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Comprehensive, third party, fire and theft or third party only car insurance. Premium based on risk profile.
Medical gap cover helps pay hospital bills that aren't fully covered by your medical aid in South Africa. It's not a medical aid but rather insurance that covers you in the event that your medical aid doesn't cover all your costs.
Medical service providers, like doctors, can charge an average of 5 times (or 500%) the medical aid rate, leaving you to pay the difference out of pocket. They may also request certain procedures and scopes, such as an MRI and gastroscopy, which would require a co-payment.
With Old Mutual Gap Cover, it costs as little as R186.62 per family, per month for up to R150 000 cover per beneficiary, per year. If a family member over the age of 60 is included on the policy, the policy premium will be R242.11 per month.
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The total cover amount is R150 000 per beneficiary, per year. This annual limit includes in-hospital costs, as well as some out-of-hospital costs.
All in-hospital claims are deducted from the overall R150 000 annual limit.
All out-of-hospital claims are deducted from the overall R150 000 annual limit.
Want to know more about Gap Cover? Get answers to frequently asked questions such as:
Visit Frequently Asked Questions.
Gap Cover is not a medical scheme and the cover is not the same as that of a medical scheme. This policy is not a substitute for medical scheme membership. Premium is risk profile dependent based on customer’s age.
Old Mutual Gap Cover is a product underwritten by Old Mutual Insure Limited (Authorised Services Provider), and administered by Insuremed Administrators (Pty) Ltd.