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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 R478 ZAR. Standard Bank GapAssist has a trust score of 4.4.
π Provider | π₯ Standard Bank GapAssist Universal |
π₯ Years in Operation | 61 years (Standard Bank) |
π§ Underwriters | Standard Insurance Limited |
π¨ Market Share in South Africa | <10% |
π© Gap Cover Waiting Period | 12 Months |
π¦ Do Exclusions Apply | β Yes |
πͺ Average Monthly Premium | R478 |
π₯ Oncology Benefit | β Yes |
π§ In-Hospital Benefit | β Yes |
π¨ Out-of-Hospital Cover | β Yes |
The Standard Bank GapAssist Universal is one of three plans that starts from R478 per month. Standard Bankβs 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:
π₯ Cover for Individuals | π₯ Monthly Contribution |
π§ <35 Years | π§ R478 per month |
π¨ <55 Years | π¨ R478 per month |
π© 55 β 64 Years | π© R606 per month |
π¦ >65 Years | π¦ R710 per month |
πͺ Cover for Families | πͺ Monthly Contribution |
π₯ Where all insured are <65 Years | π₯ R606 per month |
π§ Where one or more insured are >65 Years | π§ R710 per month |
π °οΈ Section A β Medical Expense Shortfall Cover | π ±οΈ Section B β Health Insurance Benefits |
π§ In-hospital and out-of-hospital cover up to 500% of medical aid tariff. | π§ Enhanced cancer cover up to R30,000 for unexpected costs during initial cancer diagnosis for Stage 2 diagnoses (regional) and Stage 1 prostate cancer with a Gleason score of 8 or higher. |
π¨ General co-payments for hospital admission, CT, PET, and MRI scans are covered. | π¨ Accidental dentistry covered up to R22,500 for accidental tooth fractures at a rate of R3,200 per tooth, regardless of medical aid contribution. |
π© Non-network co-payments covered up to R11,600 per policy per year. | π© Accidental death and disability cover up to R50,000 for members under 65. |
π¦ Casualty and emergency room treatments covered up to R22,100 per policy annually. | π¦ Trauma counseling covers up to R800 per session. Annual limit of R26,500 for treatment initiated within six months of the event paid up to six months of treatment. |
πͺ Internal prostheses and artificial joints are covered up to R38,500 per policy per year. | πͺ Medical Aid Gap Cover Premium Waiver covers 12x combined medical aid, up to R110,000 for insured individuals under 65. |
Standard Bankβs GapAssist Universal Plan exclusions include, but are not limited to, the following, with the full list available here:
Furthermore, policies do not cover pre-existing conditions related to:
The following can be said about Standard Bank GapAssist Universalβs waiting periods:
For benefits not covered under the previous policy, the full 12-month exclusion applies.
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π Provider | π₯ Standard Bank GapAssist Universal | π₯ CompliMed Gap Cover | π₯ Kaelo Gap |
π₯ Years in Operation | 61 years (Standard Bank) | 20 years | 19 years |
π§ Underwriters | Standard Insurance Limited | Turnberry Management Risk Solutions (Pty) Ltd | Centriq Insurance Company Limited |
π¨ Market Share in South Africa | <10% | <5% | <1% |
π© Gap Cover Waiting Period | 12 Months | 3 β 12 months | 12 months |
π¦ Do Exclusions Apply | β Yes | β Yes | β Yes |
πͺ Average Monthly Premium | R478 | R364 | R364 |
π₯ Oncology Benefit | β Yes | β Yes | β Yes |
π§ In-Hospital Benefit | β Yes | β Yes | β Yes |
π¨ Out-of-Hospital Cover | β Yes | β Yes | β Yes |
π© Maternity Benefit | None | None | None |
π¦ Scopes and Scans | β Yes | β Yes | β Yes |
πͺ Co-payment Cover | β Yes | β Yes | β Yes |
π₯ Emergency Room | β Yes | β Yes | β Yes |
π§ Accidental Cover | β Yes | β Yes | β Yes |
π¨ Trauma Counseling | β Yes | β Yes | β Yes |
π© Premium Waiver | β Yes | β Yes | β Yes |
π¦ Non-DSP Co-Payment | β Yes | β Yes | β Yes |
πͺ Prostheses | β Yes | None | β Yes |
π₯ Travel Cover Extender | None | β Yes | β Yes |
π§ Accidental Death/ Permanent Disability | β Yes | β Yes | β Yes |
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GapAssist Universal provides a comprehensive range of benefits, including in-hospital and out-of-hospital cover, co-payments, scopes and scans, and more.Β 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.Β While the plan offers many valuable benefits, itβs important to note that certain treatments and conditions are excluded, such as cosmetic surgery, elective procedures, and mental health treatments.
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.
No, the Standard Bank GapAssist Universal plan does not cover maternity benefits.Β 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.
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 R11,600 per policy per year.
Yes, Standard Bank GapAssist Universal provides cover for oncology treatments.Β 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 personβs treatment costs.
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 R110,000, for insured individuals under 65.
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