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Turnberry Gap Cover (🇿🇦 2025*)

💙 Overall, Turnberry Gap Cover is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Turnberry Gap Cover Plans start from R169 ZAR. Turnberry has a trust score of 4.3.

👉🏿 Turnberry Gap Cover has five plans to choose from

✅ Turnberry Synergy

✅ Turnberry Premier

✅ Turnberry Optimal

✅ Turnberry Med Extend

✅ Turnberry Launch

🟥 Date Established	2001
🟧 Underwriters	Lombard Insurance Company
🟨 Headquartered	Bedfordview, Johannesburg, South Africa
🟩 The average number of members	50,000+
🟦 Number of Markets	1
🟪 Market Share	<5%
🟥 The number of plans offered	5
🟧 Is a Mobile App offered	None
🟨 Customer Support Operating Hours	Monday to Friday – 8 am to 5 pm
🟩 Waiting Period	3 – 12 months
🟦 Exclusions	✅ Yes

Turnberry Gap Cover – 12 Key Point Quick Overview

Turnberry Gap Cover Premiums

🟥 Turnberry Gap Option	🅰️ Families under 65 years	🅱️ Families that have members 65 years>
🟧 Launch	R169	R294
🟨 Med-Extend	R398	R562
🟩 Synergy	R441	R628
🟦 Optimal	R510	R736
🟪 Premier	R673	R968

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Turnberry Gap Cover – Advantages Over Competitors

👉🏿 Choosing Turnberry Gap Cover comes with a long list of advantages, including:

✅ Provides cover for medical aid shortfalls up to 600% of the medical aid rate, significantly reducing out-of-pocket expenses.
✅ Offers cover in-hospital procedures, including cancer, cardiology, gastroenterology, and neurology.
✅ Includes cover for chronic medication, which can be a significant financial burden for patients.
✅ Provides co-pay cover, eliminating the financial stress of paying upfront for medical expenses.
✅ Offers cover for casualty ward treatment, including accidents and emergencies.
✅ Includes cover for certain dental procedures, such as wisdom teeth removal and maxillofacial surgery.
✅ Provides cover for certain mental health conditions, including depression and anxiety, with no sub-limits or co-payments.
✅ Offers international travel insurance as optional, providing peace of mind for policyholders traveling abroad.
✅ Provides access to a network of designated service providers, which reduces costs and simplifies the claims process.
✅ Offers optional cover for gap penalties imposed by medical schemes for using non-designated service providers.

Turnberry Gap Cover Features

Turnberry Launch

💙 By opting for this, you will enter the realm of Gap Cover which provides crucial advantages and covers the costs that remain uncovered for Specialist treatments, up to 350% of the medical aid rate.

💙 Among the Gap Cover options available, Turnberry Launch is one of the most cost-efficient solutions, with an overall annual limit of R210,580.

Turnberry Launch In-Hospital Benefits

🟥 Medical Expense Shortfall Cover	Increases Medical Aid by 350% (GPs, Specialists, Anaesthetists, Radiology, Pathology, Consumables). Subject to the overall Annual Limit.
🟧 Medical Expense Shortfall Cover – Dental	Increases medical aid by 350% for impacted wisdom teeth, orthognathic surgery, reconstructive maxillofacial surgery after an accident, and oral cancer diagnosed while on the policy. Subject to the overall Annual Limit.

Turnberry Launch Out-of-Hospital Benefits

🟨 Casualty Benefits for Accidents

Limited to R7,000 per insured event.

Subject to the overall limit.

Turnberry Launch Added Benefits

🟩 Medical Scheme Contribution Waiver	Limited to R7,500 per month for six months if the Medical Scheme Contribution Payer dies or becomes permanently disabled in an accident.
🟦 Gap Premium Waiver	Pays your Launch Policy premium for 12 months if the Contribution Payer dies or becomes permanently disabled in an accident.
🟪 International Travel Cover	R5 million per insured, but 48-hour travel notice required).

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Turnberry Med-Extend

💙 Turnberry Med-Extend helps clients cover Specialist medical expenses and Defined Procedures excluded from their Medical Scheme option.

Turnberry Med-Extend Benefits

🟥 In-hospital Procedures funded by the Medical Scheme	Increases medical aid by 300%. Covers costs associated with GPs, Specialists, Anaesthetists, Radiology, Pathology, and Consumables. Subject to the Overall Annual Limit.
🟧 Defined Procedures that are Excluded by the Medical Scheme	Med-Extend will cover Defined Procedures excluded by your Medical Scheme up to the listed rand value. Subject to the Overall Annual Limit.
🟨 Co-payment Cover	Limited to R6,500 per admission. Limited to 2 family claims per year. Subject to the Overall Annual Limit.
🟩 Casualty Benefit for Accidents and Illness	Limited to R4,500 per family per year. Illness Casualty Benefit will be limited to 6 pm – 6 am Mondays–Fridays, Saturdays–Sundays, and Public Holidays
🟪 Medical Expense Shortfall Cover	Increases medical aid by 300% for impacted wisdom teeth, orthognathic surgery, reconstructive maxillofacial surgery after an accident, and oral cancer diagnosed while on the policy. Subject to the Overall Annual Limit.

Turnberry Med-Extend MedBoost

💙 MedBoost pays a lump sum benefit if you need a Defined Procedure after years of no claims. However, according to the table, MedBoost payouts depend on claim-free years.

🅰️ Number of claim-free years	🅱️ MedBoost Pay-Out
🟧 3 Years	R3,500
🟨 4 Years	R4,500
🟩 5 Years	R5,500
🟦 5+ Years	R6,500

Turnberry Med-Extend Added Benefits

🟥 International Travel Cover

R5 million per insured, but a 48-hour travel notice is required.

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Turnberry Synergy

💙 Turnberry Synergy’s benefits are wide-ranging and affordable. It covers sub-limits, casualty benefits, co-payments, medical expense shortfalls of up to 500%, and the most common claims.

Turnberry Synergy In-Hospital Benefits

🟥 Medical Expense Shortfall Cover	Increases medical aid by 500%. Covers costs associated with GPs, Specialists, Anaesthetists, Radiology, Pathology, and Consumables. Subject to the Overall Annual Limit.
🟧 Co-payment cover	Subject to the Overall Annual Limit.
🟨 Non-DSP Hospital Penalty Cover	Limited to R10,500 per admission. Limited to 1 family claim per year. Subject to the Overall Annual Limit.
🟩 Sub-Limit Cover	Limited to R33,000 per admission per insured. Limited to R72,000 per family per year. Subject to the Overall Annual Limit.

Turnberry Synergy In-Hospital Dental Cover

🟥 Medical Expense Shortfall Cover	Increases medical aid by 500% for impacted wisdom teeth, orthognathic surgery, reconstructive maxillofacial surgery after an accident, and oral cancer diagnosed while on the policy. Subject to the Overall Annual Limit.
🟧 Basic Dental Medical Expense Shortfall Cover for Children	Increases Medical Aid by 500% for basic dentistry for children under 12. Limited to R3,000 per family per year.
🟨 Co-payment Cover	Subject to the Overall Annual Limit.
🟩 Sub-limit and Co-payment Cover Dental Implants	Covers oral cancer and reconstructive maxillofacial surgery dental implants (diagnosed while on the policy). Limited to R24,000 per admission, R50,000 per family per year. Subject to the Overall Annual Limit.
🟦 Sub-limit Cover	Limited to R24,000 per admission and R50,000 per family per year for impacted wisdom teeth, orthognathic surgery, reconstructive maxillofacial surgery due to an accident while on the policy, and oral cancer (diagnosed while on the policy). Subject to the Overall Annual Limit.

Turnberry Synergy Out-of-Hospital Benefits

🟥 Co-payments for MRI, CT, and PET scans	Subject to the Overall Annual Limit.
🟧 Co-payments for scopes	Limited to R6,000 per event. Limited to 2 claims per insured yearly. Subject to the Overall Annual Limit.
🟨 Sub-limit cover for MRI, CT, and PET scans	Limited to R33,000 per event per insured. Limited to R72,000 per family per year. Subject to the Overall Annual Limit.
🟩 Casualty Benefits for Accidents	Limited to R12,000 per event per insured. Subject to the Overall Annual Limit.
🟦 Casualty Benefit for Illness	Limited to R4,000 per event. Limited to 2 claims per family yearly. Subject to the Overall Annual Limit. Treatment is limited to 6 pm – 6 am, Mondays–Fridays, Saturdays–Sundays, and Public Holidays

Turnberry Synergy In-Hospital and Out-of-Hospital Benefits

🟥 MRI and CT Scan Cover	Covers MRI and CT scans without Medical Scheme cover. Subject to the OAL
🟧 Trauma Care Cover	Covers trauma counseling with a registered healthcare provider after a member is diagnosed with a critical illness, is a victim of a violent crime, or loses an immediate family member. Limited to R3,000 per insured and R6,000 per family annually. Subject to the Overall Annual Limit

Turnberry Synergy Added Benefits

🟥 Medical Scheme Contribution Waiver	Limited to R7,500 per month for six months if the Medical Scheme Contribution Payer dies or becomes permanently disabled in an accident.
🟧 Gap Premium Waiver	Pays your Synergy Policy premium for 12 months if the Contribution Payer dies or becomes permanently disabled in an accident.
🟨 Personal Accident Benefit	Limited to R13,500 per insured registered on the policy if there is accidental death or permanent total disability.
🟩 International Travel Cover	R5 million per insured, but a 48-hour travel notice is required.

Turnberry Optimal

💙 Increasing your medical insurance by up to 500% – all at a family-friendly price. Turnberry Optimal has become one of Turnberry’s most popular Gap Cover products, providing oncology cover and several other value-adds.

Turnberry Optimal In-Hospital Benefits

🟥 Medical Expense Shortfall Cover	Increases medical aid by 500%. Covers costs associated with GPs, Specialists, Anaesthetists, Radiology, Pathology, and Consumables. Subject to the Overall Annual Limit.
🟧 Co-payment cover	Subject to the Overall Annual Limit.
🟨 Non-DSP Hospital Penalty Cover	Limited to R13,500 per admission. Limited to 1 family claim per year. Subject to the Overall Annual Limit.
🟩 Sub-Limit Cover	Limited to R33,000 per admission per insured. Limited to R72,000 per family per year. Subject to the Overall Annual Limit.

Turnberry Optimal In-Hospital Dental Cover

🟥 Medical Expense Shortfall Cover	Increases medical aid by 500% for impacted wisdom teeth, orthognathic surgery, reconstructive maxillofacial surgery after an accident, and oral cancer diagnosed while on the policy. Subject to the Overall Annual Limit.
🟧 Basic Dental Medical Expense Shortfall Cover for Children	Increases Medical Aid by 500% for basic dentistry for children under 12. Limited to R4,000 per family per year.
🟨 Co-payment Cover	Subject to the Overall Annual Limit.
🟩 Sub-limit and Co-payment Cover Dental Implants	Covers oral cancer and reconstructive maxillofacial surgery dental implants (diagnosed while on the policy). Limited to R24,000 per admission, R50,000 per family per year. Subject to the Overall Annual Limit.
🟦 Sub-limit Cover	Limited to R24,000 per admission and R50,000 per family per year for impacted wisdom teeth, orthognathic surgery, reconstructive maxillofacial surgery due to an accident while on the policy, and oral cancer (diagnosed while on the policy). Subject to the Overall Annual Limit.

Turnberry Optimal Out-of-Hospital Benefits

🟥 Co-payments for MRI, CT, and PET scans	Subject to the OAL
🟧 Co-payments for scopes	Limited to R6,000 per event. Limited to 2 claims per insured yearly. Subject to the Overall Annual Limit.
🟨 Sub-limit cover for MRI, CT, and PET scans	Limited to R33,000 per event per insured. Limited to R72,000 per family per year. Subject to the Overall Annual Limit.
🟩 Casualty Benefits for Accidents	Limited to R12,000 per event per insured. Subject to the Overall Annual Limit.
🟦 Casualty Benefit for Illness	Limited to R5,000 per event. Limited to 2 claims per family yearly. Subject to the Overall Annual Limit. Treatment is limited to 6 pm – 6 am, Mondays–Fridays, Saturdays–Sundays, and Public Holidays

Turnberry Optimal In-Hospital and Out-of-Hospital Benefits

🟥 Traditional Cancer Cover	Traditional cancer treatment co-payments are limited to 20% per admission. Subject to the Overall Annual Limit.
🟧 Biological Cancer Drug Cover	Covers Biological Cancer Drugs when the Medical Scheme has a sub-limit. Subject to the formulary and the Annual Maximum
🟨 Innovative Cancer Drug Cover	Cover for new and innovative cancer drugs. Each claim is limited to R12,000. Subject to the Overall Annual Limit.
🟩 MRI and CT Scan Cover	Covers MRI and CT scans without Medical Scheme cover. R7,000 per event and 1 claim per family per year.
🟦 Trauma Care Cover	Covers trauma counseling with a registered healthcare provider after a member is diagnosed with a critical illness, is a victim of a violent crime, or loses an immediate family member. Limited to R3,000 per insured and R7,000 per family annually. Subject to the Overall Annual Limit
🟪 Breast Cancer Prevention Cover	Increases the Medical Aid rate for a Prophylactic Mastectomy by up to 500%. Subject to clinical entry criteria and the Annual Maximum.
🟥 Breast Cancer Reconstruction Cover	Increases the Medical Aid rate for breast reconstruction after a mastectomy due to cancer for the affected breast by up to 500%. When there is no benefit on the insured person’s Medical Scheme, reconstruction of the unaffected breast for symmetry is limited to R22,000 per insured person per lifetime. Subject to the Overall Annual Limit.

Turnberry Optimal Added Benefits

🟥 Medical Scheme Contribution Waiver	Limited to R7,500 per month for six months if the Medical Scheme Contribution Payer dies or becomes permanently disabled in an accident.
🟧 Gap Premium Waiver	Pays your Optimal Policy premium for 12 months if the Contribution Payer dies or becomes permanently disabled in an accident.
🟨 Personal Accident Benefit	Limited to R19,500 per insured registered on the policy if there is accidental death or permanent total disability.
🟩 Critical Illness Benefit	The policy is limited to R9,500 per insured if death or critical illness occurs (excluding cancer).
🟦 International Travel Cover	R5 million per insured, but a 48-hour travel notice is required.

Turnberry Premier

💙 Turnberry Premier is the umbrella that protects your entire family. It provides comprehensive cancer benefits and a wide range of benefits to cover unforeseen medical expense shortfalls.

Turnberry Premier In-Hospital Benefits

🟥 Medical Expense Shortfall Cover	Increases medical aid by 600%. Covers costs associated with GPs, Specialists, Anaesthetists, Radiology, Pathology, and Consumables. Subject to the Overall Annual Limit.
🟧 Co-payment cover	Subject to the Overall Annual Limit.
🟨 Non-DSP Hospital Penalty Cover	Limited to R16,500 per admission. Limited to 1 family claim per year. Subject to the Overall Annual Limit.
🟩 Sub-Limit Cover	Limited to R43,000 per admission per insured. Subject to the Overall Annual Limit.
🟦 Trauma Recovery Cover	The cover is provided when the Medical Scheme has imposed a sub-limit on a step-down facility for physical rehabilitation due to an accident that occurred while the policy was in effect. Limited to R6,000 per admission per insured and R10,000 per family per year.

Turnberry Premier In-Hospital Dental Cover

🟥 Medical Expense Shortfall Cover	Increases medical aid by 600% for impacted wisdom teeth, orthognathic surgery, reconstructive maxillofacial surgery after an accident, and oral cancer diagnosed while on the policy. Subject to the Overall Annual Limit.
🟧 Basic Dental Medical Expense Shortfall Cover for Children	Increases Medical Aid by 600% for basic dentistry for children under 12. Limited to R5,000 per family per year.
🟨 Co-payment Cover	Subject to the Overall Annual Limit.
🟦 Sub-limit and Co-payment Cover Dental Implants	Covers the cost of dental implants for reconstructive maxillofacial surgery due to an accident (which occurred while the policy was in effect) and oral cancer (diagnosed while the policy was in effect). The annual limit is R55,000 per family. Subject to the Overall Annual Maximum.
🟪 Sub-limit Cover	Limited to R34,000 per admission for impacted wisdom teeth, orthognathic surgery, reconstructive maxillofacial surgery due to an accident while on the policy, and oral cancer (diagnosed while on the policy). Subject to the Overall Annual Limit.

Turnberry Premier Out-of-Hospital Benefits

🟥 Co-payments for MRI, CT, and PET scans	Provides cover for MRI and CT scans when there is no benefit available on your Medical Scheme. Limited to R8 000 per event and 2 claims per family per annum. Subject to the Overall Annual Limit
🟧 Co-payments for scopes	Limited to R8,000 per event. Limited to 2 claims per insured yearly. Subject to the Overall Annual Limit.
🟨 Sub-limit cover for MRI, CT, and PET scans	Limited to R43,000 per event per insured. Subject to the Overall Annual Limit.
🟩 Casualty Benefits for Accidents	Limited to R18,000 per event per insured. Subject to the Overall Annual Limit.
🟦 Casualty Benefit for Illness	Limited to R5,000 per event. Limited to 3 claims per family yearly. Subject to the Overall Annual Limit. Treatment is limited to 6 pm – 6 am, Mondays–Fridays, Saturdays–Sundays, and Public Holidays

Turnberry Premier In-Hospital and Out-of-Hospital Benefits

🟥 Traditional Cancer Cover	Pays for cancer treatment in a private facility, including sub-limits, deductibles, and co-payments. Subject to the Overall Annual Limit.
🟧 Biological Cancer Drug Cover	Covers Biological Cancer Drugs when the Medical Scheme has a sub-limit. Subject to the formulary and the Annual Maximum
🟨 Innovative Cancer Drug Cover	Cover for new and innovative cancer drugs. Each claim is limited to R12,000. Subject to the Overall Annual Limit.
🟩 MRI and CT Scan Cover	Covers MRI and CT scans without Medical Scheme cover. Limited R8,000 per event and 2 claims per family per year. Subject to the Overall Annual Limit.
🟦 Trauma Care Cover	Covers trauma counseling with a registered healthcare provider after a member is diagnosed with a critical illness, is a victim of a violent crime, or loses an immediate family member. Limited to R3,000 per insured and R8,000 per family annually. Subject to the Overall Annual Limit
🟪 Breast Cancer Prevention Cover	Increases the Medical Aid rate for a Prophylactic Mastectomy by up to 600%. Subject to clinical entry criteria and the Annual Maximum.
🟥 Breast Cancer Reconstruction Cover	Increases the Medical Aid rate for breast reconstruction after a mastectomy due to cancer for the affected breast by up to 600%. When there is no benefit on the insured person’s Medical Scheme, reconstruction of the unaffected breast for symmetry is limited to R29,000 per insured person per lifetime. Subject to the Overall Annual Limit.

Turnberry Premier Added Benefits

🟥 Cancer Diagnosis Benefit	Once-off payment for initial diagnosis of Cancer according to the stage at the time of diagnosis, limited to the following: Stage 1 – R7,500 Stage 2 – R18,000 Stage 3 – R25,000 Stage 4 – R30,000
🟧 Medical Scheme Contribution Waiver	Limited to R7,500 per month for six months if the Medical Scheme Contribution Payer dies or becomes permanently disabled in an accident.
🟨 Gap Premium Waiver	Pays your Premier Policy premium for 12 months if the Contribution Payer dies or becomes permanently disabled in an accident.
🟩 Personal Accident Benefit	Limited to R34,000 per insured registered on the policy if there is accidental death or permanent total disability.
🟦 Critical Illness Benefit	The policy is limited to R13,500 per insured if a death or critical illness occurs (excluding cancer).
🟪 International Travel Cover	R5 million per insured, but a 48-hour travel notice is required.

How to apply for Gap Cover with Turnberry

👉🏿 To apply for Gap Cover with Turnberry, you can follow these steps:

✅ Visit the Turnberry website and navigate to the Gap Cover section.
✅ Select the policy option that best suits your needs and budget.
✅ Complete the application form online, providing all necessary personal and medical information.
✅ Choose your payment method, which can be monthly, quarterly, bi-annually, or annually.
✅ Review the terms and conditions of the policy and ensure that you understand the cover and any exclusions.
✅ Submit your application and wait for confirmation of your policy acceptance.

💙 Once your policy is active, you can claim eligible medical expenses within the coverage limits.

Turnberry Extended Cover

💙 The 2025 Turnberry’s Extended Family Cover enables customers to insure extended family members or additional dependants who are listed on their main insurance beneficiary’s medical scheme against premiums.

💙 Dependents can receive inclusion status through payment of an additional premium per month. The standard Family definition includes the primary insured person along with their eligible spouse and children who are under twenty-six years old unless the child suffers from either mental or physical disabilities disabling their ability to work.

💙 All dependents included under the standard definition are covered without extra charges being added to policy premiums.

How can I change my Turnberry Gap Cover option?

👉🏿 If you wish to change your Turnberry Gap Cover option, you can follow these steps:

✅ Contact Turnberry directly via phone or email and inform them you wish to change your policy option.
✅ Discuss your requirements and the different policy options available to determine the best option for your needs.
✅ Provide any necessary updated personal or medical information to support the change.
✅ Review the new policy option’s terms and conditions to ensure you understand the cover and any exclusions.
✅ Confirm the changes to your policy with Turnberry and wait for confirmation of the policy amendment.

💙 Once the changes are active, you can claim eligible medical expenses within the updated cover limits.

How to Submit a Claim for Gap Cover with Turnberry

👉🏿 To submit a claim for Gap Cover with Turnberry, you can follow these steps:

✅ Obtain the necessary claim form from the Turnberry website or request it from Turnberry directly via phone or email.
✅ Fill out the claim form accurately and completely, providing all required information, such as your details, policy number, and medical treatment.
✅ Attach all necessary supporting documentation, such as medical bills, receipts, and a letter from your medical scheme detailing the payment received.
✅ Submit the claim form and supporting documentation to Turnberry via email, fax, or post.
✅ Wait for confirmation of your claim receipt and for Turnberry to process your claim.
✅ Turnberry will assess your claim and determine the amount payable based on your policy cover and any applicable waiting periods, sub-limits, or exclusions.

💙 Once your claim is approved, Turnberry will pay the eligible amount directly to you or the medical service provider, as per your preference.

Turnberry Gap Cover Exclusions

👉🏿 Turnberry is not liable for hospitalization, bodily injury, sickness, or disease caused by certain factors, including:

✅ Nuclear weapons or nuclear material or ionizing radiation
✅ LASIK or other refractive surgery for myopia, hyperopia, and astigmatism
✅ Investigations, treatment, or surgery for obesity, cosmetic surgery, or surgery directly or indirectly caused by cosmetic surgery
✅ Routine physical or diagnostic procedures with no objective indications of impairment in normal health
✅ Suicide, attempted suicide, or intentional self-injury
✅ The taking of any drug or narcotic unless prescribed by a Medical Practitioner
✅ An event directly attributable to an alcohol-related illness or having an alcohol content above the legal limit
✅ Active military duty, police duty, civil commotion, labor disturbances, riots, strikes, or locked-out worker activities
✅ Artificial insemination, hormone treatment, or surgery and many more. A full list will be supplied.

Exceptions for Premier, Optimal, and Synergy include:

✅ Cover for co-payments and sub-limits for depression, insanity, and mental and stress-related conditions.
✅ Cover for co-payments and sub-limits for dentistry except for investigations, treatment, or surgery related to dental implants.
✅ Benefit 1 (Private Rate Cover) for dentistry is limited to impacted wisdom teeth, orthognathic surgery, and reconstructive maxillofacial surgery due to an accident while on the policy and oral cancer diagnosed while on the policy.
✅ Cover for dentist shortfall for children under 12 only.

Trauma Recovery Cover Exception:

✅ The step-down facility must be authorized and paid from the Medical Scheme’s Risk-Benefit (not day-to-day benefits).

Med-Extend Exception:

💙 The Policy’s Defined Procedures are not covered unless the Insured person’s Medical Scheme fully declines them.

Turnberry Gap Cover Waiting Periods

💙 A general waiting period of three months applies to all benefits except for accidents that occur while on the policy. However, if the policy’s commencement date is the same as the Medical Scheme’s commencement date, Medical Expense Shortfall Cover will not have a general waiting period and will increase the medical aid rate up to 600%.

💙 There is a waiting period of 10 months for pregnancy/childbirth and a waiting period of 12 months for the following:

❎ Investigations
❎ Treatment or surgery related to hysterectomy
❎ Hysteroscopies
❎ Endometriosis
❎ Tonsillectomy
❎ Myringotomy
❎ Grommets
❎ Adenoids
❎ Wisdom teeth
❎ Hernia
❎ Cataracts
❎ Gastroscopies
❎ Colonoscopies
❎ Cancer
❎ Nasal
❎ Sinus

Turnberry Gap Cover vs Other Notable Providers

🔎 Gap Cover Provider	🥇 Turnberry	🥈 Liberty	🥉 Ambledown
🟥 Number of Plans	5	2	7
🟧 Average Price From	R169	R253	R245
🟨 Waiting Periods	3 – 12 months	3 – 12 months	3 – 12 months
🟩 Exclusions	✅ Yes	✅ Yes	✅ Yes
🟦 Oncology Benefit	✅ Yes	✅ Yes	✅ Yes
🟪 In-Hospital Benefit	✅ Yes	✅ Yes	✅ Yes
🟥 Out-of-Hospital Cover	✅ Yes	✅ Yes	✅ Yes
🟧 Maternity Benefit	None	None	None
🟨 Scopes and Scans	✅ Yes	✅ Yes	✅ Yes
🟩 Co-payment Cover	✅ Yes	✅ Yes	✅ Yes
🟦 Emergency Room	✅ Yes	✅ Yes	✅ Yes
🟪 Accidental Cover	✅ Yes	✅ Yes	✅ Yes
🟥 Trauma Counseling	✅ Yes	✅ Yes	None
🟧 Premium Waiver	✅ Yes	✅ Yes	✅ Yes
🟨 Non-DSP Co-Payment	✅ Yes	✅ Yes	None
🟩 Prostheses	✅ Yes	✅ Yes	None
🟦 Accidental Death/ Permanent Disability	✅ Yes	✅ Yes	✅ Yes
🟪 Travel Cover Extender	None	None	None

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Turnberry Gap Cover Pros and Cons

✅ Pros	❌ Cons
Comprehensive cover for a wide range of medical expenses	There is a general waiting period of three months applies to all benefits (except for accidents)
Cover for medical aid shortfalls up to 600% of the medical aid rate	There is a waiting period of 10 months for pregnancy/childbirth
Cover for chronic medication and co-payments	There is a waiting period of 12 months for certain investigations, treatments, or surgery
Optional international travel insurance	Changing policy options may result in changes to premiums, waiting periods, and cover limits

Our Verdict on Turnberry Gap Cover

💙 Turnberry Gap Cover offers comprehensive coverage for a wide range of medical expenses, making it an excellent choice for those seeking to reduce out-of-pocket expenses.

💙 The policy provides cover for medical aid shortfalls up to 600% of the medical aid rate, chronic medication, co-payments, and certain dental and mental health procedures.

💙 Turnberry Gap Cover offers an optional international travel insurance policy, providing peace of mind for policyholders traveling abroad. It is important to note that changing your policy option may change your premiums, waiting periods, and cover limits.

Turnberry Gap Cover Frequently Asked Questions

What is Turnberry Gap Cover, and what does it cover?

Turnberry Gap Cover is a supplementary insurance policy that covers medical aid shortfalls, co-payments, chronic medication, certain dental and mental health procedures, and other eligible medical expenses not covered by medical aid.

How does Turnberry Gap Cover reduce my out-of-pocket expenses?

Turnberry Gap Cover covers medical aid shortfalls up to 600% of the medical aid rate, reducing out-of-pocket expenses for medical treatments.

Does Turnberry Gap Cover offer coverage for chronic medication?

Yes, Turnberry Gap Cover covers the chronic medication, which can be a significant financial burden for policyholders.

Is there a waiting period for cover under Turnberry Gap Cover?

Yes, there is a general waiting period of three months for all benefits (except for accidents). There are also waiting periods for certain medical treatments, such as pregnancy/childbirth, and investigations, treatment, or surgery for specific conditions.

Does Turnberry Gap Cover offer cover for dental procedures?

Turnberry Gap Cover covers certain dental procedures, such as wisdom teeth removal and maxillofacial surgery.

Does Turnberry Gap Cover provide mental health coverage?

Yes, Turnberry Gap Cover offers cover for certain mental health conditions, including depression and anxiety, with no sub-limits or co-payments.

Does Turnberry Gap Cover offer international travel insurance?

Yes, Turnberry Gap Cover provides optional international travel insurance, providing peace of mind for policyholders traveling abroad.

Are there any exclusions under Turnberry Gap Cover?

Yes, there are certain exclusions under Turnberry Gap Cover, such as treatment related to nuclear weapons, cosmetic surgery, and professional sports. There is also no cover for treatments received between 6 pm to 6 am on Mondays-Fridays, Saturdays, Sundays, and Public Holidays.

Can I change my Turnberry Gap Cover policy option?

Yes, policyholders can change their Turnberry Gap Cover policy option by contacting Turnberry directly via phone or email. However, changing policy options may change premiums, waiting periods, and cover limits.

Adriaan Schoeman

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.