Premier
About this plan
Premium gap cover providing up to 600% medical aid tariff cover for specialist shortfalls, comprehensive oncology benefits, approved co-payments, casualty benefits, and extensive hospital-related protection.
Monthly premium
From
R315
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
Premier
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
- ✅ Turnberry Premier Premiums
- ✅ Turnberry Premier Benefits and Cover Breakdown
- ✅ Turnberry Premier Exclusions and Waiting Periods
- ✅ Turnberry Premier vs Other Gap Cover Plans
- ✅ Our Verdict on Turnberry Premier
- ✅ Turnberry Premier Frequently Asked Questions
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.
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
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 |
