Turnberry Gap Cover
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 R164 ZAR. Turnberry has a trust score of 4.3.
Turnberry Gap Cover has five plans to choose from
| 🟥 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 Cover – Advantages Over Competitors
- ✅ Turnberry Gap Cover Features
- ✅ How to apply for Gap Cover with Turnberry
- ✅ How can I change my Turnberry Gap Cover option?
- ✅ How to Submit a Claim for Gap Cover with Turnberry
- ✅ Turnberry Gap Cover Exclusions
- ✅ Turnberry Gap Cover Waiting Periods
- ✅ Turnberry Gap Cover vs Other Notable Providers
- ✅ Turnberry Gap Cover Pros and Cons
- ✅ Our Verdict on Turnberry Gap Cover
- ✅ Turnberry Gap Cover Frequently Asked Questions
Turnberry Gap Cover Premiums
| 🟥 Turnberry Gap Option | 🅰️ Families under 65 years | 🅱️ Families that have members 65 years> |
| 🟧 Launch | R164 | R285 |
| 🟨 Med-Extend | R386 | R525 |
| 🟩 Synergy | R380 | R532 |
| 🟦 Optimal | R445 | R643 |
| 🟪 Premier | R588 | R845 |
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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.
and many, many more.
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 R185,837.63.
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 R6,000 per insured event.
Subject to the overall limit. |
Turnberry Launch Added Benefits
| 🟩 Medical Scheme Contribution Waiver | Limited to R6,000 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 R5,000 per admission.
Limited to 2 family claims per year.
Subject to the Overall Annual Limit. |
| 🟩 Casualty Benefit for Accidents and Illness | Limited to R3,500 per family per year.
Illness Casualty Benefit will be limited to 6 pm – 6 am Mondays–Fridays, Saturdays–Sundays, and Public Holidays |
| 🟦 MRI and CT scan cover | Covers MRI and CT scans without Medical Scheme cover.
Limited to R4,000 per event and 1 claim per family per year.
Subject to the Overall Annual Limit. |
| 🟪 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 R9,000 per admission.
Limited to 1 family claim per year.
Subject to the Overall Annual Limit. |
| 🟩 Sub-Limit Cover | Limited to R28,000 per admission per insured.
Limited to R70,000 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 R2,000 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 R20,000 per admission, R50,000 per family per year.
Subject to the Overall Annual Limit. |
| 🟦 Sub-limit Cover | Limited to R20,000 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 R4,000 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 R28,000 per event per insured.
Limited to R70,000 per family per year.
Subject to the Overall Annual Limit. |
| 🟩 Casualty Benefits for Accidents | Limited to R9,500 per event per insured.
Subject to the Overall Annual Limit. |
| 🟦 Casualty Benefit for Illness | Limited to R3,000 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.
R4,500 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 R2,000 per insured and R6,000 per family annually.
Subject to the Overall Annual Limit |
Turnberry Synergy Added Benefits
| 🟥 Medical Scheme Contribution Waiver | Limited to R6,000 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 R10,000 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 R11,000 per admission.
Limited to 1 family claim per year.
Subject to the Overall Annual Limit. |
| 🟩 Sub-Limit Cover | Limited to R28,000 per admission per insured.
Limited to R70,000 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 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 R20,000 per admission, R50,000 per family per year.
Subject to the Overall Annual Limit. |
| 🟦 Sub-limit Cover | Limited to R20,000 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 Overall Annual Limit. |
| 🟧 Co-payments for scopes | Limited to R4,000 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 R28,000 per event per insured.
Limited to R70,000 per family per year.
Subject to the Overall Annual Limit. |
| 🟩 Casualty Benefits for Accidents | Limited to R10,000 per event per insured.
Subject to the Overall Annual Limit. |
| 🟦 Casualty Benefit for Illness | Limited to R3,500 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 R10,000.
Subject to the Overall Annual Limit. |
| 🟩 MRI and CT Scan Cover | Covers MRI and CT scans without Medical Scheme cover.
R4,500 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 R2,000 per insured and R6,000 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 R18,000 per insured person per lifetime.
Subject to the Overall Annual Limit. |
Turnberry OptimalAdded Benefits
| 🟥 Medical Scheme Contribution Waiver | Limited to R6,000 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 R10,000 per insured registered on the policy if there is accidental death or permanent total disability. |
| 🟩 Critical Illness Benefit | The policy is limited to R7,500 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 R14,000 per admission.
Limited to 1 family claim per year.
Subject to the Overall Annual Limit. |
| 🟩 Sub-Limit Cover | Limited to R38,000 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 R3,000 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 R4,000 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 R50,000 per family.
Subject to the Overall Annual Maximum. |
| 🟪 Sub-limit Cover | Limited to R30,000 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 | Subject to the Overall Annual Limit. |
| 🟧 Co-payments for scopes | Limited to R4,000 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 R38,000 per event per insured.
Subject to the Overall Annual Limit. |
| 🟩 Casualty Benefits for Accidents | Limited to R15,000 per event per insured.
Subject to the Overall Annual Limit. |
| 🟦 Casualty Benefit for Illness | Limited to R3,500 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 R10,000.
Subject to the Overall Annual Limit. |
| 🟩 MRI and CT Scan Cover | Covers MRI and CT scans without Medical Scheme cover.
Limited R6,500 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 R2,000 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 R25,000 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 – R5,000
Stage 2 – R15,000
Stage 3 – R20,000
Stage 4 – R25,000 |
| 🟧 Medical Scheme Contribution Waiver | Limited to R6,000 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 R30,000 per insured registered on the policy if there is accidental death or permanent total disability. |
| 🟦 Critical Illness Benefit | The policy is limited to R10,000 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.
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
and more. A full list of waiting periods will be supplied.
Turnberry Gap Cover vs Other Notable Providers
| 🔎 Gap Cover Provider | 🥇 Turnberry | 🥈 Liberty | 🥉 Ambledown |
| 🟥 Number of Plans | 5 | 2 | 7 |
| 🟧 Average Price | R155 | R333 | R203 |
| 🟨 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.
