What is gap cover
Gap cover is a form of short-term insurance that covers potential shortfalls between the cost of medical procedures in hospital and the percentage that your medical aid pays towards these costs. For example, some medical practitioners charge up to 400% of medical aid rates. If your medical aid only covers 100% of medical aid rates, then a shortfall of 300% will be payable by you. Gap cover will cover this outstanding amount.
Over the years gap cover products have been enhanced to include many excellent benefits, such as co-pay cover, cancer benefit, emergency room cover, to name a few. It has become an indispensable tool to supplement where your medical has fallen short.
For a small monthly premium, you can enjoy benefits with an annual benefit to R185,000 (Discovery Gap) or R191,000 (Sirago Gap) per beneficiary for your family.
What do we do?
Gap cover for individuals, companies, young couples, elderly people and family.
Our product providers
Our preferred provider
We select Sirago as our preferred provider for the following reasons:
1. Reputable gap cover product provider;
2. Underwritten by Genric Insurance Company;
3. A comprehensive range of gap cover products to meet client needs;
4. Rich benefits per Rand premium;
5. Customer centric;
6. Readily work with brokers to resolve client queries;
7. Efficient administration and claim payment;
8. Clear policy wording;
9. Value-added benefits such as premium waiver;
10. Continuous product enhancements.
More on Sirago Gap Cover
How to claim
To claim from gap cover, you’ll need the hospital bill, claim form (Sirago) plus your medical aid’s statement of the shortfall with explanatory codes. If your medical aid is with Discovery, and gap is also with the same company then the claim process will be automatic and seamless. The gap cover payout will be paid to you, and you will need to make payment to the hospital or medical practitioner.