Who is Sirago?

Sirago Underwriting Managers (Pty) Ltd is a registered Financial Services Provider (FSP 4710), offering a variety of financial products tailored for the unique requirements of the South African market. As an underwriting manager, Sirago seeks market opportunities in specific niche products. Product development includes the costing, policy wording and marketing strategy of a product. After the full development of a new product is done it would be presented to a registered insurance company, who will then underwrite the product.

Their philosophy of continuous improvement means they strive to offer individual attention and high-quality products designed to meet your needs.

Daberistic has partnered with Sirago for a number of years.
Their products are competitively priced and offer strong value in the gap cover market and can serve as an excellent complement to your overall insurance portfolio. Importantly, they are efficient in claim payments.

Sirago gap cover explained

Why choose Sirago Gap cover?

• Personalized customer service
• Variety of options
• Cover for in-hospital and out-of-hospital
• Emergency room cover for accident, trauma and illness
• No maximum entry age and benefits do not cease at 65, unless specified
• Cover for you and your family either on a single medical scheme or on two medical schemes
• Claims are paid to the policyholder unless arrangements have been made to settle directly with the service provider
• Daily claims runs
• Daberistic clients have are offered discounted premiums

Who is covered by this policy?

The policy will cover the policyholder and dependants who are listed on the medical aid policy. Family Cover is limited to 2 adults with no limit on child dependents. This will apply if there are multiple medical schemes or options within the same family.

Child dependent is up to the age of 21, however cover can be extended to the age of 27 for full-time students, or if the medical scheme classifies them as child dependants, even if they are not students. (Proof required)

​Product options and benefits comparison

Terms: ​Overall Annual Limit (OAL)

Brochures

• Ultimate Gap
• Plus Gap
• Gap Assist
• Gap Core
• Gov Gap
• Exact Cover
• Exact Cover with Gap & Co-Pay
• Gap Liberal
• Gap Liberal Lite​

More Information

• Gap Cover Solutions
• Gap Options Comparison Table​​
• Funeral Plan
• Initial Cancer Diagnosis  Augmentation Cover

Daberistic's recommended option - Ultimate Gap -​Value added benefits

Premiums 2026

Sirago uses age-based pricing to keep cover affordable and fair. Members aged 0–64 pay a lower premium, while those 65 and older pay a higher rate due to increased medical risk and claim frequency. This structure ensures younger policyholders can maintain affordable protection, while still providing comprehensive gap cover across all age groups.
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Premiums are applicable for the duration of the relevant period or until the principal policy holder turns 65 years old and will be defaulted to the new premium table with effect from the 1st day of the following month of their birthday. 
Benefits do not change during this period and nor does any underwriting criteria.
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