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Overall, Turnberry Synergy Gap Cover is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Turnberry Synergy Gap Cover Plans start from R380 ZAR. Turnberry has a trust score of 4.3.
π Provider | π₯ Turnberry Synergy |
π₯ Years in Operation | 22 years |
π§ Underwriters | Lombard Insurance Company |
π¨ Market Share in South Africa | <5% |
π© Gap Cover Waiting Period | 3 β 12 months |
π¦ Do Exclusions Apply | β Yes |
πͺ Average Monthly Premium | R380 |
π₯ Oncology Benefit | None |
π§ In-Hospital Benefit | β Yes |
π¨ Out-of-Hospital Cover | β Yes |
The Turnberry Synergy is one of five plans that starts from R380 per month. The Turnberry Synergy 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
π °οΈ Families under 65 years | π ±οΈ Families that have members 65 years> |
R380 | R532 |
π₯ 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. |
π§ Co-payment cover | Subject to the Overall Annual Limit. |
π¨ Non-DSP Hospital Penalty Cover | Limited to R9,000 per admission. Limited to 1 family claim per year. Subject to the Overall Annual Limit. |
π© Sub-Limit Cover | Limited to R28,000 per admission per insured. Limited to R70,000 per family per year. Subject to the Overall Annual Limit. |
π₯ 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. |
π§ Basic Dental Medical Expense Shortfall Cover for Children | Increases Medical Aid by 500% for basic dentistry for children under 12. Limited to R2,000 per family per year. |
π¨ Co-payment Cover | Subject to the Overall Annual Limit. |
π© Sub-limit and Co-payment Cover Dental Implants | Covers oral cancer and reconstructive maxillofacial surgery dental implants (diagnosed while on the policy). Limited to R20,000 per admission, R50,000 per family per year. Subject to the Overall Annual Limit. |
π¦ Sub-limit Cover | Limited to R20,000 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. |
π₯ Co-payments for MRI, CT, and PET scans | Subject to the Overall Annual Limit. |
π§ Co-payments for scopes | Limited to R4,000 per event. Limited to 2 claims per insured yearly. Subject to the Overall Annual Limit. |
π¨ Sub-limit cover for MRI, CT, and PET scans | Limited to R28,000 per event per insured. Limited to R70,000 per family per year. Subject to the Overall Annual Limit. |
π© Casualty Benefits for Accidents | Limited to R9,500 per event per insured. Subject to the Overall Annual Limit. |
π¦ Casualty Benefit for Illness | Limited to R3,000 per event. Limited to 2 claims per family yearly. Subject to the Overall Annual Limit. Treatment is limited to 6 pm β 6 am, MondaysβFridays, SaturdaysβSundays, and Public Holidays |
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π °οΈ MRI and CT Scan Cover | Covers MRI and CT scans without Medical Scheme cover. R4,500 per event and 1 claim per family per year. |
π ±οΈ 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 R2,000 per insured and R6,000 per family annually. Subject to the Overall Annual Limit |
π₯ Medical Scheme Contribution Waiver | Limited to R6,000 per month for six months if the Medical Scheme Contribution Payer dies or becomes permanently disabled in an accident. |
π§ Gap Premium Waiver | Pays your Synergy Policy premium for 12 months if the Contribution Payer dies or becomes permanently disabled in an accident. |
π¨ Personal Accident Benefit | Limited to R10,000 per insured registered on the policy if there is accidental death or permanent total disability. |
π© International Travel Cover | R5 million per insured, but a 48-hour travel notice is required. |
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Turnberry Synergy excludes Hospitalization, bodily injury, sickness, or disease caused by:
and more. A full list of Exclusions will be provided by Turnberry.
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.Β Furthermore, there is a waiting period of 12 months for the following treatments:
and more. A full overview of Synergy waiting periods will be provided by Turnberry.
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π Provider | π₯ Turnberry Synergy | π₯ Liberty Essential Gap Cover | π₯ Cura Administrators Gap Advanced |
π₯ Years in Operation | 22 years | 66 years | 26 years |
π§ Underwriters | Lombard Insurance Company | Guardrisk Life Limited (FSP 76) | GENRIC Insurance Company Limited |
π¨ Market Share in South Africa | <5% | >25% | <5% |
π© Gap Cover Waiting Period | 3 β 12 months | 12 months | 3 β 12 months |
π¦ Do Exclusions Apply | β Yes | β Yes | β Yes |
πͺ Average Monthly Premium | R380 | R372 | R397 |
π₯ Oncology Benefit | None | None | β Yes |
π§ In-Hospital Benefit | β Yes | β Yes | β Yes |
π¨ Out-of-Hospital Cover | β Yes | None | None |
π© Maternity Benefit | None | None | None |
π¦ Scopes and Scans | β Yes | β Yes | β Yes |
πͺ Co-payment Cover | β Yes | None | None |
π₯ Emergency Room | β Yes | β Yes | β Yes |
π§ Accidental Cover | β Yes | β Yes | None |
π¨ Trauma Counseling | β Yes | β Yes | β Yes |
π© Premium Waiver | β Yes | β Yes | β Yes |
π¦ Non-DSP Co-Payment | β Yes | None | β Yes |
πͺ Prostheses | None | None | β Yes |
π₯ Travel Cover Extender | β Yes | None | β Yes |
π§ Accidental Death/ Permanent Disability | β Yes | β Yes | None |
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.
The average monthly premium for Turnberry Synergy is R380. However, it is important to note that premiums may vary based on age and family size.
While the exact waiting periods may vary, there is typically a 3 to 12-month waiting period for gap cover under Turnberry Synergy.
No, Turnberry Synergy does not provide cover for maternity benefits. However, it is important to consider this if you require maternity cover.
The overall annual limit with Turnberry Synergy is R185,837.63 per insured per year, which applies to various benefits and services.
Yes, Turnberry Synergy provides cover for accidental death or permanent disability, offering financial protection in case of such unfortunate events.
We work with leading medical aid companies in South Africa.
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