Launch
About this plan
Entry-level gap cover providing up to 350% medical aid tariff cover for specialist shortfalls, approved co-payments, casualty treatment, and essential hospital-related expenses.
Monthly premium
From
R185
per month
What's covered
Hospital cover
Savings account
Day-to-day
Chronic cover
Dental
Optical
Maternity
Mental health
Waiting periods
- General
- 3 months
- Pre-existing conditions
- 12 months
Launch
Turnberry Launch (🇿🇦 2025*)
💙 Overall, Turnberry Launch Gap Cover is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Turnberry Launch Gap Cover Plan starts from R169 ZAR. Turnberry has a trust score of 4.3.| 🔎 Provider | 🥇 Turnberry Launch |
| 🟥 Years in Operation | 23 years |
| 🟧 Underwriters | Lombard Insurance Company |
| 🟨 Market Share in South Africa | <5% |
| 🟩 Gap Cover Waiting Period | 3 – 12 months |
| 🟦 Do Exclusions Apply | ✅ Yes |
| 🟪 Average Monthly Premium | R169 |
| 🟥 Oncology Benefit | None |
| 🟧 In-Hospital Benefit | ✅ Yes |
| 🟨 Out-of-Hospital Cover | ✅ Yes |
Turnberry Launch Gap Cover - 7 Key Point Quick Overview
- ✅ Turnberry Launch Overview
- ✅ Turnberry Launch Premiums
- ✅ Turnberry Launch Benefits and Cover Breakdown
- ✅ Turnberry Launch Exclusions and Waiting Periods
- ✅ Turnberry Launch vs Other Gap Cover Plans
- ✅ Our Verdict on Turnberry Launch
- ✅ Turnberry Launch Frequently Asked Questions
Turnberry Launch Overview
💙 The Turnberry Launch is one of five plans that starts from R169 per month. The Turnberry Launch Plan has benefits for casualties, dental shortfalls, medical expenses, gap and medical aid premiums, and international cover.
👉🏿 Turnberry Gap Cover has five plans to choose from :
✅️ Turnberry Synergy
✅️ Turnberry Premier
✅️ Turnberry Optimal
✅️ Turnberry Med Extend
✅️ Turnberry LaunchTurnberry Launch Premiums
| 🅰️ Families under 65 years | 🅱️ Families that have members 65 years> |
| R169 | R294 |
Turnberry Launch Benefits and Cover Breakdown
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. |
| 🅱️ Casualty Benefits for Accidents | 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). |
Turnberry Launch Exclusions and Waiting Periods
Turnberry Launch Exclusions
👉🏿 Turnberry Launch excludes Hospitalization, bodily injury, sickness, or disease caused by:- ✅ Nuclear weapons, nuclear material, or ionizing radiation.
- ✅ LASIK or other refractive surgery for myopia, hyperopia, and astigmatism.
- ✅ Investigations, treatment, or surgery for obesity or cosmetic purposes.
- ✅ Suicide, attempted suicide, or intentional self-injury.
- ✅ Taking drugs or narcotics not prescribed by a Medical Practitioner.
- ✅ Alcohol-related illness or exceeding the legal alcohol limit.
- ✅ Artificial insemination, hormone treatment, or surgery.
- ✅ Treatment or conditions excluded or paid less by the Insured’s Medical Scheme.
- ✅ Medical or surgical treatment not occurring during hospital confinement.
- ✅ No benefits for transport charges or services during emergency transportation.
- ✅ No ward fee benefits for additional costs during private ward confinement.
- ✅ Casualty Illness Benefit treatment not received during specified hours.
- ✅ Injuries from professional sports or dangerous recreational activities.
Turnberry Launch Waiting Periods
👉🏿 There is a waiting period of 10 months for pregnancy/childbirth. There is a waiting period of 12 months for the following treatments:- ✅ Investigations
- ✅ Hysteroscopies
- ✅ Endometriosis
- ✅ Tonsillectomy
- ✅ Myringotomy
- ✅ Grommets
- ✅ Adenoids, and more.
Turnberry Launch vs Other Gap Cover Plans
| 🔎 Provider | 🥇 Turnberry Launch | 🥈 Stratum Benefits Access Optimiser | 🥉 Total Risk Administrators Basic Cover 300 |
| 🟥 Years in Operation | 23 years | 25 years | 25 years |
| 🟧 Underwriters | Lombard Insurance Company | Guardrisk Insurance Company Limited (FSP 75) | Auto & General Insurance Company Limited |
| 🟨 Market Share in South Africa | <5% | >5% | <5% |
| 🟩 Gap Cover Waiting Period | 3 – 12 months | 3 Months | 3 – 12 months |
| 🟦 Do Exclusions Apply | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟪 Average Monthly Premium | R169 | R197 | R99 |
| 🟥 Oncology Benefit | None | None | ✅ Yes |
| 🟧 In-Hospital Benefit | ✅ Yes | ✅ Yes | None |
| 🟨 Out-of-Hospital Cover | ✅ Yes | None | ✅ Yes |
| 🟩 Maternity Benefit | None | None | None |
| 🟦 Scopes and Scans | None | ✅ Yes | None |
| 🟪 Co-payment Cover | None | None | None |
| 🟥 Emergency Room | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟧 Accidental Cover | ✅ Yes | ✅ Yes | None |
| 🟨 Trauma Counseling | None | None | ✅ Yes |
| 🟩 Premium Waiver | ✅ Yes | None | None |
| 🟦 Non-DSP Co-Payment | None | None | None |
| 🟪 Prostheses | None | ✅ Yes | None |
| 🟥 Travel Cover Extender | ✅ Yes | None | ✅ Yes |
| 🟧 Accidental Death/ Permanent Disability | None | ✅ Yes | ✅ Yes |
