5 Best Gap Cover Options for Under R1000 ( 🇿🇦 2025*)
The 5 Best Gap Cover Options for Under R1000 in South Africa revealed.
💙 We tested them side by side and verified their gap cover options.
💙 This guide is the best gap cover option under R1000 in South Africa.
👉 In this in-depth guide you’ll learn:
- ✅ What is a Gap Cover?
- ✅ Should you have a gap cover if you already have medical aid?
- ✅ Is gap cover affordable in South Africa?
- ✅ What exactly does gap cover protection cover?
- ✅ Should you have a gap cover when you have a hospital plan?
- ✅ What benefits do you get from having a gap cover?
💙 So if you’re ready to go “all in” with the best gap cover options for under R1000 in South Africa, this guide is for you.
👉 Let’s dive right in…
Best Gap Cover Options for Under R1000 (2025)
| 🩺 Medical Aid | ✔️ Offers Gap Cover Options? | ⚕️ Premiums Per Month | 👉 Sign Up |
| 1. Elixi Single Gap Cover | ✅ Yes | From R282 | 👉 Apply Now |
| 2. Old Mutual Gap Cover | ✅ Yes | From R270 | 👉 Apply Now |
| 3. Liberty Essential Gap Cover | ✅ Yes | From R253 | 👉 Apply Now |
| 4. NetCarePlus Gap Cover | No, just over R300 | From R315 | 👉 Apply Now |
| 5. Turnberry Gap Cover | ✅ Yes | From R169 | 👉 Apply Now |
5 Best Gap Cover Options for Under R1000 Summary
- Sanlam Comprehensive Gap Cover – Overall, Best Gap Cover Options for Under R300 in South Africa
- Old Mutual Gap Cover – No Medical Tests When Signing Up for The Cover
- Liberty Essential Gap Cover – Essential Accidental Fees Are Fully Covered
- NetCarePlus Gap Cover – 500% More Cover For Specialist
- Turnberry Gap Cover – Affordable Options for Under 65 Year Olds
Introduction to Gap Cover Options for Under R1000
💙 Even with some prescribed minimum benefits (PMBs) medical aid plans in South Africa are required to cover by law, it is likely that these PMBs will not pay for the total cost of medical treatment you may need, so members are often left without sufficient coverage.
💙 Even with the coverage provided by medical aid, the entire cost of medical treatment in South Africa becomes unaffordable. Gap Cover is a supplemental insurance policy that can help bridge the gap between what medical aid covers and what you really spend out of money for medical costs.
💙 Gap Cover may help bridge the gap between what medical aid covers and what you actually spend out of pocket for medical expenditures.
What is gap cover?
💙 Gap Cover is sometimes referred to as bridge insurance in some circles.
💙 Gap cover insurance is designed to compensate policyholders for the financial shortfall that results when one considers the amount of money that is covered by a medical aid plan and the amount of money that is charged by healthcare providers.
💙 A breakdown of how the gap cover system works shows that the Gap Cover Insurance is intended to fill this coverage gap by providing essential additional financial protection against medical costs that are not covered by the Medical Aid plan.
💙 Private insurance companies are the most prevalent suppliers of gap cover insurance.
The Advantages of Having Gap Coverage
💙 Some of the advantages that come along with having Gap Cover are as follows:
- ✅ Can pay for deductibles, co-payments, and other up-front costs for some medical treatments that medical assistance do not cover completely.
- ✅ Additional payments are provided in the event of cancer treatments, accidental death, or permanent incapacity.
- ✅ Provides coverage for certain casualty costs that are not normally included in medical aid packages.
- ✅ Provides peace of mind by protecting against unanticipated medical costs and paying for any gaps in medical aid coverage
- ✅ Coverage can be topped up with gap cover in such a way that it acts as a bridge in the event that an individual downgrades their medical aid choice to a plan that is more affordably priced.
- ✅ Some treatments and procedures are not covered by medical aid programmes, and members are responsible for paying their own share of certain co-payments and deductibles. Between what is covered by the medical aid programme and what the healthcare practitioner bills for their services, this might result in large out-of-pocket payments for the patient.
- ✅ Void protection kicks in at this point in the process. Gap protection is insurance that pays the difference between what medical aid systems cover and what healthcare providers charge for in-hospital treatments and procedures.
- ✅In addition, gap cover may be used to pay for co-payments, deductibles, and other out-of-pocket expenses that are not covered by the medical aid programme.
5 Best Gap Cover Options for Under R1000 Summary
- Sanlam Comprehensive Gap Cover – Overall, Best Gap Cover Options for Under R300 in South Africa
- Old Mutual Gap Cover – No Medical Tests When Signing Up for The Cover
- Liberty Essential Gap Cover – Essential Accidental Fees Are Fully Covered
- NetCarePlus Gap Cover – 500% More Cover For Specialist
- Turnberry Gap Cover – Affordable Options for Under 65 Year Olds
Comparing Different Gap Coverage Plans
✔️ It is crucial to compare gap cover providers in South Africa when looking for medical gap cover. This will allow you to verify that you are receiving the greatest coverage available at a price that is within your budget.
✔️ Here are some reasons why you should compare gap cover providers, as well as several ways to do so:
- ✅ There is a wide variety of gap cover providers, each of which offers its own unique set of advantages and coverage.
- ✅ By shopping around, you might choose a carrier that offers the coverage and benefits that are appropriate for your needs.
- ✅The prices for gap insurance might vary substantially depending on the provider you choose and the level of coverage that you purchase.
- ✅ If you look about, you should be able to discover a plan that satisfies your requirements at a cost that is within your budgetary comfort zone.
- ✅ Many gap cover policies require their customers to wait for a certain amount of time before they begin providing coverage.
- ✅ You might choose a company that has a shorter waiting period or offers instant coverage by comparing the various suppliers.
- ✅ There is a possibility that the gap cover you obtain will be contingent on the network of healthcare professionals with which some gap cover providers collaborate.
- ✅ By evaluating several providers, you should be able to select one that has a network that include your chosen healthcare providers.
✔️ When comparing gap insurance providers, the first step is to conduct research on the various providers and the services that they offer.
👉 Discover the best Gap covers for pregnant women
✔️ Check out their waiting times, prices, and coverage and perks, as well as their provider network. When you have narrowed down your list of possible providers, it is a good idea to acquire quotations from each one so that you can compare the prices they charge and the locations that they service.
✔️ You may also learn about the experiences that other people have had with the service provider by reading reviews that have been posted by current clients as well as clients who have used the provider in the past.
✔️ When evaluating different alternatives for medical aid gap cover, it is essential to take into account the quality of customer care provided by each supplier. Look for organisations who have a solid reputation for providing excellent customer service, have personnel that is courteous, and have rapid response times
Which Gap Cover Plan Is Best for You
💙 It might be challenging to select the appropriate gap cover plan because there are many different kinds of plans available on the market, each with its own set of characteristics and advantages. In order to make a choice that is based on accurate information, it is vital to first have an understanding of the different gap cover plan possibilities.
💙 Your medical aid plan may not cover all of your in-hospital medical charges, but you can purchase a plan called Basic Gap Cover that will cover some of those costs. The premiums for basic gap cover policies are often lower than those for more comprehensive plans, but these plans offer a smaller number of benefits.
💙 Comprehensive Gap Cover is a form of plan that offers more broad coverage for in-hospital medical bills, in addition to some outpatient charges and co-payments. This type of plan may also cover certain outpatient expenses. The premiums for comprehensive gap cover policies are often more than those for basic plans; however, comprehensive gap cover plans also provide more complete gap coverage.
💙 Top-up Gap protection is a sort of plan that is meant to augment the protection that is given by your medical aid programme, particularly for operations or treatments that are costly. Top-up gap cover policies are beneficial for people who already have a comprehensive medical aid plan but want additional protection against excessive medical bills.
💙 A disease-specific gap cover is a type of plan that offers coverage for certain medical illnesses or treatments, such as therapy for cancer or long-term medication. People who have a greater chance of acquiring certain medical diseases or who require continuing treatment for a particular ailment may benefit from disease-specific gap cover plans.
1. Sanlam Comprehensive Gap Cover
💙 For a low monthly premium of R262 for individuals and R459 for families, the Sanlam gap cover ensures that its members are not left with large excess amounts to settle.
💙 Some of its benefits include receiving cash for every day spent in the hospital due to an accident or premature birth.
💙 Sanlam Comprehensive Gap Cover provides you with protection against unforeseen medical expense shortfalls when your medical aid does not cover the entire cost of the treatment.
💙 As healthcare costs surge, medical aid schemes don‘t always pay the full cost of treatments by specialists, thus leaving you to pay for the difference out of pocket.
👉 Key Benefits:
💙 Pays for the shortfall in what your medical aid pays relative to the amount charged by a healthcare professional.
💙 This applies to treatments where this gap could reach as high as 600 percent of your scheme rate.
✅ Co-Payment & Sub-Limits Cover: Co-payments are paid in terms of specified procedures, internal prosthesis, and hospital-related admissions.
✅Oncology Benefit: A further cover for any treatment shortfall arising on cancer treatment and includes specialized biological drugs.
✅Emergency & Trauma Benefits: Provides additional assistance in life-threatening medical emergencies and accidents.
✅ Family Protection: Covers the policyholder, spouse, and dependents under one medical aid plan.
✅ Lump Sum Benefits: Payout for specific critical illnesses, accidental disability, or death.
Why Choose Sanlam?
💙 Trusted brand with a strong reputation in financial and healthcare solutions.
💙 Affordable premiums with extensive cover options.
Fast and hassle-free claim process.
Who Needs Gap Cover?
💙 If you have a medical aid plan but wish to avoid unexpected shortfalls on specialist fees, hospital procedures, and treatments, gap cover is for you. It’s that financial peace of mind, allowing you to focus on recovery and not medical bills.
2. Old Mutual Gap Cover
💙 R270 per month gets you the Old Mutual Gap Cover even if you and your spouse are on different medical aid schemes. Medical tests for this cover are not compulsory and its benefits package includes shortfall payments of up to 100% on maxillofacial or spinal surgery.
💙 As of 1 January 2025, Old Mutual’s Gap Cover is underwritten by GENRIC Insurance Company Limited, a member of the Old Mutual Group.
💙 This will ensure that all policyholders are guaranteed to continue enjoying comprehensive cover for medical expense shortfalls not fully covered by their medical aid schemes.
👉Key Benefits:
✅ Better Cover: Medical aid rate shortfall of up to 500% in-hospital treatment, meaning there is cover for significant shortfalls.
✅ Cover Your Whole Family: One policy provides cover for yourself, your spouse or life partner, and your children up to the age of 26 years who are registered as dependants on your medical aid, to ensure your whole family is covered against unexpected medical expenses.
✅Gap Cover for Most Medical Procedures: It covers gaps in hospitalizations resulting from accidents and illnesses, to other medical procedures like chemotherapy, radiotherapy, oncology treatment, and joint replacements.
Why Choose Old Mutual Gap Cover?
💙 With a long-standing history in the financial services industry, Old Mutual offers solid and dependable gap cover options to fit your every health need.
💙 The partnership with GENRIC ensures that current policyholders will find very little, if any changes, similar benefits and no new waiting periods.
Who Should Consider Gap Cover?
💙 Gap cover is necessary for any member subscribed to a registered South African medical aid scheme for protection against unforeseen medical expense shortfalls.
💙 Most healthcare providers charge more than the rate covered by medical aids for their services, which means that you may still have to pay out-of-pocket expenses.
💙 Old Mutual Gap Cover fills in the difference, giving you financial peace of mind during medical treatments.
💙 Protect your health and financial well-being with Old Mutual Gap Cover so that unexpected medical expenses do not derail your financial stability.
3. Liberty Essential Gap Cover
💙 Liberty remains a trusted brand among South Africans, which provides various health and financial products in South Africa at affordable rates. The Liberty essential gap cover provides R230,000 in shortfall expenses for covered members and an addition of accidental injury fees and out-of-hospital fees for specialists and doctors. The Optimal plan costs R253 per month per individual.
💙 The Liberty Essential Gap Cover is an affordable protection against the common medical expenses that fall in short when your medical aid doesn’t cover the treatments or procedures in full.
💙 This plan provides cover for the shortfall for when going to the hospital, selected procedures outside the hospital, and specified co-payments, making sure that one isn’t burdened with any unforeseen medical accounts.
👉 Key Benefits of Essential Gap Cover:
✅ In-Hospital Cover: Covers the shortfall in doctors and specialists charges over and above medical aid tariff, which is included in the specific medical tariff, or contribution thereto, whichever is the greatest of these two amounts. The shortfall will be the difference between doctors and specialists charges less medical tariff or your contribution to the charges.
✅ Out-of-Hospital Procedures: Covers around 50 defined out-of-hospital procedures to help you be more covered than mere hospital admissions.
✅ Co-Payment Cover: Covers the co-payment costs for hospital admissions and scans, which will reduce your out-of-pocket expenses.
💙 For further details about, or to apply for Essential Gap Cover, visit Liberty’s Gap Cover page or contact the policy administrator, Zestlife, on 021 180 4220 or [email protected].
💙 Invest in Liberty’s Essential Gap Cover to protect you and your loved ones from unexpected medical expenses with peace of mind when you need it most.
4. NetCarePlus Gap Cover
💙 The NetCarePlus gap cover gives 500% more cover for specialists, both in and out of the hospital, you’ll be covered for any approved admissions in a day clinic or hospital, plus against shortfalls for specialist consultations, treatment and procedures when you’re not admitted to hospital.
💙 The premiums start from R315 per month per individual.
💙 The reason NetcarePlus GapCare was designed is to bridge the financial gaps that mostly occur between what your medical aid covers and what the actual cost of the treatments is. Knowing that medical aid alone may at times not be enough for quality care or even those unforeseen expenses, GapCare will always have you covered in such shortfalls.
👉 Key Benefits of NetcarePlus GapCare:
💙 Specialist Coverage: Covers up to 500% more for in-hospital and out-of-hospital specialist consultations, treatments, and procedures to protect you from large shortfalls.
💙 Hospital Access: Enjoy unlimited admissions to any Netcare facility for access to world-class treatment, hassle-free, with no medical aid network limitations.
💙 Emergency Treatment: Covers shortfalls for injuries and illnesses treated in an emergency department, 24/7, to protect you in the case of an unforeseen emergency.
💙 Maternity Benefit: Covers deficits in pregnancy, childbirth, and postnatal cares, covering consultation, fees of a private ward, and the visits of pediatricians, amongst others.
5. Turnberry Gap Cover
💙 Turnberry offers various Gap Cover products from R169 per month that would safeguard you against unforeseen medical expenses shortfalls not fully covered by your medical aid. Their plans are compatible with all registered open medical schemes and most closed schemes in South Africa, ensuring broad accessibility.
👉 Key Benefits Across Turnberry’s Gap Cover Plans:
💙 Medical Expense Shortfall Cover: Enhances your medical aid rate up to 600% for the cost of specialists, GPs, anesthetists, radiology, pathology, and other in-hospital services.
💙 Co-Payment Cover: Assists with the co-payments that your medical aid may request for specific treatments and procedures, therefore reducing out-of-pocket expenses.
💙Sub-Limit Cover: Extra cover when your medical aid has sub-limits for certain procedures or treatments, for comprehensive protection.
💙 Non-DSP Hospital Penalty Cover: Covers the penalties when treatment is sought in non-designated service provider hospitals, thus affording flexibility on choice of facilities.
💙The Turnberry gap cover protects clients and their families from bearing hefty medical expenses uncovered by their medical aid.
👉 Turnberry gap cover has the folloing plans to choose from:
FAQs
Is Gap Cover worth the money you pay for it?
Yes, it is worth the money. If you have to have an expensive medical procedure or illness that isn’t covered in full by your medical aid, gap cover can make up the shortfall.
What should I look for when searching for gap cover?
Look for plans that provide the best benefits, such as cover for co-payments, excess payments, and out-of-hospital expenses.
Does gap cover only provide coverage for doctors’ visits?
No, Gap cover covers shortfalls where doctors charge above medical aid rate, as well as hospital benefits.
Who offers the best gap cover in South Africa?
The best gap cover will depend on what your needs are and what you can afford.
Is shortfall insurance and gap cover the same thing?
Yes, shortfall insurance and gap cover is the same, and covers additional medical costs, or the difference between the fees charged by specialists and the funds provided by the medical aid.
