💙 Overall, Stratum Benefits Meridian400 is a trustworthy short-term insurance product designed to provide extra protection for those with medical aid. The Stratum Benefits Meridian400 start from R250 ZAR. Stratum Benefits has a trust score of 4.5.
| 🔎 Provider | 🥇 Stratum Benefits Base |
| 🟥 Years in Operation | 25 years |
| 🟧 Underwriters | Guardrisk Insurance Company Limited (FSP 75) |
| 🟨 Market Share in South Africa | >5% |
| 🟩 Gap Cover Waiting Period | 3 Months |
| 🟦 Do Exclusions Apply | ✅ Yes |
| 🟪 Average Monthly Premium | R250 |
| 🟥 Oncology Benefit | ✅ Yes |
| 🟧 In-Hospital Benefit | ✅ Yes |
| 🟨 Out-of-Hospital Cover | ✅ Yes |
💙 The Stratum Meridian400 is one of eleven plans that starts from R250 per month. Stratum Meridian400 has benefits for dental cover, maternity, radiology, casualty, trauma counseling, lifestyle, first-time cancer diagnosis, and more.
👉🏿Stratum Gap Cover has 5 plans to choose from:
✅️ Stratum Benefits Compact 300
✅️ Stratum Benefits Access Optimiser
✅️ Stratum Benefits Access Co pay Plus 300
✅️Stratum Benefits Meridian 400
| 🟥 Membership Type | 🟥 Monthly Contribution |
| 🟧 Individuals <64 years | 🟧 R250 |
| 🟨 If the entire family is <64 years | 🟨 R320 |
| 🟩 If you or a dependent is >65 years | 🟩 R698 |
| 🟥 Gap Benefit | Covers in and out-of-hospital expenses up to 400% of the medical aid tariff, with an overall annual limit of R210,580 per insured person per year. |
| 🟧 Dental Cover | Dental procedures such as wisdom teeth extractions : R 10 000 per policy Dental procedures due to accidental events or cancer treatment : R 28 000 per policy Subject to Admission and Procedure Co-Payment Benefit Subject to Penalty Co-Payment Benefit |
| 🟨 Maternity Cover | Covers shortfalls when professionals charge more than the medical aid rate for delivering a baby, as well as specific amounts paid by the medical aid from the hospital benefit. |
| 🟩 Radiology Cover | 2 Co-payments up to R 4 000 per co-payment per policy. Mri, Ct and Pet scan Sub-Limits: R 5 000 per person per event |
| 🟦 Casualty Benefit – Accidents and Illness | ACCIDENTAL EVENTS Individuals of all ages : R 9 500 per person per event. ILLNESS EVENTS Children 10 years or younger and 11 years and older : 2 Events up to R 3 000 per event per policy |
| 🟪 Trauma Counselling | 3 Consultations up to R 2 000 per consultation per policy |
| 🟥 Accidental Death and Disability | None |
| 🟧 First-Time Cancer Diagnosis | None |
| 🟨 Lifestyle Benefits | None |
| 🟩 International Travel Insurance | None |
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💙 If you claim within the first 10 months of cover for certain medical events/procedures (such as adenoidectomy, cardiovascular procedures, cataract removal, dentistry, etc.), Stratum Meridian400 will only cover 20% of the claim amount.
💙 Waiting periods apply from the policy start date, policy option upgrades, and for new members added after the initial policy start date. There is a three-month general waiting period for all claims except accidental events.
💙 Additionally, there is a 12-month waiting period for pre-existing conditions, including investigations, procedures, surgeries, and treatments related to illnesses or medical conditions diagnosed within 12 months of starting the policy with Stratum Meridian400.
| 🔎 Provider | 🥇 Stratum Benefits Base | 🥈 Liberty Essential Gap Cover | 🥉 Sirago Gap Lite |
| 🟥 Years in Operation | 25 years | 67 years | 31 years |
| 🟧 Underwriters | Guardrisk Insurance Company Limited (FSP 75) | Guardrisk Life Limited (FSP 76) | GENRIC Insurance Company Limited (FSP: 43638) |
| 🟨 Market Share in South Africa | >5% | >25% | >10% |
| 🟩 Gap Cover Waiting Period | 3 Months | 12 months | From 3 months (up to 12) |
| 🟦 Do Exclusions Apply | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟪 Average Monthly Premium | R250 | R253 | R289 |
| 🟥 Oncology Benefit | ✅ Yes | None | None |
| 🟧 In-Hospital Benefit | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟨 Out-of-Hospital Cover | ✅ Yes | None | ✅ Yes |
| 🟩 Maternity Benefit | ✅ Yes | None | ✅ Yes |
| 🟦 Scopes and Scans | None | ✅ Yes | None |
| 🟪 Co-payment Cover | None | None | ✅ Yes |
| 🟥 Emergency Room | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟧 Accidental Cover | None | ✅ Yes | ✅ Yes |
| 🟨 Trauma Counseling | ✅ Yes | ✅ Yes | None |
| 🟩 Premium Waiver | None | ✅ Yes | None |
| 🟦 Non-DSP Co-Payment | None | None | ✅ Yes |
| 🟪 Prostheses | None | None | None |
| 🟥 Travel Cover Extender | ✅ Yes | None | None |
| 🟧 Accidental Death/ Permanent Disability | ✅ Yes | ✅ Yes | None |
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💙 According to our findings, Stratum Meridian400 offers comprehensive medical cover with benefits for dental, maternity, radiology, casualty, trauma counseling, and more. It provides in and out-of-hospital cover of up to 400% of the medical aid tariff, international travel insurance, and lifestyle benefits.
💙 However, knowing the exclusions for certain medical events within the first 10 months and the waiting periods for general claims and pre-existing conditions is important. Overall, we can conclude that Stratum Meridian400 is a reliable choice for individuals and families looking for affordable gap cover.
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Stratum Meridian400 covers up to 500% of the medical aid tariff for both in and out-of-hospital expenses.
Yes, Stratum Meridian400 offers dental cover with benefits paid up to 500% of the medical aid tariff, depending on the specific procedure.
Yes, Stratum Meridian400 covers maternity expenses, including shortfalls when healthcare professionals charge more than the medical aid rate for delivering a baby.
The waiting period for pre-existing conditions with Stratum Meridian400 is 12 months, which includes investigations, procedures, surgeries, and treatments related to illnesses or medical conditions diagnosed within the previous 12 months.
Yes, Stratum Meridian400 includes cover for trauma counseling up to a specified limit of R2000 per visit and 3 visits per policy per year.
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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