Protect Your Family with Gap Cover

The cost of private health care in South Africa has increased considerably over the past decade. The gap between what you’re charged by private specialists and hospitals and what your medical scheme pays out is potentially very high. It can be a problem to afford proper medical care for your whole family. Taking out gap cover is one way to improve your cover.

Why do you need Gap cover?

A base rate is set by medical aids that medical professionals should charge. However, many specialists charge significantly more than this base rate. Without gap cover, you’re responsible for paying the difference out of your own pocket.

For a family, these costs can quickly add up, especially if multiple family members require medical treatment in a given year.

Family Coverage Benefits

Most gap cover policies allow you to cover your entire family under one policy, which can be more cost-effective than individual policies. This typically includes:

• Your spouse or partner
• Dependent children
• Sometimes extended family members

Peace of Mind

Having gap cover for your family provides peace of mind knowing that if someone needs medical treatment, you won’t face unexpected bills that could strain your finances. This is especially important for:

• Families with young children who may need unexpected medical care
• Households with elderly dependents
• Anyone with chronic conditions requiring regular specialist care

Affordable Protection

Gap cover is surprisingly affordable, with family policies available at competitive rates. When you consider the potential costs of even a single hospital stay without adequate cover, the monthly premium becomes a worthwhile investment in your family’s financial security.