Over the years Sirago has enhanced to include many excellent benefits, 2023 is not going to be any different! Sirago  announced the 2023 average price increase of 6.2% will be effective 01 January 2023.

A general underwriting concession has been granted to Daberistic, 3 months general waiting periods on all new policies will be waived.
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Below is a table highlighting all the updates across all options:​

Benefit	Ultimate	Plus	Assist	Lite	Gap Only
BMI	No Limit to number of claims	No Benefit	No Benefit	​No Benefit	​No Benefit
Robotic Surgery	R35 000 Sub-limit R19 000 Per Claim ​No Claim number limit	R18 000 Sub-Limit R6 000 Per Claim ​No Claim Number Limit	No Benefit	​No Benefit	No Benefit
Co-Pays as a %	​Overall Annual Limit has increased from R183 000 to R191 000	Overall Annual Limit has increased from R183 000 to R191 000	No Change	​No Change	​No Benefit
Penalty Fee	R14 000 Per Claim	R9 500 Per Claim	No Change	​No Change	​No Benefit
Prescribed Minimum Benefit	No Change	No Change	Overall Annual Limit	​Overall Annual Limit has increased from R183 000 to R191 000	Overall Annual Limit ​has increased from R100 000 to R191 000
Sub-Limit Enhancer	R26 500 Per Claim No Sub-Limit ​No Claim Number Limit	​No Benefit	​​No Benefit	​​No Benefit	​No Benefit
Primary Care Benefit	For Shortfall On Consultation and Services. R1 250 Per Claim	​​No Benefit	​No Benefit	​No Benefit	​No Benefit
Emergency	No Change	No Change	Illness 9 years+ No Benefit. ​Children Sub-limit.	Illness 9 years+ No Benefit.​Children Sub-limit.	​​No Benefit
Appliance	No Change	No Claim Limit	No Change	​No Benefit	​No Benefit
Trauma Counselling	No age Bands-all ​R950 Per Claim. ​No claim number Limit	No age Bands-all ​R800 Per Claim. ​No claim number Limit.	​No Benefit	​No Benefit	​No Benefit
Breast Reconstruction	500% for affected breast R27 500 for unaffected breast.	500% for affected breast R20 000 for unaffected breast.	​No Benefit	​No Benefit	​​No Benefit
Gap Premium Waiver	6 months	6 months	​No Change	​No Benefit	​No Benefit
Medical Scheme Premium Waiver	R5 250 Max	No Change	​No Benefit	​​No Benefit	​No Benefit
Accidental Death	Policy Holder - R16 000  Adult - R11 000 ​Child - R6 000	Policy Holder - R8 500  Adult - R5 500 ​Child - R3 000	​No Benefit	​No Benefit	​No Benefit
Initial Cancer Diagnosis	R27 500	R17 000	​No Benefit	​No Benefit	​No Benefit
Sira'Go Baby	Lump Sum R2 000 per baby	Lump Sum R1800 per baby	Lump Sum R1500	Lump Sum R1500	​No Benefit
MedCare	Free - Prescribed minimum benefit Claims over R9 000	​Free - Prescribed minimum benefit Claims over R9 000	​Free - Prescribed minimum benefit Claims over R9 000	Free - Prescribed minimum benefit Claims over R9 000	​No Benefit
Hospital Account Shortfall	R6 500 Sub-Limit R1 350 Per Claim No Claim Number Limit	No Claim Number Limit	No Benefit	No Benefit	No Benefit

Sirago Gap Cover 2023 Premiums