Gap Liberal
About this plan
What's covered
Waiting periods
- General
- 3 months
- Pre-existing conditions
- 12 months
Gap Liberal
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.
| 🔎 Provider | 🥇 Sirago Gap Liberal |
| 🟥 Years in Operation | 30 years |
| 🟧 Underwriters | GENRIC Insurance Company Limited (FSP: 43638) |
| 🟨 Market Share in South Africa | >10% |
| 🟩 Gap Cover Waiting Period | From 3 months (up to 12) |
| 🟦 Do Exclusions Apply | ✅ Yes |
| 🟪 Average Monthly Premium | R172 |
| 🟥 Oncology Benefit | None |
| 🟧 In-Hospital Benefit | ✅ Yes |
| 🟨 Out-of-Hospital Cover | None |
Sirago Gap Liberal - 7 Key Point Quick Overview
- ✅ Sirago Gap Liberal Overview
- ✅ Sirago Gap Liberal Premiums
- ✅ Sirago Gap Liberal Benefits and Cover Breakdown
- ✅ Sirago Gap Liberal Exclusions and Waiting Periods
- ✅ Sirago Gap Liberal vs Other Gap Cover Plans
- ✅ Our Verdict on Sirago Gap Liberal
- ✅ 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
| 🟥 Age Limit | 🟥 Monthly Contribution |
| 🟧 Overall Annual Limit per Beneficiary | 🟧 R213,000 |
| 🟨 Price per Individual | 🟨 R- |
| 🟩 Price per Family | 🟩 From R172 |
Sirago Gap Liberal Benefits and Cover Breakdown
| 🟥 In-Hospital Benefits | 🟥 Description |
| 🟧 Gap Cover | Shortfall between the Medical Scheme Rate and the private rates (in-hospital) charged by the Medical Practioner or Specialist. Up to 400%, max 500% PMB cover only for use of a non-designated provider for a planned PMB procedure |
| 🟪 Robotic Surgery | Subject to OAL, R15 000 pp |
| 🟦 Co-payments and co-payments charged as a percentage | Subject to OAL of R213 000 |
| 🟧 Penalty Fee Co-payments | R12 000 pc, Max 2 claims pp |
| 🟨 Day Hospital, Clinic, In-Room | Subject to OAL |
| 🟩 Prescribed Minimum Benefits | Subject to OAL |
| 🟥 Hospital Account Shortfalls | R4 500 pp. R950 pc, including a Sub-Limit of R1 000 for PVT ward upgrades |
| 🟨 Sub-limit Enhancer | R30 000 pa. This benefit caters for all sub-limits. |
| 🟩 Step-down (includes accident, strokes and Cancer Treatment) | None |
| 🟥 Out- Hospital Benefits | 🟥 Description |
| 🟪 Specialist Consultation Fee | R4 500 sub-limit pp, R1 200 pc |
| 🟦 Casualty Benefit - After Hours (18:00 pm - 07:00 am) and all Saturdays, Sundays, and all Public Holidays | Sub-limit of R10 000 Accident & Trauma Child Casualty Illness - 12yrs & younger R2 000 pc - stated benefit. |
| 🟧 Trauma Counselling | R8 000 per policy, covered within the first 6 months after a traumatic event |
| 🟥 Cancer Benefits | 🟥 Description |
| 🟪 Cancer Co-payment Benefit | Subject to OAL |
| 🟨 Cancer Benefit - Boost | Subject to OAL |
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
| 🔎 Provider | 🥇 Sirago Gap Only | 🥈 Cura Administrators Gap Basic | 🥉 Bonitas MedGap Student Plan |
| 🟥 Years in Operation | 30 years | 26 years | 41 years |
| 🟧 Underwriters | GENRIC Insurance Company Limited (FSP: 43638) | GENRIC Insurance Company Limited | Centriq Insurance Company Limited |
| 🟨 Market Share in South Africa | >10% | <5% | 5%> |
| 🟩 Gap Cover Waiting Period | From 3 months (up to 12) | 3 – 12 months | 3 – 12 months |
| 🟦 Do Exclusions Apply | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟪 Monthly Premium from | R172 | R220 | R146 |
| 🟥 Cancer Benefit | ✅ Yes | None | None |
| 🟧 In-Hospital Benefit | ✅ Yes | ✅ Yes | None |
| 🟨 Out-of-Hospital Cover | ✅ Yes | ✅ Yes | None |
| 🟩 Maternity Benefit | None | None | None |
| 🟦 Scopes and Scans | None | ✅ Yes | None |
| 🟪 Co-payment Cover | ✅ Yes | None | ✅ Yes |
| 🟥 Emergency Room | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟧 Accidental Cover | None | ✅ Yes | None |
| 🟨 Trauma Counseling | ✅ Yes | None | None |
| 🟩 Premium Waiver | None | None | None |
| 🟦 Non-DSP Co-Payment | None | None | None |
| 🟪 Prostheses | None | None | None |
| 🟥 Travel Cover Extender | None | None | None |
| 🟧 Accidental Death/ Permanent Disability | None | None | None |
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.
