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Turnberry Med Extend (🇿🇦 2025*)

💙 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.

🔎 Provider	🥇 Turnberry Med-Extend
🟥 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	R398
🟥 Oncology Benefit	None
🟧 In-Hospital Benefit	✅ Yes
🟨 Out-of-Hospital Cover	None

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

Turnberry Med-Extend Overview

💙 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.

👉🏿 Turnberry Gap Cover has five plans to choose from:

✅️ Turnberry Synergy

✅️ Turnberry Premier

✅️ Turnberry Optimal

✅️ Turnberry Med Extend

✅️ Turnberry Launch

Turnberry Med-Extend Premiums

🅰️ Families under 65 years	🅱️ Families that have members 65 years>
R398	R562

Turnberry Med-Extend Benefits and Cover Breakdown

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 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.
🟨 Co-payment Cover	Limited to R6,500 per admission. Limited to 2 family claims per year. Subject to the Overall Annual Limit.
🟩 Casualty Benefit for Accidents and Illness	Limited 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 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.
🟪 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

💙 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

Med-Extend Added Benefits

🌎 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

👉🏿 Turnberry Med-Extend excludes Hospitalization, bodily injury, sickness, or disease caused by:

✅ Nuclear weapons, nuclear material, or ionizing radiation.
✅ 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.
✅ Fraudulent claim submissions.
✅ 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.
✅ Treatment for not following doctor’s orders.
✅ Casualty Illness Benefit treatment not received during specified hours.
✅ Injuries from professional sports or dangerous recreational activities.

Turnberry Med-Extend Waiting Periods

👉🏿 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:

✅ Investigations
✅ Treatment or surgery related to hysterectomy
✅ Hysteroscopies
✅ Endometriosis
✅ Ovarian cysts and fibroids
✅ Musculoskeletal conditions
✅ Tonsillectomy
✅ Myringotomy
✅ Grommets
✅ Adenoids
✅ Wisdom teeth
✅ Hernia
✅ Cataracts

Turnberry Med-Extend vs Other Gap Cover Plans

🔎 Provider	🥇 Turnberry Med-Extend	🥈 Cura Administrators Gap Standard	🥉 Total Risk Administrators Vital Cover Plus
🟥 Years in Operation	23 years	27 years	25 years
🟧 Underwriters	Lombard Insurance Company	GENRIC Insurance Company Limited	Auto & General Insurance Company Limited
🟨 Market Share in South Africa	<5%	<5%	<5%
🟩 Gap Cover Waiting Period	3 – 12 months	3 – 12 months	3 – 12 months
🟦 Do Exclusions Apply	✅ Yes	✅ Yes	✅ Yes
🟪Average Monthly Premium	R398	R345	R360
🟥 Oncology Benefit	None	None	✅ Yes
🟧 In-Hospital Benefit	✅ Yes	✅ Yes	✅ Yes
🟨 Out-of-Hospital Cover	None	None	✅ Yes
🟩 Maternity Benefit	None	None	None
🟦 Scopes and Scans	✅ Yes	✅ Yes	None
🟪 Co-payment Cover	✅ Yes	✅ Yes	✅ Yes
🟥 Emergency Room	✅ Yes	✅ Yes	✅ Yes
🟧 Accidental Cover	✅ Yes	None	None
🟨 Trauma Counseling	None	None	✅ Yes
🟩 Premium Waiver	None	None	✅ Yes
🟦 Non-DSP Co-Payment	None	None	None
🟪 Prostheses	None	None	✅ Yes
🟥 Travel Cover Extender	✅ Yes	None	✅ Yes
🟧 Accidental Death/ Permanent Disability	None	None	✅ Yes

Our Verdict on Turnberry Med-Extend

💙 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.

💙 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.

💙 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.

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.