Med Extend
About this plan
Supplementary gap cover designed to help pay specialist shortfalls and defined procedures excluded by certain medical scheme options.
Monthly premium
From
R325
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
Med Extend

Turnberry Med Extend (πΏπ¦ 2025*)
π Overall, Turnberry Med-Extend Gap Cover is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Turnberry Med-Extend Gap Cover Plan starts from R398 ZAR. Admed has a trust score of 4.3.| π Provider | π₯ Turnberry Med-Extend |
| π₯ Years in Operation | 23 years |
| π§ Underwriters | Lombard Insurance Company |
| π¨ Market Share in South Africa | <5% |
| π© Gap Cover Waiting Period | 3 β 12 months |
| π¦ Do Exclusions Apply | β Yes |
| πͺAverage Monthly Premium | R398 |
| π₯ Oncology Benefit | None |
| π§ In-Hospital Benefit | β Yes |
| π¨ Out-of-Hospital Cover | None |

Turnberry Med-Extend Gap Cover - 7 Key Point Quick Overview
- β Turnberry Med-Extend Overview
- β Turnberry Med-Extend Premiums
- β Turnberry Med-Extend Benefits and Cover Breakdown
- β Turnberry Med-Extend Exclusions and Waiting Periods
- β Turnberry Med-Extend vs Other Gap Cover Plans
- β Our Verdict on Turnberry Med-Extend
- β Turnberry Med-Extend Frequently Asked Questions
Turnberry Med-Extend Overview
π The Turnberry Med-Extend is one of five plans that starts from R398 per month. The Turnberry Med-Extend Plan has benefits for in-hospital procedures, co-payments, MRI and CT scans, medical expense shortfalls, and more. ππΏ Turnberry Gap Cover has five plans to choose from: β οΈ Turnberry Synergy β οΈ Turnberry Premier β οΈ Turnberry Optimal β οΈ Turnberry Med Extend β οΈ Turnberry LaunchTurnberry Med-Extend Premiums
| π °οΈ Families under 65 years | π ±οΈ Families that have members 65 years> |
| R398 | R562 |
Turnberry Med-Extend Benefits and Cover Breakdown
Med-Extend Benefits
| π₯ 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. |
| π§ Defined Procedures that the Medical Scheme excludes | Med-Extend will cover Defined Procedures excluded by your Medical Scheme up to the listed rand value. Subject to the Overall Annual Limit. |
| π¨ Co-payment Cover | Limited to R6,500 per admission. Limited to 2 family claims per year. Subject to the Overall Annual Limit. |
| π© Casualty Benefit for Accidents and Illness | Limited to R4,500 per family per year. Illness Casualty Benefit will be limited to 6 pm β 6 am MondaysβFridays, SaturdaysβSundays, and Public Holidays |
| π¦ MRI and CT scan cover | Covers MRI and CT scans without Medical Scheme cover. Limited to R5,500 per event and 1 claim per family per year. Subject to the Overall Annual Limit. |
| πͺ 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. |
Med-Extend MedBoost
π 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.| π₯ Number of claim-free years | πͺ MedBoost Pay-Out |
| π§ 3 Years | R3,500 |
| π¨ 4 Years | R4,500 |
| π© 5 Years | R5,500 |
| π¦ 5+ Years | R6,500 |

Med-Extend Added Benefits
| π International Travel Cover | R5 million per insured, but a 48-hour travel notice is required. |
Turnberry Med-Extend Exclusions and Waiting Periods

Turnberry Med-Extend Exclusions
ππΏ Turnberry Med-Extend excludes Hospitalization, bodily injury, sickness, or disease caused by:- β Nuclear weapons, nuclear material, or ionizing radiation.
- β Suicide, attempted suicide, or intentional self-injury.
- β Taking drugs or narcotics not prescribed by a Medical Practitioner.
- β Alcohol-related illness or exceeding the legal alcohol limit.
- β Artificial insemination, hormone treatment, or surgery.
- β Fraudulent claim submissions.
- β Medical or surgical treatment not occurring during hospital confinement.
- β No benefits for transport charges or services during emergency transportation.
- β No ward fee benefits for additional costs during private ward confinement.
- β Treatment for not following doctorβs orders.
- β Casualty Illness Benefit treatment not received during specified hours.
- β Injuries from professional sports or dangerous recreational activities.
Turnberry Med-Extend Waiting Periods
ππΏ There is a general waiting period of three months for all benefits except accidents on the policy and a waiting period of 10 months for pregnancy/childbirth. Furthermore, there is a waiting period of 12 months for the following treatments:- β Investigations
- β Treatment or surgery related to hysterectomy
- β Hysteroscopies
- β Endometriosis
- β Ovarian cysts and fibroids
- β Musculoskeletal conditions
- β Tonsillectomy
- β Myringotomy
- β Grommets
- β Adenoids
- β Wisdom teeth
- β Hernia
- β Cataracts

Turnberry Med-Extend vs Other Gap Cover Plans
| π Provider | π₯ Turnberry Med-Extend | π₯ Cura Administrators Gap Standard | π₯ Total Risk Administrators Vital Cover Plus |
| π₯ Years in Operation | 23 years | 27 years | 25 years |
| π§ Underwriters | Lombard Insurance Company | GENRIC Insurance Company Limited | Auto & General Insurance Company Limited |
| π¨ Market Share in South Africa | <5% | <5% | <5% |
| π© Gap Cover Waiting Period | 3 β 12 months | 3 β 12 months | 3 β 12 months |
| π¦ Do Exclusions Apply | β Yes | β Yes | β Yes |
| πͺAverage Monthly Premium | R398 | R345 | R360 |
| π₯ Oncology Benefit | None | None | β Yes |
| π§ In-Hospital Benefit | β Yes | β Yes | β Yes |
| π¨ Out-of-Hospital Cover | None | None | β Yes |
| π© Maternity Benefit | None | None | None |
| π¦ Scopes and Scans | β Yes | β Yes | None |
| πͺ Co-payment Cover | β Yes | β Yes | β Yes |
| π₯ Emergency Room | β Yes | β Yes | β Yes |
| π§ Accidental Cover | β Yes | None | None |
| π¨ Trauma Counseling | None | None | β Yes |
| π© Premium Waiver | None | None | β Yes |
| π¦ Non-DSP Co-Payment | None | None | None |
| πͺ Prostheses | None | None | β Yes |
| π₯ Travel Cover Extender | β Yes | None | β Yes |
| π§ Accidental Death/ Permanent Disability | None | None | β Yes |
