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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

💙 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 Launch

Turnberry 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.

💙 There is a general waiting period of three months for all benefits except accidents on the policy. A full list of waiting periods will be provided by Turnberry.

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

👉🏿 You might like to read the 5 Best Gap Cover Options for Under R300

Our Verdict on Turnberry Launch

💙 Turnberry Launch Gap Cover is a comprehensive solution that benefits individuals seeking additional cover beyond their medical aid plans.

💙 It offers in-hospital, added, and out-of-hospital benefits, including medical expense shortfalls up to 350% of the medical aid rate. The plan also includes features such as casualty benefits for accidents, contribution and premium waivers in the event of death or permanent disability, and international travel cover.

💙 However, it is important to note that there are limits on annual coverage and waiting periods for certain benefits.

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Turnberry Launch Frequently Asked Questions

What is the overall annual limit of Turnberry Launch?

The overall annual limit is R210,580 per insured per annum.

What are the waiting periods for Turnberry Launch?

There is a 3-month general waiting period, a 10-month waiting period for pregnancy/childbirth, and a 12-month waiting period for investigations, treatment, or surgery for specific conditions.

What is the Medical Expense Shortfall Cover in Turnberry Launch?

It increases the Medical Aid rate to 350% for various medical services.

What is the Gap Premium Waiver in Turnberry Launch?

It pays the premium of your Launch Policy for 12 months in the event of death or permanent and total disability due to an accident.

Is Turnberry Launch a Substitute for Medical Scheme Membership?

No, Turnberry Launch is not a substitute for Medical Scheme membership. Instead, it is a Gap Cover solution that can help policyholders avoid out-of-pocket expenses for medical shortfalls.

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.