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Turnberry Synergy (🇿🇦 2025)

Overall, Turnberry Synergy Gap Cover is a trustworthy short-term insurance product designed to provide extra protection for those with medical aid. The Plan starts from R441 ZAR. Turnberry has a trust score of 4.3.

🔎 Provider	🥇 Turnberry Synergy
🟥 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	R441
🟥 Oncology Benefit	None
🟧 In-Hospital Benefit	✅ Yes
🟨 Out-of-Hospital Cover	✅ Yes

Turnberry Synergy Gap Cover – 7 Key Point Quick Overview

Turnberry Synergy Overview

The Turnberry Synergy is one of five plans that starts from R441 per month. The plan has benefits for non-DSP hospital penalties, sub-limits, co-payments, reconstructive maxilla-facial surgery, and more.

Turnberry Gap Cover has five plans to choose from

Turnberry Synergy Premiums

🅰️ Families under 65 years	🅱️ Families that have members 65 years>
R441	R628

Turnberry Synergy Benefits and Cover Breakdown

Turnberry Synergy In-Hospital Benefits

🟥 Medical Expense Shortfall Cover	Increases medical aid by 500%. 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 R10 500 per admission. Limited to 1 family claim per year. Subject to the Overall Annual Limit.
🟩 Sub-Limit Cover	R33 000 per admission per insured, limited to R72 000 pfpa, including Robotic Surgeries. Subject to the Overall Annual Limit

Turnberry Synergy In-Hospital Dental Cover

🟥 Medical Expense Shortfall Cover	Increases medical aid by 500% 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 500% for basic dentistry for children under 12. Limited to R3,000 per family per year.
🟨 Co-payment Cover	Subject to the Overall Annual Limit.
🟩 Sub-limit and Co-payment Cover Dental Implants	Covers oral cancer and reconstructive maxillofacial surgery dental implants (diagnosed while on the policy). Limited to R24,000 per admission, R50,000 per family per year. Subject to the Overall Annual Limit.
🟦 Sub-limit Cover	Limited to R24,000 per admission and R50,000 per family per year 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 Synergy Out-of-Hospital Benefits

🟥 Co-payments for MRI, CT, and PET scans	Subject to the Overall Annual Limit.
🟧 Co-payments for scopes	Limited to R6,000 per event. Limited to 2 claims per insured yearly. Subject to the Overall Annual Limit.
🟨 Sub-limit cover for MRI, CT, and PET scans	R33 000 per event per insured. Limited to R72 000 per family per annum. Subject to the Overall Annual Limit
🟩 Casualty Benefits for Accidents	Limited to R12,000 per event per insured. Subject to the Overall Annual Limit.
🟦 Casualty Benefit for Illness	Limited to R4,000 per event. Limited to 2 claims per family yearly. Subject to the Overall Annual Limit. Treatment is limited to 6 pm – 6 am, Mondays–Fridays, Saturdays–Sundays, and Public Holidays

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

🅰️ MRI and CT Scan Cover	Covers MRI and CT scans without Medical Scheme cover. R5,500 per event and 1 claim per family per year.
🅱️ Trauma Care Cover	Covers trauma counseling with a registered healthcare provider after a member is diagnosed with a critical illness, is a victim of a violent crime, or loses an immediate family member. Limited to R3,000 per insured and R6,000 per family annually. Subject to the Overall Annual Limit

Turnberry Synergy Added Benefits

🟥 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 Synergy Policy premium for 12 months if the Contribution Payer dies or becomes permanently disabled in an accident.
🟨 Personal Accident Benefit	Limited to R13,500 per insured registered on the policy if there is accidental death or permanent total disability.
🟩 International Travel Cover	R5 million per insured, but a 48-hour travel notice is required.

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Turnberry Synergy Exclusions and Waiting Periods

Turnberry Synergy Exclusions

Turnberry Synergy 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.
✅ Fraudulent claim submissions.
✅ Treatment or conditions excluded or paid less by the Insured’s Medical Scheme.
✅ 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.

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

Turnberry Synergy 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 Synergy waiting periods will be provided by Turnberry.

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Turnberry Synergy vs Other Gap Cover Plans

🔎 Provider	🥇 Turnberry Synergy	🥈 Liberty Essential Gap Cover	🥉 Cura Administrators Gap Advanced
🟥 Years in Operation	22 years	66 years	26 years
🟧 Underwriters	Lombard Insurance Company	Guardrisk Life Limited (FSP 76)	GENRIC Insurance Company Limited
🟨 Market Share in South Africa	<5%	>25%	<5%
🟩 Gap Cover Waiting Period	3 – 12 months	12 months	3 – 12 months
🟦 Do Exclusions Apply	✅ Yes	✅ Yes	✅ Yes
🟪 Average Monthly Premium	R441	R397	R480
🟥 Oncology Benefit	None	None	✅ Yes
🟧 In-Hospital Benefit	✅ Yes	✅ Yes	✅ Yes
🟨 Out-of-Hospital Cover	✅ Yes	None	None
🟩 Maternity Benefit	None	None	None
🟦 Scopes and Scans	✅ Yes	✅ Yes	✅ Yes
🟪 Co-payment Cover	✅ Yes	None	None
🟥 Emergency Room	✅ Yes	✅ Yes	✅ Yes
🟧 Accidental Cover	✅ Yes	✅ Yes	None
🟨 Trauma Counseling	✅ Yes	✅ Yes	✅ Yes
🟩 Premium Waiver	✅ Yes	✅ Yes	✅ Yes
🟦 Non-DSP Co-Payment	✅ Yes	None	✅ Yes
🟪 Prostheses	None	None	✅ Yes
🟥 Travel Cover Extender	✅ Yes	None	✅ Yes
🟧 Accidental Death/ Permanent Disability	✅ Yes	✅ Yes	None

Our Verdict on Turnberry Synergy

Turnberry Synergy is an insurance plan that offers comprehensive cover for both in-hospital and out-of-hospital medical expenses.

Furthermore, it provides benefits such as increased medical aid rates, cover for scopes and scans, co-payment cover, emergency room visits, accidental cover, trauma counseling, premium waiver, and non-DSP co-payment.

However, there are limitations to consider including oncology benefits, maternity benefits, or prostheses.

Turnberry Synergy Frequently Asked Questions

What is the premium for Turnberry Synergy?

The average monthly premium for Turnberry Synergy is R414. However, premiums may vary based on age and family size.

Are there any waiting periods for Turnberry Synergy?

While the exact waiting periods may vary, there is typically a 3 to 12-month waiting period for gap cover under Turnberry Synergy.

Does Turnberry Synergy cover maternity expenses?

No, Turnberry Synergy does not provide cover for maternity benefits. However, it is important to consider this if you require maternity cover.

What is the overall annual limit with Turnberry Synergy?

The overall annual limit with Turnberry Synergy is R210,580.06 per insured per year, which applies to various benefits and services.

Does Turnberry Synergy include cover for accidental death or disability?

Yes, Turnberry Synergy provides cover for accidental death or permanent disability, offering financial protection in case of such unfortunate events.

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.