π 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.
π Provider | π₯ Sirago Gap Liberal |
π₯ Years in Operation | 30 years |
π§ Underwriters | GENRIC Insurance Company Limited (FSP: 43638) |
π¨ Market Share in South Africa | >10% |
π© Gap Cover Waiting Period | From 3 months (up to 12) |
π¦ Do Exclusions Apply | β Yes |
πͺ Average Monthly Premium | R172 |
π₯ Oncology Benefit | None |
π§ In-Hospital Benefit | β Yes |
π¨ Out-of-Hospital Cover | None |
π The Sirago Gap Liberal is one of six plans that starts from R172 per month. Siragoβs Gap Only has benefits for shortfalls for in-hospital treatment, outpatient treatments, PMBs, and more.
π Sirago Gap Cover has six plans to choose from:
β Sirago Exact Cover with Gap and Co-Pay
π₯ Age Limit | π₯ Monthly Contribution |
π§ Overall Annual Limit per Beneficiary | π§ R213,000 |
π¨ Price per Individual | π¨ R- |
π© Price per Family | π© From R172 |
π₯ In-Hospital Benefits | π₯ Description |
π§ 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 |
πͺ Robotic Surgery | Subject to OAL, R15 000 pp |
π¦ Co-payments and co-payments charged as a percentage | Subject to OAL of R213 000 |
π§ Penalty Fee Co-payments | R12 000 pc, Max 2 claims pp |
π¨ Day Hospital, Clinic, In-Room | Subject to OAL |
π© Prescribed Minimum Benefits | Subject to OAL |
π₯ Hospital Account Shortfalls | R4 500 pp. R950 pc, including a Sub-Limit of R1 000 for PVT ward upgrades |
π¨ Sub-limit Enhancer | R30 000 pa. This benefit caters for all sub-limits. |
π© Step-down (includes accident, strokes and Cancer Treatment) | None |
π₯ Out- Hospital Benefits | π₯ Description |
πͺ Specialist Consultation Fee | R4 500 sub-limit pp, R1 200 pc |
π¦ 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. |
π§ Trauma Counselling | R8 000 per policy, covered within the first 6 months after a traumatic event |
π₯ Cancer Benefits | π₯ Description |
πͺ Cancer Co-payment Benefit | Subject to OAL |
π¨ Cancer Benefit – Boost | Subject to OAL |
π The following are excluded from the cover by Sirago Liberal Gap Cover:
π 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.
π Sirago Gap Liberal Cover applies the following waiting periods:
π 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.
π Provider | π₯ Sirago Gap Only | π₯ Cura Administrators Gap Basic | π₯ Bonitas MedGap Student Plan |
π₯ Years in Operation | 30 years | 26 years | 41 years |
π§ Underwriters | GENRIC Insurance Company Limited (FSP: 43638) | GENRIC Insurance Company Limited | Centriq Insurance Company Limited |
π¨ Market Share in South Africa | >10% | <5% | 5%> |
π© Gap Cover Waiting Period | From 3 months (up to 12) | 3 β 12 months | 3 β 12 months |
π¦ Do Exclusions Apply | β Yes | β Yes | β Yes |
πͺ Monthly Premium from | R172 | R220 | R146 |
π₯ Cancer Benefit | β Yes | None | None |
π§ In-Hospital Benefit | β Yes | β Yes | None |
π¨ Out-of-Hospital Cover | β Yes | β Yes | None |
π© Maternity Benefit | None | None | None |
π¦ Scopes and Scans | None | β Yes | None |
πͺ Co-payment Cover | β Yes | None | β Yes |
π₯ Emergency Room | β Yes | β Yes | β Yes |
π§ Accidental Cover | None | β Yes | None |
π¨ Trauma Counseling | β Yes | None | None |
π© Premium Waiver | None | None | None |
π¦ Non-DSP Co-Payment | None | None | None |
πͺ Prostheses | None | None | None |
π₯ Travel Cover Extender | None | None | None |
π§ Accidental Death/ Permanent Disability | None | None | None |
π According to our research, Sirago Gap Liberal offers in-hospital benefits, covering the difference between medical scheme rates and charges from doctors and specialists.Β 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).
π We also found that Sirago Gap Liberal covers costs related to unapproved medical professionals for Prescribed Minimum Benefit (PMB) procedures.
π Sharpen your knowledge with a better understanding of Top Medical Aids in SA
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.
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.
No, Sirago Gap Only does not provide cover for out-of-hospital expenses.
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.
Sirago has operated for 30 years, establishing itself as a trusted gap cover provider in the industry.
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.
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