5 Best Gap Cover Options for Under R2000 (🇿🇦 2025*)
The 5 Best Gap Cover Options for Under R2000 in South Africa revealed.
💙 We tested them side by side and verified their gap cover options.
💙 This is a complete guide to the best gap cover options under R2000 in South Africa.
👉 In this in-depth guide you’ll learn:
- ☑️ What is gap cover?
- ☑️ Why do you need gap cover?
- ☑️ Do you need gap cover if you already have medical aid?
- ☑️ Do you need gap cover when you have a hospital plan?
- ☑️ What benefits does gap cover have?
- ☑️ Is R2000 affordable for gap cover?
💙 So if you’re ready to go “all in” with the best gap cover under R2000 in South Africa, this guide is for you.
👉 Let’s dive right in…
Best Gap Cover Options for Under R2000 (2025)
| 🩺 Medical Aid | ✔️ Offers Gap Cover Options Under R2000? | ⚕️ Monthly Premium | 👉 Sign Up |
| 1. Sirago Gap Cover | ✅ Yes | From R289 upwards | 👉 Apply Now |
| 2. Zestlife Universal | ✅ Yes | From R253 upwards | 👉 Apply Now |
| 3. Liberty Health Gap Cover | ✅ Yes | From R253 upwards | 👉 Apply Now |
| 4. Discovery Gap Cover | ✅ Yes | From R157 upwards | 👉 Apply Now |
| 5. NetCarePlus | ✅ Yes | From R315 upwards | 👉 Apply Now |
5 Best Gap Cover Options for Under R2000 Summary
- Sirago Gap Cover – Overall, Best Gap Cover Options for Under R2000 in South Africa
- Zestlife Universal – Offers Coverage for Shortfalls in In-Hospital Medical Expenses
- Liberty Health Gap Cover – Includes Cover for Specialist, Accidental and Emergency Dental Care
- Discovery Gap Cover – Pays 250% of The Medical Scheme Rate
- NetCarePlus – Offers Cover for Admissions in a Day Clinic or Hospital
Introduction to Gap Cover
💙 Patients frequently incur considerable out-of-pocket costs as a result of the discrepancy between what medical aid insurance pay and the rates charged by private experts.
💙 By helping to pay these unforeseen expenditures, gap cover insurance lessens this financial stress and frees up patients to concentrate on their rehabilitation.
💙 Most South African medical aid plans, as well as other insurance companies, offer gap insurance to primary members and dependents; there are no age limitations for enrolment or expiration dates.
💙 What is more, the entire expense of medical treatment in South Africa might be unaffordable, even with medical aid coverage.
💙 As supplemental insurance policy, Gap Cover can help close the difference between what your medical aid will pay for and what you will have to pay out of pocket for medical bills. The term “bridge insurance” also applies to Gap Cover.
💙 Recommended PMBs, or minimal benefits, are the least expensive services that Medical Aid plans in South Africa are required by law to provide. However, it is possible that these PMBs will not cover all of the expenses associated with medical care, leaving members without sufficient coverage.
💙 Another important benefit of gap insurance in South Africa is that it can help pay for medical aid benefits and premiums in the event that the primary policyholder dies. This is especially important for homes when the primary policyholder is the only one paying for the family’s medical expenses.
💙If the primary policyholder passes away, it is possible that the medical aid premiums will no longer be covered. If this happens, the family’s remaining members would be left without access to health insurance. This might have a terrible impact on one’s financial status given the extremely high cost of medical care in South Africa.
💙 Additionally, some gap cover plans may offer supplemental benefits, such as a funeral benefit, to help with the cost of the policyholder’s funeral in the event of death. Families, many of which lack the financial resources needed to cover such expenses, might benefit greatly from this.
👉 Having Gap Cover has a number of benefits, including the following:
- ☑️ It can cover some of the upfront costs of medical care that medical assistance does not fully cover, such as deductibles, co-payments, and other expenses.
- ☑️ In the event of cancer treatments, unintentional death, or permanent disability, further benefits are available.
- ☑️ It covers some casualty expenses that are not typically covered by medical aid packages.
- ☑️ It gives comfort by covering any gaps in medical aid coverage and guarding against unforeseen medical bills
- ☑️Gap insurance be added to coverage so that it serves as a bridge in the event that a person downgrades their medical aid plan to one that is more reasonably priced.
- ☑️ Members are responsible for covering their own portion of some co-payments and deductibles because medical aid schemes may not always cover all treatments and procedures. This might lead to significant out-of-pocket expenses for the patient because of the difference between what the medical aid programme will pay for and what the healthcare provider charges for their services.
Comparison of the Gap Coverage Providers
💙 When looking for medical gap cover in South Africa, it is critical to compare gap cover providers. This will let you to confirm that you are getting the best coverage possible at a cost that fits within your spending limit.
👉 Here are some justifications for and methods for comparing gap insurance companies:
- ☑️ There are several different gap cover companies, and each one has a different set of benefits and coverage.
- ☑️ By looking around, you could find a provider that provides the benefits and coverage that suit your need.
- ☑️ Depending on the carrier you select and the type of coverage you get, the cost of gap insurance may vary greatly.
- ☑️ You should be able to find a plan that meets your needs at a price that is comfortable for your budget if you shop around.
- ☑️ Many gap cover policies impose waiting periods on their clients before they start to provide coverage.
- ☑️ By contrasting the various suppliers, you might pick one that has a shorter waiting period or provides immediate coverage.
- ☑️ Your ability to receive gap insurance might depend on the network of medical specialists that certain gap insurance companies partner with.
- ☑️ You should be able to choose a provider whose network includes your preferred healthcare providers by comparing a number of them.
- ☑️ Researching the different providers and the services they give is the first step in comparing gap insurance companies.
- ☑️ Look at their supplier network, costs, coverage, waiting times, and extras. It is a good idea to request quotes from each supplier after you have reduced the number on your list so that you can compare the costs they charge and the areas they serve.
- ☑️ By reading reviews that have been left by both current and former customers of the service provider, you can also find out about the interactions that other people have had with them.
- ☑️ It is crucial to compare the advantages provided by each plan because each medical aid gap cover plan will have a distinct set of benefits of its own. Look for insurance policies that cover co-payments, excess payments, and out-of-pocket expenses.
- ☑️ Additionally, some plans might also pay for services like counselling or emergency transportation to medical facilities.
- ☑️ The level of customer service offered by each supplier must be considered when comparing various options for medical aid gap protection. Look for businesses that have a strong reputation for offering exceptional customer service, having polite employees, and having quick response times.
- ☑️ Can you rely on your provider to respond to any queries you may have and to take care of any problems that may develop.
👉 READ more about the Best Gap Covers with immediate cover / no waiting period
💙 While you shop for the best Gap Cover plan for you, you should also be aware of the different types of Gap Coverage Plans.
💙 Among the most popular types of gap cover plans are those in the following categories:
- ☑️ You can purchase a plan called Basic Gap Cover that will pay for part of your in-hospital medical expenses if your medical aid plan does not cover all of them. Basic gap cover policies sometimes have cheaper premiums than more comprehensive ones, but they also provide less benefits.
- ☑️ A type of plan known as Comprehensive Gap Cover provides broader coverage for in-hospital medical expenses in addition to some outpatient costs and co-payments. Some outpatient costs may also be covered by this kind of plan. Although comprehensive gap cover policies frequently have higher premiums than basic plans, they also offer more comprehensive gap coverage.
- ☑️ Top-up Gap protection is a type of plan designed to supplement the coverage provided by your medical aid programme, especially for expensive procedures or treatments. People who already have a comprehensive medical aid plan but desire additional security against astronomical medical costs should consider top-up gap cover policies.
- ☑️ A form of plan known as a “disease-specific gap cover” provides coverage for certain medical conditions or procedures, such as cancer therapy or long-term medicine. Disease-specific gap cover plans may be advantageous for those who are more likely to contract specific illnesses or who need ongoing care for a specific condition. These programmes are meant to bridge the gaps in coverage created by health insurance plans.
👉 Learn more about Hospital Plans in SA
1. Sirago Gap Cover
Overview
Sirago is dedicated to providing unique Gap Cover products to the South African market. Sirago pursues market opportunities in unique niche products as an underwriting manager.
💙 Sirago’s product creation involves benefit determination based on medical scheme design, premium rating, policy language development, and distribution and marketing strategy.
GENRIC Insurance Company Limited, an authorised Financial Services Provider and registered Short-term Insurer, underwrites Sirago. Their core business is to provide crucial benefits to policyholders who are facing unexpected medical expense gaps that are not fully covered by their medical plans.
Sirago Gap-Plus Cover is a good gap cover for the younger generation since it is designed for young individuals and families. Medical aid shortfalls are covered at up to 250% of the scheme rate.
💙 Benefits include limited co-payment cover for hospital admissions, scans, surgical procedures and the use of non-designated service providers. There’s basic cover for the treatments of PMBs at non-DSPs and procedures conducted in day hospitals or doctors’ rooms.
💙 It includes a cancer-boost benefit, new-born baby benefit, and emergency room and preventative care cover.
💙 The current monthly premiums for Sirago Gap Only are R289 for individuals of 64 years of age and younger. The current monthly premiums for Sirago Gap-Lite are R369 for, and R419 for families if all are under 64.
Sirago Gap Cover Options
- ✅ The Sirago Plus Gap Cover was created for today’s busy households. To compensate for gaps in medical coverage, the scheme will pay up to R183,000 per year, or 250% of the scheme subscription.
- ✅ Hospital stays, imaging tests, surgical procedures, and visits to doctors who aren’t in your network may be eligible for financial assistance. Out-of-network PMB treatments, such as those received at day hospitals or doctors’ offices, are partially covered.
- ✅ Doctor visits and maternity care are among the benefits available to new parents and infants.
👉 Sirago Gap Cover has eight plans to choose from:
➡️ Sirago Exact Cover with Gap and Co-Pay
Sirago Gap Cover Contact Details:
✅ Telephone: 010 599 1163
✅ Fax: 086 555 2682
✅ Email Addresses:
- General inquiries: [email protected]
- Applications: [email protected]
- Policy changes: [email protected]
- Payments: [email protected]
- Claims: [email protected]
✅ Physical Address:
- Registered Office: Irene Link Precinct, 7 Impala Avenue, Centurion, 0157
- Current Operational Address: Floor 2, Fauchard Clinic & Centre, Corner Jan Smuts & Jan Hofmeyer Ave, Florida Park, Roodepoort, Johannesburg, 1709
- Operational Address from 1 September 2024: Building 3, 2nd Floor, Quadrum Office Park, Constantia Boulevard, Constantia Kloof, Johannesburg
2. Zestlife
Overview
💙 Zestlife is an authorised provider of financial services that concentrates on meeting your individual and family’s specific insurance needs. Death, disability, injury, or illness are all covered financially by Zestlife insurance.
💙 Recognizing that healthcare providers often charge more than the amounts covered by medical aids, Zestlife offers several gap cover options for different needs and budgets.
💙 These options mean that members are not left with substantial out-of-pocket expenses for in-hospital and specified out-of-hospital treatments. Zestlife Gap Cover is not a substitute for medical aid but complements it by covering the gaps, ensuring comprehensive coverage and financial peace of mind.
💙 Zestlife Gap Cover pays medical spending shortages that occur when medical aids do not pay doctor and specialist fees for in-hospital and some out-of-hospital procedures.
💙 The difference between what medical aids cover and what private practitioners charge regularly amounts to tens of thousands of Rand losses, for which the patient is held responsible.
💙 Hospital patients should focus on getting well rather than stressing about how to deal with unexpected medical costs that are not covered by medical aids. Zestlife Gap Cover pays for unforeseen medical expenditures, allowing patients to concentrate on getting back on their feet.
Zestlife Gap Cover Options
- ☑️ Zestlife Universal Gap Cover provides the most complete medical bill shortfall coverage, as well as significant financial protection against a variety of health risks. This option is available as single or family coverage.
- ☑️ Zestlife Essential Gap Cover provides low-cost coverage for the most common medical expense shortfalls, as well as supplementary financial protection for specific health risks. This option is available as single or family coverage.
- ☑️ Zestlife Optimal Gap Cover provides excellent levels of coverage at an affordable price to meet the demands of people under the age of 35.
Maternity Benefits Under Zestlife Gap Cover
☑️ Zestlife Gap Cover includes specific benefits that address the financial challenges associated with maternity-related medical expenses. Here are the key maternity benefits provided by Zestlife Gap Cover options:
Medical Expense Shortfall Cover
- ✔️ Universal Gap Cover: Zestlife’s Universal Gap Cover provides extensive financial protection by covering medical expense shortfalls up to 500% of the medical aid tariff. This benefit covers in-hospital shortfalls on doctors and specialist charges for a wide range of procedures, including childbirth.
☑️ It ensures that the costs associated with obstetricians, gynaecologists, and anaesthetists are adequately covered, significantly reducing out-of-pocket expenses for maternity-related hospital stays.
- ✔️ Essential Gap Cover: The Essential Gap Cover option covers shortfalls up to 300% of the medical aid tariff. This option offers substantial coverage for maternity-related procedures, ensuring that expectant mothers are not burdened with significant medical expenses due to the gaps between what their medical aid covers and the actual costs charged by healthcare providers.
- ✔️ Optimal Gap Cover: Optimal Gap Cover, designed for single individuals under 35, covers shortfalls up to 400% of the medical aid tariff. This option provides reliable coverage for maternity-related medical expense shortfalls, making it an excellent choice for young, expecting mothers who may face substantial healthcare costs.
Co-Payment Benefit
☑️ All Zestlife Gap Cover options include a co-payment benefit, which covers the co-payments imposed by medical aids for hospital admissions and specified medical procedures. This benefit ensures that any upfront payments required by medical aids for maternity-related procedures are covered, alleviating the financial strain on expectant parents.
Casualty Facility Treatment for Injury in an Accident
💙 While primarily focused on accidental injuries, this benefit covers treatment in a hospital casualty facility within 48 hours following an injury. This can be particularly useful for emergency situations that may arise during pregnancy, ensuring that mothers-to-be receive immediate care without worrying about the associated costs.
What is the monthly premium for the Zestlife gap cover plans?
💰 Zestlife’s gap cover plans start at R253 per month and can go up to R838 per month, depending on the plan you choose.
What Is the Waiting Period for the Zestlife Gap Cover Benefits?
👉 When signing up for Zestlife Gap Cover, the following waiting periods apply:
- ☑️ General Waiting Period: No general waiting periods apply after the commencement date of the policy.
- ☑️ Pre-existing Condition Waiting Period: A 12-month waiting period applies for conditions where medical advice, diagnosis, care, or treatment was received in the 12 months before the start date of the cover.
- ☑️ Pregnancy Waiting Period: Pregnancy and birth-related claims are excluded for 12 months if the pregnancy started before the cover commencement date.
- ☑️ Extended Cancer Cover Waiting Period: A 6-month upfront waiting period from the date of commencement of cover for the optional Extended Cancer Cover.
How to Claim for Zestlife Gap Cover Benefits
- ✅ Download the claim form from www.zestlife.co.za or contact Zestlife to obtain a copy.
- ✅ Collect all related documents, including medical bills, statements, and any other necessary paperwork.
- ✅ Submit Online: Visit www.zestlife.co.za to submit your completed claim form and related documents online.
- ✅ Email Submission: Alternatively, scan and email the completed claim form and documents to [email protected].
- ✅ Postal Submission: Mail the completed claim form and related documents to the specified address provided by Zestlife.
- ✅ Ensure all documents are submitted within 180 days of the medical treatment giving rise to the claim.
- ✅ For expert advice or assistance, contact Zestlife on (021) 180 4220 / 0860 009 378 or email [email protected].
Zestlife Contact Details
Sunclare Building
21 Dreyer St
Claremont
Cape Town
7708
3. Liberty Gap Cover
Overview
💙 Liberty Health was founded in 2008 and is a leading provider of health insurance to over 400 000 people in 27 African countries.
💙 Liberty Health’s breadth of knowledge and expertise stems from their experience offering comprehensive, flexible health care solutions to multinational corporations, corporations, SMEs, and individuals in South Africa and throughout Africa.
💙 The interests of the corporation include health insurance products as well as health administration technology systems and services.
💙 Liberty provides a complete suite of long-term insurance products and services to address the evolving financial, investment, and lifestyle risk requirements of both the retail and corporate markets. Liberty Health Gap Cover is one of those products.
💙 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 Up to 300%, (3 times) of the medical aid tariff 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 Essential Gap cover plan costs R397 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.
Liberty Health Gap Cover Options
💙 Liberty Essential Gap Cover provides dependable medical scheme top-up coverage for the most common treatment cost deficits at a competitive price.
💙 Coverage includes a low-cost Medical Expense Shortfall. In a calendar year, the policy provides coverage of up to R230 000 per person insured, as well as several health insurance benefits. The benefits of this gap cover include:
- ✅ In-hospital cover for doctor and specialist charges up to 3 times the medical scheme tariff
- ✅ Out-of-hospital cover for doctor and specialist charges up to 3 times the medical scheme tariff for approximately 50 out-of-hospital treatments.
- ✅ Medical scheme co-payment cover for hospital admissions, scans and certain surgical procedures, and
- ✅ Emergency Room Cover for accidental injury.
👉 Key Benefits of Essential Gap Cover:
1.✅ 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.
2.✅Out-of-Hospital Procedures:
Covers around 50 defined out-of-hospital procedures to help you be more covered than mere hospital admissions.
3. ✅ 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.
Liberty contact Details
✅ Phone: +27 11 558 4871
✅ Email: [email protected]
✅Physical Address:
- Liberty Centre, 1 Ameshoff Street, Braamfontein, Johannesburg, South Africa
✅ 24-Hour International Medical Emergency Evacuation:
✅Phone: +27 21 657 7740
👉 READ more about Medical Insurance
4. Discovery Gap Cover
💙 Discovery Health offers comprehensive gap cover products designed to provide financial protection against medical expense shortfalls. These gap cover products are particularly beneficial for individuals who have medical aid plans but face additional costs not fully covered by their schemes.
👉Discovery Health’s gap cover aims to ensure that members are not burdened by unexpected out-of-pocket payments for in-hospital and selected out-of-hospital treatments, making healthcare more accessible and affordable.
Maternity Benefits Under Discovery Health Gap Cover
💙 Discovery Health gap cover products offer specific maternity-related benefits to provide comprehensive support during pregnancy and childbirth. Here are the key maternity benefits:
Coverage for Hospital and Specialist Fees
💙 Discovery Health gap cover products ensure that the shortfall between what the medical aid covers and the actual costs charged by obstetricians, gynaecologists, and anaesthetists for maternity-related hospital admissions is taken care of. This includes both natural and caesarean deliveries, ensuring that mothers-to-be do not face unexpected expenses.
Pregnancy-Related In-Hospital Benefits
💙 In the event of complications that require in-hospital treatment, Discovery Health gap cover products provide additional financial protection. This means that both mother and baby receive the necessary medical care without incurring significant out-of-pocket expenses.
Co-Payments and Deductibles
💙 Discovery Health gap cover also helps with co-payments and deductibles that are often required by medical aids for maternity-related procedures. This includes coverage for specific pregnancy and childbirth procedures that might otherwise result in substantial out-of-pocket payments.
What is the monthly premium for the Discovery Health gap cover plans?
💙 The price for the gap cover plans from Discovery Health start from R157 per month depending on the plan you choose and the variables of your coverage.
What Is the Waiting Period for the Discovery Health Gap Cover Benefits?
💙 When signing up for Discovery Health Gap Cover, the following waiting periods apply:
- ✅ General Waiting Period: A three-month waiting period during which no claims can be made, except for those related to accidents.
- ✅ Condition-Specific Waiting Period: A 12-month waiting period for claims related to pre-existing conditions. This includes any medical conditions for which advice, diagnosis, care, or treatment was received in the 12 months prior to the start date of the cover.
- ✅ Pregnancy Waiting Period: Pregnancy-related claims are subject to the same 12-month pre-existing condition waiting period if the pregnancy started before the cover began.
How to Claim for Discovery Health Gap Cover Benefits
👉 To submit a claim for Discovery Health Gap Cover benefits, follow these steps:
- ✅ Use the Discovery Health app or website to scan and upload your claim documents.
- ✅ Download the Discovery Health app from the App Store or Google Play, log in, select “My cover,” then “Claims,” and use the “Scan claim documents” option.
- ✅ Log in to the Discovery Health website, navigate to the claims section, and upload your scanned documents.
- ✅ Scan your claim documents and email them to [email protected]. For claims with updated or additional information, send them to [email protected].
- ✅ Alternatively, you can mail your claim documents to PO Box 784262, Sandton, 2146.
- ✅ Track the progress of your claims, use the Claims Search tool on the Discovery Health website, call 0860 99 88 77, or SMS ‘Claim’ to 31347.
Discovery Health Contact Details
1 Discovery Place
Sandton
2196
5. NetCarePlus
💙 Medical aid coverage needs to be essential in present times but most typical medical aid plans fail to address complete hospitalization and procedure expenses.
💙 The coverage provided by Netcare Plus Gap Cover makes sure medical patients avoid costly unexpected expenses during emergencies.
💙 With NetCare Plus gap cover you can get up to 500% more cover for specialists, both in and out of 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.
Why Netcare Plus Gap Cover?
💙 Network Plus Gap Cover is built as a protection system which bridges the monetary gaps between your medical insurance coverage rates and provider medical and hospital fee rates.
💙 The increased healthcare expenses make Netcare Plus Gap Cover essential for the year 2025.
👉 The following attributes make Netcare Plus Gap Cover an excellent healthcare investment:
☑️ Comprehensive Coverage – Covers the gap between what medical specialists charge and what your medical aid pays, ensuring that you don’t face financial burdens.
☑️ Peace of Mind – Allows you to focus on recovery rather than financial stress.
☑️ Affordability – Cost-effective plans tailored to suit different budgets.
☑️ Enhanced Benefits – Additional cover for co-payments, sub-limits, and non-designated service providers, ensuring you get the best medical treatment without compromise.
☑️ Family Protection – Options available to cover your entire family, ensuring no one is left vulnerable.
👉 You might also like the 5 Best Medical Aids under R500 in South Africa
👉 For any queries, you can reach Netcare Plus Solutions (Pty) Ltd at:
- ☑️ Phone: 0860 101 151
- ☑️ Email: [email protected]
- ☑️ Physical address: 76 Maude Street, Corner West Street, Sandton, South Africa
FAQs
For how long can I keep my Gap Cover Policy?
You can keep your gap cover policy as long as you pay your premiums. Some gap cover providers may have age restrictions or limitations on how long you can be covered.
What Does medical gap cover do in South Africa?
Gap Cover gives you cover of up to 500% of the medical scheme rate when your approved in-hospital specialist claim is higher than what your medical scheme pays your specialist.
What does gap cover cost in South Africa?
Gap cover can cost anything from about R157 and upwards per month.
Is it worth the money to have Gap Cover?
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 is important when I search for gap cover?
It is important to look for plans that provide additional benefits, such as cover for co-payments, excess payments, and out-of-hospital expenses.
Does gap cover benefits include doctors’ visits?
Yes, Gap Cover benefits cover shortfalls where doctors charge above medical aid rate. Gap cover does not provide cover where medical aid does not pay towards a procedure.
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