NB. All gap cover policies currently have an annual limit of R150 000 per insured member per year. Please familiarize yourself with the relevant waiting periods and exclusions.Gap products are not medical aid schemes and cover is not a substitute for medical aid.
African Unity Health is an authorised Financial Services Provider (FSP 43066).Underwritten by Western National Insurance
Company Limited. FSP 9465
Complimed’s stable of Gap products include:
Gap Select @ R 390 pm (70 yrs and younger) and R460 pm for seniors (71 yrs and older).
The Gap Select option is a comprehensive product with the following being covered:
- Gap Tariff up to 500%
- Co-payment GAP
- Sub-limit cover
- Cancer co payment cover
- Accidental Casualty benefit
- Premium Waiver benefit + various other add ons.
LPE Advanced (Listed Procedure Enhancer) for Key Care/Essential Smart/Boncap/Necess medical aid options @ R 280 pfpm (70yrs and younger) and R350 pm for seniors.
If you have the Keycare (any variant) / Essential Smart plan option with discovery, Bonitas’ Boncap OR Medihelp’s Necess ,then this is the most recommended policy for you. It covers a list of procedures the medical aid excludes such as functional nasal surgery , back and neck treatment or surgery, Joint replacements, hernia repairs and cochlear implants to mention but a few. Please look at the attached brochure to see more detail or contact one of our advisors to check for suitability.
There is an entry level plan called Gap @ R270 pm and R340 pm for seniors but this does not include cancer, co payment or sub limit cover.
CompliMed are one of the longest running gap cover providers in the market. Their waiting periods for 2018 are a bit more relaxed than most. They do cover PMBs and cater for spouses across medical aid options.Their age categorisation only kicks in from 71 yrs +. This may suit potential applicants between the age of 64 and 71 yrs of age who may look to avoid the 65 yr+ bracket on other suppliers.
Please get in touch for suitability, based on your requirements.
|Gap||Up to 500% tariff gap.Oncology Co payment and sub limit + Lump sum first time diagnosis.||Casualty. Accidental Death. Premium Wavers. Consumables, etc.||General 3 month. 12 month pre existing cancer. 10 month maternity and 6 month condition specific on spinal, cardiac, joint and scopes, etc.||Individual/Family: R270 pm.|
Senior (71+) : R340pm
|Gap Select||Up to 500% tariff gap.Oncology Co payment and sub limit + Lump sum first time diagnosis.Co payment and Sub limit cover for internal prosthesis.||Non DSP co payment.Casualty. Accidental Death. Premium Wavers. Consumables, etc.||General 3 month. 12 month pre existing cancer. 10 month maternity and 6 month condition specific on spinal, cardiac, joint and scopes, etc.||Individual/Family: R390 pm. |
Senior (71+) : R460pm.
Excess option available @ R350 pm (R435 pm senior) with R1500 excess payable on tariff shortfalls.
|Listed Procedure Enhancer||Up to 500% tariff gap + excluded procedure cover for joint/ neck/ spinal surgery, cochlear/auditory brain implants, etc.||Casualty. Accidental Death. Premium Wavers.||General 3 month. 12 month pre existing cancer. 10 month maternity and 6 month condition specific on spinal, cardiac, joint and scopes, etc.||Individual/Family: R280 pm. |
Senior (71+) : R350pm.