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Turnberry Premier (🇿🇦 2025)

Overall, Turnberry Premier Gap Cover is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Turnberry Premier Gap Cover Plan starts from R673 ZAR. Turnberry has a trust score of 4.3.

🔎 Provider	🥇 Turnberry Premier
🟥 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	R673
🟥 Oncology Benefit	✅ Yes
🟧 In-Hospital Benefit	✅ Yes
🟨 Out-of-Hospital Cover	✅ Yes

Turnberry Premier Gap Cover – 7 Key Point Quick Overview

Turnberry Premier Overview

The Turnberry Premier is one of five plans that starts from R673 per month. The Turnberry Premier Plan has benefits for cancer diagnosis, trauma care, illness, co-payments, premium waivers, breast cancer prevention, and more.

Turnberry Gap Cover has five plans to choose from

Turnberry Premier Premiums

🅰️ Families under 65 years	🅱️ Families that have members 65 years>
R673	R968

Turnberry Premier Benefits and Cover Breakdown

Turnberry Premier In-Hospital Benefits

🟥 Medical Expense Shortfall Cover	Increases medical aid by 600%. Covers costs associated with GPs, Specialists, Anaesthetists, Radiology, Pathology, and Consumables. Subject to the Overall Annual Limit.
🟧 Co-payment cover	Subject to the Overall Annual Limit.
🟨 Non-DSP Hospital Penalty Cover	Limited to R16,500 per admission. Limited to 1 family claim per year. Subject to the Overall Annual Limit.
🟩 Sub-Limit Cover	Limited to R43,000 per admission per insured. Subject to the Overall Annual Limit.
🟦 Trauma Recovery Cover	The cover is provided when the Medical Scheme has imposed a sub-limit on a step-down facility for physical rehabilitation due to an accident while the policy was in effect. Limited to R6,000 per admission per insured and R10,000 per family per year.

Turnberry Premier In-Hospital Dental Cover

🟥 Medical Expense Shortfall Cover	Increases medical aid by 600% 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.
🟧 Basic Dental Medical Expense Shortfall Cover for Children	Increases Medical Aid by 600% for basic dentistry for children under 12. Limited to R5,000 per family per year.
🟨 Co-payment Cover	Subject to the Overall Annual Limit.
🟩 Sub-limit and Co-payment Cover Dental Implants	Covers the cost of dental implants for reconstructive maxillofacial surgery due to an accident (which occurred while the policy was in effect) and oral cancer (diagnosed while the policy was in effect). The annual limit is R55,000 per family. Subject to the Overall Annual Maximum.
🟦 Sub-limit Cover	Limited to R34,000 per admission for impacted wisdom teeth, orthognathic surgery, reconstructive maxillofacial surgery due to an accident while on the policy, and oral cancer (diagnosed while on the policy). Subject to the Overall Annual Limit.

Turnberry Premier Out-of-Hospital Benefits

🟥 Co-payments for MRI, CT, and PET scans	Subject to the Overall Annual Limit
🟧 Co-payments for scopes	Limited to R8,000 per event. Limited to 2 claims per insured yearly. Subject to the Overall Annual Limit.
🟨 Trauma Care Cover	Covers the cost of trauma counselling consultations with a registered healthcare provider after a member has been diagnosed with a critical illness, a victim of a violent crime or experienced the death of an immediate family member. Limited to R3 000 per consultation and R8 000 per family per annum. Subject to the Overall Annual Limit
🟩 Personal Accident Benefit	R34 000 per insured on the Policy in the event of accidental death or permanent and total disability
🟦 Casualty Benefit for Illness	R5 000 per event. Limited to 3 claims per family per annum. Subject to the Overall Annual Limit. Treatment is restricted to between the hours of 6pm – 6am Mondays – Fridays, Saturdays, Sundays and Public Holidays
🟫 Casualty Benefit for Accidents	R18 000 per event per insured. Subject to the Overall Annual Limit.
🟪 SUB-Limit cover for MRI, CT and Pet Scans	R43 000 per event per insured. Subject to the Overall Annual Limit

Turnberry Premier In-Hospital and Out-of-Hospital Benefits

🟥 Traditional Cancer Cover	Pays for treatment in a private facility, including sub limits, deductibles or co-payments related to cancer treatment. Subject to the Overall Annual Limit
🟧 Biological Cancer Drug Cover	Provides cover for Biological Cancer Drugs when the Medical Scheme imposes a sub-limit. Subject to the formulary (see pg 3) and the Overall Annual Limit
🟨 Innovative Cancer Drug Cover	Provides cover for new innovative cancer drugs. Limited to R12 000 per claim. Subject to the Overall Annual Limit
🟩 MRI and CT Scan Cover	Provides cover for MRI and CT scans when there is no benefit available on your Medical Scheme. Limited to R8 000 per event and 2 claims per family per annum. Subject to the Overall Annual Limit
🟦 Investigative Treatment	Scopes for Screening purposes will be limited to 1 every 5 years, per insured person and R8 500. Subject to the Overall Annual Limit
🟪 Trauma Care Cover	Covers the cost of trauma counselling consultations with a registered healthcare provider after a member has been diagnosed with a critical illness, a victim of a violent crime or experienced the death of an immediate family member. Limited to R3 000 per consultation and R8 000 per family per annum. Subject to the Overall Annual Limit
🟥 Breast Cancer Prevention Cover	Increases the Medical Aid rate up to 600% for a Prophylactic Mastectomy. Subject to clinical entry criteria and the Overall Annual Limit
⬛ Breast Cancer Reconstruction Cover	Increases the Medical Aid rate up to 600% for a breast reconstruction post mastectomy due to cancer for the affected breast. Reconstruction of the unaffected breast for the purposes of symmetry, when there is no benefit on the Insured person’s Medical Scheme is limited to R29 000 per insured person, per lifetime. Subject to the Overall Annual Limit

Turnberry Premier Added Benefits

🟥 Cancer Diagnosis Benefit	Once-off payment for initial diagnosis of Cancer according to the stage at the time of diagnosis, limited to the following: Stage 1 R7 500 Stage 2 R18 000 Stage 3 R25 000 Stage 4 R30 000
🟧 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 Premier Policy premium for 12 months if the Contribution Payer dies or becomes permanently disabled in an accident.
🟩 Personal Accident Benefit	Limited to R34,000 per insured registered on the policy if there is accidental death or permanent total disability.
🟦 Critical Illness Benefit	The policy is limited to R13 500 per insured if a death or critical illness occurs (excluding cancer).
🟪 International Travel Cover	R5 million per insured, but a 48-hour travel notice is required.

💙Read more about the 5 Affordable Medical Aids for University Students

Turnberry Premier Exclusions and Waiting Periods

Turnberry Premier Exclusions

Turnberry Premier 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.
✅ Treatment for not following doctor’s orders.
✅ Casualty Illness Benefit treatment not received during specified hours.
✅ Injuries from professional sports or dangerous recreational activities.

and more. A full list of exclusions will be provided by Turnberry.

Turnberry Premier 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

and more. A full overview of Premier Waiting Periods will be provided by Turnberry.

Turnberry Premier vs Other Gap Cover Plans

🔎 Provider	🥇 Turnberry Premier	🥈 Standard Bank GapAssist Universal	🥉 Stratum Benefits Elite
🟥 Years in Operation	22 years	61 years (Standard Bank)	24 years
🟧 Underwriters	Lombard Insurance Company	Standard Insurance Limited	Guardrisk Insurance Company Limited (FSP 75)
🟨 Market Share in South Africa	<5%	<10%	>5%
🟩 Gap Cover Waiting Period	3 – 12 months	12 Months	3 Months
🟦 Do Exclusions Apply	✅ Yes	✅ Yes	✅ Yes
🟪 Average Monthly Premium	R673	R537	R481
🟥 Oncology Benefit	✅ Yes	✅ Yes	✅ Yes
🟧 In-Hospital Benefit	✅ Yes	✅ Yes	✅ Yes
🟨 Out-of-Hospital Cover	✅ Yes	✅ Yes	✅ Yes
🟩 Maternity Benefit	None	None	✅ Yes
🟦 Scopes and Scans	✅ Yes	✅ Yes	✅ Yes
🟪 Co-payment Cover	✅ Yes	✅ Yes	✅ Yes
🟥 Emergency Room	✅ Yes	✅ Yes	✅ Yes
🟧 Accidental Cover	✅ Yes	✅ Yes	✅ Yes
🟨 Trauma Counseling	✅ Yes	✅ Yes	✅ Yes
🟩 Premium Waiver	✅ Yes	✅ Yes	None
🟦 Non-DSP Co-Payment	✅ Yes	✅ Yes	None
🟪 Prostheses	None	✅ Yes	✅ Yes
🟥 Travel Cover Extender	✅ Yes	None	✅ Yes
🟧 Accidental Death/ Permanent Disability	✅ Yes	✅ Yes	✅ Yes

Our Verdict on Turnberry Premier

Our findings indicate that The Turnberry Premier plan is a comprehensive gap cover solution that provides a robust range of in-hospital and out-of-hospital benefits to supplement your existing medical aid cover.

It offers increased coverage for medical services and procedures, helping to bridge the gap between what your medical aid pays and the actual cost of medical services. The plan’s extensive cover for cancer treatments, diagnostic scans, trauma counseling, and breast cancer prevention is particularly noteworthy.

Turnberry Premier Frequently Asked Questions

What is the Turnberry Premier gap cover plan?

The Turnberry Premier gap cover plan is a comprehensive healthcare plan offering in-hospital and out-of-hospital benefits.

What is the overall annual limit for the Turnberry Premier plan?

The overall annual limit is R210,580.06 per insured per annum.

How much does the Turnberry Premier plan cost?

The monthly premiums for the Turnberry Premier plan range from R673 to R968, depending on age.

Is Turnberry an authorized Financial Services Provider?

Yes, Turnberry is an authorized Financial Services Provider.

What dental benefits are included in the Turnberry Premier plan?

The plan includes an in-hospital dental cover with a sub-limit and co-payment cover for dental implants. It also provides basic dental medical expense shortfall cover for children.

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.