Sirago Exact Cover with Gap and Co-Pay (🇿🇦 2025*)

  💙 Overall, Sirago Exact Gap Cover with Gap and Co-Pay is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Sirago Exact Cover with Gap and Co-Pay Plan starts from R413 ZAR. Sirago has a trust score of 4.4.    

Sirago Exact Cover with Gap and Co-Pay - 7 Key Point Quick Overview

1. ✅ Sirago Exact Cover with Gap and Co-Pay Overview
2. ✅ Sirago Exact Cover with Gap and Co-Pay Premiums
3. ✅ Sirago Exact Cover with Gap and Co-Pay Benefits and Cover Breakdown
4. ✅ Sirago Exact Cover with Gap and Co-Pay Exclusions and Waiting Periods
5. ✅ Sirago Exact Cover with Gap and Co-Pay vs Other Gap Cover Plans
6. ✅ Our Verdict on Sirago’s Exact Cover with Gap and Co-Pay
7. ✅ Sirago Exact Cover with Gap and Co-Pay Frequently Asked Questions

Sirago Exact Cover with Gap and Co-Pay Overview

  💙 The Sirago Exact Cover with Gap and Co-Pay is one of eight plans that starts from R413 per month. Sirago’s Exact Cover with Gap and Co-Pay has benefits for various surgeries, procedures, and treatments in the hospital.   👉 Sirago Gap Cover has six plans to choose from:   ✅ Sirago Ultimate Gap ✅ Sirago Plus Gap ✅Sirago Gap Core ✅ Sirago Gap Assist ✅ Sirago Exact Cover with Gap and Co-Pay ✅ Sirago Gap Liberal

Sirago Exact Cover with Gap and Co-Pay Premiums

   

Sirago Exact Cover with Gap and Co-Pay Benefits and Cover Breakdown

  💙 The Exact with Gap and Co-Pay option provides supplementary cover for services not included in your medical scheme, including those procedures that your Medical Scheme option specifically excludes in addition to its standard exclusions.  This option avails a specific list of procedures. Sirago takes responsibility for negotiating with service providers and directly paying for your claim up to the amounts specified below.   💙 The cover includes the total cost incurred at the hospital and by any other service providers. However, members should note that the following limits apply to Exact Cover:     Exact Cover with Gap and Co-Pay | Gap Cover

• ✅ This cover bridges the gap between the rate charged by service providers, such as doctors and specialists, and the rate your medical scheme pays.
• ✅ Sirago will provide cover up to 300% above your medical scheme rates or at the stated benefit value, up to a maximum of 400%.
• ✅ This is subject to the Overall Annual Limit (OAL).

Exact Cover with Gap and Co-Pay | Co-Payments

• ✅ This cover is designed for co-payments (including those expressed as a percentage), excesses, or deductibles imposed by a medical scheme for specific procedures, hospital admission fees, scans, or surgical procedures.
• ✅ Sirago covers up to R21,000 per policy and R7,000 per claim, subject to the OAL.

Exact Cover with Gap and Co-Pay | Gap Cover Premium Waiver

• ✅ In the event of the death or total permanent disability of the Sirago policyholder, the surviving spouse or adult dependent on the Sirago policy can claim a Premium Waiver benefit.
• ✅ Sirago will hold the premiums for your policy as a credit for 6 months.

Exact Cover with Gap and Co-Pay | Accidental Death Benefit   💙 This benefit provides cover of R5,000 in the event of the policyholder’s accidental death.

Sirago Exact Cover with Gap and Co-Pay Exclusions and Waiting Periods

Exact Cover with Gap and Co-Pay Exclusions

• ✅ Medical procedures that are specifically excluded by your medical scheme and are not included in the list of covered procedures.
• ✅ Procedures on Sirago’s list provided your medical scheme has contributed a portion towards the account.

  💙 Any remaining costs after Sirago has paid up to the cover limit for the approved procedure.  

Exact Cover with Gap and Co-Pay Waiting Periods

  👉 Sirago Gap Cover applies the following waiting periods on Exact Cover with Gap and Co-Pay:  

• ✅ In addition, a 10-month duration exists when claims for the specified procedures or surgeries cannot be lodged.

  💙 Pre-existing conditions, specific diseases, and illnesses associated with the services must undergo a 12-month waiting period before receiving treatment.   👉 READ more about the Best Medical Aids in South Africa Covering Boob Reduction

Sirago Exact Cover with Gap and Co-Pay vs Other Gap Cover Plans

   

Our Verdict on Sirago’s Exact Cover with Gap and Co-Pay

  💙 According to our research, the Sirago Exact Cover with Gap and Co-Pay offers a comprehensive in-hospital cover plan that can supplement your medical scheme, especially for typically excluded procedures.   💙 However, it does have its limitations, particularly when it comes to out-of-hospital treatments, maternity, and cancer coverage. As with any insurance product, it is important to carefully consider your personal health needs and circumstances before choosing a plan.  

Sirago Exact Cover with Gap and Co-Pay Frequently Asked Questions

What is the cost of the Sirago Exact Cover with Gap and Co-Pay?

The cost of the Sirago Exact Cover with Gap and Co-Pay starts from R413 per month.  

What is the Sirago Exact Cover with Gap and Co-Pay?

The Sirago Exact Cover with Gap and Co-Pay is a comprehensive insurance plan that covers services not included in your medical scheme. It provides cover for a defined list of procedures, manages negotiations with service providers, and makes direct payments for your claim.  

What is the Accidental Death benefit in the Sirago Exact Cover with Gap and Co-Pay?

The Accidental Death benefit covers the accidental death of the policyholder at R5,000.

What are the exclusions in the Sirago Exact Cover with Gap and Co-Pay?

The plan does not cover medical procedures listed as specific exclusions by your medical scheme that are not on Sirago’s list of medical procedures. It also does not cover any shortfalls after Sirago has paid the cover limit for the authorized procedure.  

What are the waiting periods in the Sirago Exact Cover with Gap and Co-Pay?

There is a 10-month waiting period before claims can be submitted for a procedure or surgery on Sirago’s list of covered procedures. There is also a 12-month waiting period for pre-existing conditions, specific diseases, or illnesses related to the procedures on Sirago’s list.