Standard Bank GapAssist Universal (🇿🇦 2025*)

  💙 Overall, Standard Bank GapAssist Universal is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Standard Bank GapAssist Universal Plan starts from R537  ZAR. Standard Bank GapAssist has a trust score of 4.4.      

Standard Bank GapAssist Universal - 7 Key Point Quick Overview

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

Standard Bank GapAssist Universal Overview

  💙 The Standard Bank GapAssist Universal is one of three plans that starts from R537 per month. Standard Bank’s GapAssist Universal has benefits for in and out-of-hospital treatment, co-payments, casualty and emergency room, scopes and scans, and more.   💙 Standard Bank Gap Cover offers 24/7 medical emergency assistance.   👉🏿 Standard Bank GapAssist Gap Cover has three plans to choose from:   ✅ Standard Bank GapAssist Universal ✅ Standard Bank GapAssist Optimal ✅ Standard Bank GapAssist Essential

Standard Bank GapAssist Universal Premiums

   

Standard Bank GapAssist Universal Benefits and Cover Breakdown

   

Standard Bank GapAssist Universal Exclusions and Waiting Periods

Standard Bank GapAssist Universal Exclusions

  👉🏿 Standard Bank’s GapAssist Universal Plan exclusions include, but are not limited to, the following, with the full list available here:  

• ✅ Cosmetic surgery, except when necessary due to illness or injury.
• ✅ Penalty co-payments for non-compliance with medical aid rules.
• ✅ Medication, materials, and external prosthetics.
• ✅ Cancer treatment or planned procedures received outside South Africa.
• ✅ Treatment for accidents or illnesses while abroad for more than 90 consecutive days.
• ✅ Pre- and post-hospitalization doctor and specialist charges.
• ✅ Treatment for obesity or related conditions.
• ✅ Diagnosis or treatment of sleeping disorders.
• ✅ Treatment costs for services provided by allied health care professionals.

  👉🏿 Furthermore, policies do not cover pre-existing conditions related to:  

• ✅ Nuclear weapons or radiation.
• ✅ Suicide, self-injury, or non-prescribed drug use.
• ✅ Illness or injury caused by alcohol or illegal behavior.
• ✅ Participation in war, terrorism, or civil disturbances.
• ✅ Aviation accidents or racing activities.

Standard Bank GapAssist Universal Waiting Periods

  👉🏿 The following can be said about Standard Bank GapAssist Universal’s waiting periods:  

• ✅ No general or condition-specific waiting periods are imposed after the policy starts.
• ✅ Medical conditions existing or diagnosed within 12 months before the policy start date will not be eligible for benefits for the first 12 months.
• ✅ Pregnancy before the policy start date is considered a pre-existing condition, and pregnancy and birth-related claims are excluded for the first 12 months.
• ✅ If the policyholder had prior coverage under a similar Medical Expense Shortfall Policy, the waiting period for pre-existing conditions only applies to the remaining duration from the previous policy.

  👉🏿 For benefits not covered under the previous policy, the full 12-month exclusion applies.   👉🏿 Discover more about the Best Medical Aids in South Africa Covering Teeth Straighteners

Standard Bank GapAssist Universal vs Other Gap Cover Plans

    👉🏿 Read more about Health Insurance for Young Children

Our Verdict on Standard Bank GapAssist Universal

  💙 GapAssist Universal provides a comprehensive range of benefits, including in-hospital and out-of-hospital cover, co-payments, scopes and scans, and more.  The plan offers enhanced cancer cover, accidental dentistry, trauma counseling, and a premium waiver option.   💙 It also has a competitive premium structure based on age and cover type.  While the plan offers many valuable benefits, it’s important to note that certain treatments and conditions are excluded, such as cosmetic surgery, elective procedures, and mental health treatments.  

Standard Bank GapAssist Universal Frequently Asked Questions

What is the waiting period for Standard Bank GapAssist Universal?

Standard Bank GapAssist Universal has a waiting period of 12 months for pre-existing conditions. However, no general or condition-specific waiting periods are imposed after the policy starts.  

Does Standard Bank GapAssist Universal cover maternity benefits?

No, the Standard Bank GapAssist Universal plan does not cover maternity benefits.  However, it is important to note that pregnancy before the policy start date is considered a pre-existing condition, and claims related to pregnancy and birth will be excluded for the first 12 months.  

Does Standard Bank GapAssist Universal cover co-payments?

Yes, Standard Bank GapAssist Universal covers general co-payments for hospital admission, CT, PET, and MRI scans. It also provides cover for non-network co-payments up to R3,700 per policy per year.  

Does Standard Bank GapAssist Universal offer cover for oncology treatments?

Yes, Standard Bank GapAssist Universal provides cover for oncology treatments.  It covers co-payments for oncology treatments that exceed annual cancer limits by up to 25% of the treatment cost. It also offers continued treatment to cover up to 20% of the insured person’s treatment costs.  

Is there a premium waiver option available with Standard Bank GapAssist Universal?

Yes, Standard Bank GapAssist Universal includes a premium waiver benefit. The Medical Aid Gap Cover Premium Waiver covers 12 times the combined medical aid, up to R122,400, for insured individuals under 65.