Sirago Gap Liberal (🇿🇦 2025*)

💙 Overall, Sirago Gap Liberal is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Sirago Gap Liberal Plan starts from R172 ZAR. Sirago has a trust score of 4.4.

Sirago Gap Liberal – 7 Key Point Quick Overview

1. ✅ Sirago Gap Liberal Overview
2. ✅ Sirago Gap Liberal Premiums
3. ✅ Sirago Gap Liberal Benefits and Cover Breakdown
4. ✅ Sirago Gap Liberal Exclusions and Waiting Periods
5. ✅ Sirago Gap Liberal vs Other Gap Cover Plans
6. ✅ Our Verdict on Sirago Gap Liberal
7. ✅ Sirago Gap Liberal Frequently Asked Questions

Sirago Gap Liberal Overview

💙 The Sirago Gap Liberal is one of six plans that starts from R172 per month. Sirago’s Gap Only has benefits for shortfalls for in-hospital treatment, outpatient treatments, PMBs, and more.

👉 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 Gap Liberal Premiums

Sirago Gap Liberal Benefits and Cover Breakdown

Sirago Gap Liberal Exclusions and Waiting Periods

Sirago Gap Liberal Exclusions

👉 The following are excluded from the cover by Sirago Liberal 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.
• ✅ Diagnostic procedures, therapy, and surgery regarding eating disorders, obesity, and weight management.
• ✅ Body Mass Index (BMI), unless defined as a benefit under this policy.
• ✅ Diagnostic procedures, treatments, or surgical procedures on assisted reproduction.

💙 Participation in any race or speed test involving Mechanically propelled vehicles or crafts, as a professional athlete, or in any hobby is defined as dangerous in the Policy Terms and Conditions.

Sirago Gap Liberal Waiting Periods

👉 Sirago Gap Liberal Cover applies the following waiting periods:

• ✅ General Waiting Period of 3 months for new policies and 10 months for pre-existing conditions.
• ✅ Policy-Specific Waiting Periods apply within the first 6 months of a new policy. After this, 50% of benefits are paid from months 7 – 10, with all benefits accessible after month 11.
• ✅ Waiting Periods for Specific Benefits include a 10-month pregnancy and delivery waiting period, a 3-month waiting period for death and disability (on plans that include this benefit) and new cancer diagnosis, and 12 months for pre-existing cancer conditions.

💙 Cover Upgrades of 3 months apply when existing policyholders with a previous 12-month consecutive cover upgrade to a higher plan. Those with <12 months of existing cover will wait for the difference between the remaining period and a 3-month waiting period.

Sirago Gap Liberal vs Other Gap Cover Plans

Our Verdict on Sirago Gap Liberal

💙 According to our research, Sirago Gap Liberal offers in-hospital benefits, covering the difference between medical scheme rates and charges from doctors and specialists.  With premiums averaging R172 per month, it provides cover up to 400% above medical plan rates or the stated benefit value, governed by the Overall Annual Limit (OAL).

💙 We also found that Sirago Gap Liberal covers costs related to unapproved medical professionals for Prescribed Minimum Benefit (PMB) procedures.

👉 Sharpen your knowledge with a better understanding of Top Medical Aids in SA

Sirago Gap Liberal Frequently Asked Questions

What are the in-hospital benefits provided by Sirago Gap Liberal?

Sirago Gap Liberal covers the difference between the medical scheme rate and the charges of doctors and specialists, up to 400%, max 500%. BMI included.

Does Sirago Gap Liberal cover Prescribed Minimum Benefits (PMB)?

Yes, Sirago Gap Liberal covers PMB, including diagnosing and treating predetermined conditions. It also covers costs incurred from using an unapproved medical professional for scheduled PMB procedures.

Does Sirago Gap Liberal offer out-of-hospital coverage?

No, Sirago Gap Only does not provide cover for out-of-hospital expenses.

Are there any exclusions or limitations with Sirago Gap Only?

Yes, Sirago Gap Liberal has certain exclusions, such as oncology benefits, maternity benefits, scopes and scans, co-payment cover, and accidental death/permanent disability cover.

How long has Sirago Gap Liberal been in operation?

Sirago has operated for 30 years, establishing itself as a trusted gap cover provider in the industry.