject to a 3-month general waiting period unless an emergency exists.
- ✅ There is a 10-month waiting period for pre-existing conditions, diseases, and illnesses.
Policy-Specific Waiting Periods
- ✅ The following conditions are not covered during the first six months of the policy’s inception:
- ✅ From month 7 to month 10, fifty percent of benefits will be paid on claims.
- ✅ As of the eleventh month, all policy benefits will be accessible, barring any condition-specific exclusions.
Certain Benefit Categories
- ✅ There is a 10-month waiting period for pregnancy and delivery.
- ✅ There is a three-month waiting period for accidental death, permanent total disability, and premium waivers.
- ✅ Primary Cancer A three-month waiting period precedes the diagnosis.
- ✅ There is a 12-month waiting period for all pre-existing cancer treatments.
Transfer of Cover
- ✅ All waiting periods are waived if you have maintained cover for at least a year with your current provider.
- ✅ If you are currently serving a waiting period with your current provider, the balance is transferable to Sirago.
Cover Upgrades
- ✅ Suppose the Sirago policyholder has held a policy for 12 consecutive months and wishes to upgrade to a higher option. There will be a 3-month waiting period for all additional benefits in that case.
If a Sirago policyholder with less than 12 consecutive months of cover wishes to upgrade to a higher option, the difference between the remaining and a 3-month waiting period on additional benefits will be applied.
Sirago Gap Cover vs. Other Notable Providers
| 🔎 Gap Cover Provider | 🥇 Sirago | 🥈 Discovery Health | 🥉 Liberty |
| 🟥 Underwriters | Sirago Underwriting Managers | Discovery Insure Ltd | Guardrisk Life Limited (FSP 76) |
| 🟧 Number of Plans | 8 | 2 | 2 |
| 🟨 Average Price | R131 | R130 | R333 |
| 🟩 Waiting Periods | 3 months | 12 Months | 12 Months |
| 🟦 Exclusions | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟪 Oncology Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟥 In-Hospital Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟧 Out-of-Hospital Cover | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟨 Maternity Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟩 Scopes and Scans | None | ✅ Yes | ✅ Yes |
| 🟦 Co-payment Cover | ✅ Yes | None | ✅ Yes |
| 🟪 Emergency Room | ✅ Yes | None | ✅ Yes |
| 🟥 Accidental Cover | ✅ Yes | None | ✅ Yes |
| 🟧 Trauma Counseling | ✅ Yes | None | ✅ Yes |
| 🟨 Premium Waiver | ✅ Yes | None | ✅ Yes |
| 🟩 Non-DSP Co-Payment | ✅ Yes | None | ✅ Yes |
| 🟦 Prostheses | None | None | ✅ Yes |
| 🟪 Accidental Death/ Permanent Disability | ✅ Yes | ✅ Yes | None |
| 🟥 Travel Cover Extender | None | None | ✅ Yes |
Sirago Gap Cover Pros and Cons
| ✅ Pros | ❎ Cons |
| Sirago Gap Cover is adaptable because it gives you the freedom to pick the level of protection that is most suitable for you from among several available alternatives | Additional insurance like Sirago Gap Cover comes with a monthly premium. The total cost of your insurance policy may go up because of this |
| Reimbursement for covered expenses is simple with Sirago Gap Cover’s streamlined claims process | Sirago Gap Cover has restrictions on the types of medical services and procedures that are paid for |
| Sirago Gap Cover is a financial safety net that pays for healthcare costs not covered by your medical scheme. This aids in making sure that you do not have to shell out a lot of cash for medical care. | The policy’s terms, conditions, and benefits can be confusing to consumers |
READ more about the 5 Best Gap Cover Options for Under R200
Our Verdict on Sirago Gap Cover
Sirago Gap Cover is a comprehensive gap cover that compensates for the difference between the medical scheme rate and the provider rate. As a result, the medical scheme rate is increased by 500%, much more than other gap covers in South Africa.
This benefit covers emergency care for an accident, injury, or illness at any registered emergency facility. Sirago stands out as it offers more options than most other providers, and South Africans can choose a plan that suits their needs perfectly instead of settling for one of two options.
Sirago offers several benefits on each tier of gap cover and even provides a specific and tailor-made option for Government Employees in South Africa.
Sirago Gap Cover Frequently Asked Questions
What is Sirago Gap Cover?
Sirago Gap Cover is a type of insurance policy that helps cover the gap between the amount medical schemes pay for medical services and the actual cost of those services. It is meant to provide an extra layer of financial protection for policyholders.
What are the available Sirago Gap Cover Options for 2023?
Sirago offers eight different plans: Gap Only, Gap Lite, Gap Assist, Plus Gap, Ultimate Gap, Exact Cover, Exact Cover with Gap and Co-Pay, and Gov-Gap Cover.
Who is eligible for Sirago Gap Cover?
Eligibility for Sirago Gap Cover is typically dependent on the specific policy. However, individuals who are members of a medical scheme are generally eligible to apply for gap cover.
What cover does Sirago Gap Cover provide?
Sirago Gap Cover covers the difference between the amount medical schemes pay for medical services and the actual cost of those services up to a specified limit. This includes costs related to emergency room visits, accidental injuries, illnesses, specialist consultations, and more.
Is Sirago Gap Cover a standalone policy, or must it be taken with a medical scheme?
Sirago Gap Cover is typically taken in conjunction with a medical scheme, but this varies depending on the specific policy. Furthermore, you do not need to use the gap cover of a medical scheme, and you can choose your own gap cover if your scheme allows this. However, not all medical aid schemes in South Africa offer gap cover, and members must arrange their own.
What is the cost of the Sirago Gap Cover?
The cost of Sirago Gap Cover varies depending on factors such as the specific policy, the level of cover, and the policyholder’s age and health status. Sirago’s plans start from R131 for basic gap cover.
Can I change my Sirago Gap Cover option?
Yes, you can change your Sirago Gap Cover option if it no longer meets your needs.
Are there any limitations or exclusions for Sirago Gap Cover?
Yes, there are limitations and exclusions for Sirago Gap Cover, such as certain medical conditions or treatments that are not covered. These limitations or exclusions will depend on your gap cover plan with Sirago.
How do I claim with Sirago Gap Cover?
To claim with Sirago Gap Cover, you may need to provide specific information and documentation, such as proof of medical expenses and a letter from your medical scheme.
