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Turnberry

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

Turnberry Med Extend (πŸ‡ΏπŸ‡¦ 2025*)

  πŸ’™ 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.  
πŸ”Ž ProviderπŸ₯‡ Turnberry Med-Extend
πŸŸ₯ Years in Operation23 years
🟧 UnderwritersLombard Insurance Company
🟨 Market Share in South Africa<5%
🟩 Gap Cover Waiting Period3 – 12 months
🟦 Do Exclusions Applyβœ… Yes
πŸŸͺAverage Monthly PremiumR398
πŸŸ₯ Oncology BenefitNone
🟧 In-Hospital Benefitβœ… Yes
🟨 Out-of-Hospital CoverNone
    Turn Berry Med Extent

Turnberry Med-Extend Gap Cover - 7 Key Point Quick Overview

  1. βœ… Turnberry Med-Extend Overview
  2. βœ… Turnberry Med-Extend Premiums
  3. βœ… Turnberry Med-Extend Benefits and Cover Breakdown
  4. βœ… Turnberry Med-Extend Exclusions and Waiting Periods
  5. βœ… Turnberry Med-Extend vs Other Gap Cover Plans
  6. βœ… Our Verdict on Turnberry Med-Extend
  7. βœ… Turnberry Med-Extend Frequently Asked Questions

Turnberry Med-Extend Overview

πŸ’™ 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.   πŸ‘‰πŸΏ Turnberry Gap Cover has five plans to choose from:   βœ…οΈ Turnberry Synergy βœ…οΈ Turnberry Premier βœ…οΈ Turnberry Optimal βœ…οΈ Turnberry Med Extend βœ…οΈ Turnberry Launch

Turnberry Med-Extend PremiumsMed Extent Gap Cover

πŸ…°οΈ Families under 65 yearsπŸ…±οΈ Families that have members 65 years>
R398R562
 

Turnberry Med-Extend Benefits and Cover Breakdown

Med-Extend Benefits

 
πŸŸ₯ In-hospital Procedures funded by the Medical SchemeIncreases medical aid by 300%. Covers costs associated with GPs, Specialists, Anaesthetists, Radiology, Pathology, and Consumables. Subject to the Overall Annual Limit.
🟧 Defined Procedures that the Medical Scheme excludesMed-Extend will cover Defined Procedures excluded by your Medical Scheme up to the listed rand value. Subject to the Overall Annual Limit.
🟨 Co-payment CoverLimited to R6,500 per admission. Limited to 2 family claims per year. Subject to the Overall Annual Limit.
🟩 Casualty Benefit for Accidents and IllnessLimited 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
🟦 MRI and CT scan coverCovers 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.
πŸŸͺ Medical Expense Shortfall CoverIncreases 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

πŸ’™ 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.  
πŸŸ₯ Number of claim-free yearsπŸŸͺ MedBoost Pay-Out
🟧 3 YearsR3,500
🟨 4 YearsR4,500
🟩 5 YearsR5,500
🟦 5+ YearsR6,500
  Added benefits

Med-Extend Added Benefits

 
🌎 International Travel CoverR5 million per insured, but a 48-hour travel notice is required.
 

Turnberry Med-Extend Exclusions and Waiting Periods

Waiting periods

Turnberry Med-Extend Exclusions

  πŸ‘‰πŸΏ Turnberry Med-Extend excludes Hospitalization, bodily injury, sickness, or disease caused by:  
  • βœ… Nuclear weapons, nuclear material, or ionizing radiation.
  • βœ… Suicide, attempted suicide, or intentional self-injury.
  • βœ… Taking drugs or narcotics not prescribed by a Medical Practitioner.
  • βœ… Alcohol-related illness or exceeding the legal alcohol limit.
  • βœ… Artificial insemination, hormone treatment, or surgery.
  • βœ… Fraudulent claim submissions.
  • βœ… Medical or surgical treatment not occurring during hospital confinement.
  • βœ… No benefits for transport charges or services during emergency transportation.
  • βœ… No ward fee benefits for additional costs during private ward confinement.
  • βœ… Treatment for not following doctor’s orders.
  • βœ… Casualty Illness Benefit treatment not received during specified hours.
  • βœ… Injuries from professional sports or dangerous recreational activities.

Turnberry Med-Extend Waiting Periods

πŸ‘‰πŸΏ 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:  
  • βœ… Investigations
  • βœ… Treatment or surgery related to hysterectomy
  • βœ… Hysteroscopies
  • βœ… Endometriosis
  • βœ… Ovarian cysts and fibroids
  • βœ… Musculoskeletal conditions
  • βœ… Tonsillectomy
  • βœ… Myringotomy
  • βœ… Grommets
  • βœ… Adenoids
  • βœ… Wisdom teeth
  • βœ… Hernia
  • βœ… Cataracts
Turnberry Med-Extend Exclusions and Waiting Periods

Turnberry Med-Extend vs Other Gap Cover Plans

 
πŸ”Ž ProviderπŸ₯‡ Turnberry Med-ExtendπŸ₯ˆ Cura Administrators Gap StandardπŸ₯‰ Total Risk Administrators Vital Cover Plus
πŸŸ₯ Years in Operation23 years27 years25 years
🟧 UnderwritersLombard Insurance CompanyGENRIC Insurance Company LimitedAuto & General Insurance Company Limited
🟨 Market Share in South Africa<5%<5%<5%
🟩 Gap Cover Waiting Period3 – 12 months3 – 12 months3 – 12 months
🟦 Do Exclusions Applyβœ… Yesβœ… Yesβœ… Yes
πŸŸͺAverage Monthly PremiumR398R345R360
πŸŸ₯ Oncology BenefitNoneNoneβœ… Yes
🟧 In-Hospital Benefitβœ… Yesβœ… Yesβœ… Yes
🟨 Out-of-Hospital CoverNoneNoneβœ… Yes
🟩 Maternity BenefitNoneNoneNone
🟦 Scopes and Scansβœ… Yesβœ… YesNone
πŸŸͺ Co-payment Coverβœ… Yesβœ… Yesβœ… Yes
πŸŸ₯ Emergency Roomβœ… Yesβœ… Yesβœ… Yes
🟧 Accidental Coverβœ… YesNoneNone
🟨 Trauma CounselingNoneNoneβœ… Yes
🟩 Premium WaiverNoneNoneβœ… Yes
🟦 Non-DSP Co-PaymentNoneNoneNone
πŸŸͺ ProsthesesNoneNoneβœ… Yes
πŸŸ₯ Travel Cover Extenderβœ… YesNoneβœ… Yes
🟧 Accidental Death/ Permanent DisabilityNoneNoneβœ… Yes
  Turnberry Med-Extend vs Other Gap Cover Plans

Our Verdict on Turnberry Med-Extend

  πŸ’™ Based on our research, Turnberry Med-Extend is a Gap Cover solution designed to address medical expense shortfalls and cover Defined Procedures excluded by a client’s specific Medical Scheme.   πŸ’™ Med-Extend offers features such as increased Medical Aid rates for in-hospital procedures, MRI and CT scan cover, and benefits like Casualty Cover, Co-payment Cover, MedBoost, and international travel cover.   πŸ’™ Turnberry Med-Extend has an annual limit and waiting periods for certain benefits.  

Turnberry Med-Extend Frequently Asked Questions

What is Turnberry Med-Extend?

Turnberry Med-Extend is a Gap Cover solution that helps individuals cover medical expense shortfalls and provides cover for Defined Procedures that their Medical Scheme excludes.  

How does Med-Extend work?

Med-Extend works by increasing the Medical Aid rate up to 300% for in-hospital procedures funded by the medical scheme, covering Defined Procedures excluded by the Medical Scheme, and offering benefits such as Co-payment Cover, MedBoost, and international travel cover.  

Does Med-Extend cover MRI and CT scans?

Yes, Med-Extend covers the cost of MRI and CT scans when no benefit is available on the client’s Medical Scheme. However, the cover is limited to R4,000 per event, and one claim is allowed per family per year.  

What is Turnberry Med-Extend MedBoost?

MedBoost is a benefit offered by Med-Extend that provides a lump sum pay-out when a client needs to undergo a Defined Procedure and has been claim-free for a specific number of years.  

Does Med-Extend offer international travel coverage?

Yes, Med-Extend provides international travel coverage with a benefit limit of R5 million per insured. This cover can be valuable for individuals traveling abroad and needing medical assistance.
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