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.

Zestlife is an authorised financial service provider.

FSP Number: 37485

Policies underwritten by Guardrisk Life Limited (FSP number 76) and Guardrisk Insurance Company Ltd. (FSP number 75)


What we offer you:
• Easy to understand, affordable medical cover that is sustainable over the long term
• A solution that suits your individual needs
• Quality healthcare solutions and medical insurance to protect you and your family when things go wrong


Product offerings:


UniversalIndividuals younger than 55 yrs is R324 pm, between 55 and 64 yrs is R409 pm and 65 yrs + is R466pm.

Families – younger than 65 yrs is R409 pm and R466 pm for 65 yrs +.

Essential Individuals younger than 55 yrs is R245 pm, between 55 and 64 yrs is R307 pm and 65 yrs + is R351pm.

Families – younger than 65 yrs is R307 pm and R351 pm for 65 yrs +.


You can also add:

  1. Extended Cancer lump sum benefit for R 68 pfpm (R75000) OR R130 pm (R175000). Ceases at age 65 yrs.First time diagnosis only.
  2. Medical premium waiver benefit for 24 (R165 pm) or 60 months(R289 pm).
  3. Extended Dentistry cover for R 259 pfpm.

Who’s covered

  • Guaranteed cover for all applicants.
  • No entry age limit.
  • No restrictions on the number of children covered.
  • Cover provided for adult dependants at no extra cost, i.e., parents and siblings of the policyholder.

Gap Benefits

  • Up to 500% of Medical Scheme Tariff cover for in-hospital procedures and 50 out-patient procedures.
  • Prescribed Minimum Benefit (PMB) conditions are covered.
  • Cover is extended above scheme limits and is calculated as the difference between the medical practitioner charges and scheme tariff.

Co-payment Benefits

  • Hospital admission and procedure-specific co-payments are covered.
  • Co-payments for using a non-Designated Service Provider (non-DSP) are covered.
  • Co-payments on out-patient MRI, CT and PET scans are covered.

Enhanced Cancer co payment

Cover for the co-payment as levied by the medical scheme when a member’s
total annual cancer treatment limit is exceeded. This cover is subject to a
maximum co-payment of 20%.

Internal Prosthesis

Cover of up to R30 000 for each policy each year is provided for co-payments
and shortfalls on the cost of internal prostheses such as artificial joints after the
exhaustion of the medical scheme specified limit or threshold. This benefit does
not cover intra ocular lenses or prostheses that are not replacing a body part.

Additional Benefits

  • R25 000 cover, paid out on first time diagnosis of cancer for each policy beneficiary. This is in addition to the normal Gap Cover benefits as they apply to cancer.
  • Up to R30 000 internal prosthesis cover such as those used in joint replacement and spinal surgery. This benefit applies to the shortfall that arises when the scheme’s sub-limit is exceeded.
  • Breast reconstruction benefit of R20 000 payable in the event of a single mastectomy and payable towards the cost of cosmetic breast reconstruction of the non-affected breast.
  • Accidental death and permanent disability.
  • Trauma counselling benefit.
  • Accidental Casualty
  • Medical scheme and gap premium waver
It’s good to understand Liberty make use of Zest life administrators. They offer useful cancer lump sum options, accidental dentistry add ons and a breast reconstruction benefit unique to them in gap cover.Their plans for the 65+ bracket are competitively priced for 2018.Note their cancer co payment benefit is suited to only certain medical aid schemes though so please check with us for suitability.




PackageDescriptionAdditional CoverUnderwritingPrice
UniversalUp to 500% tariff gap. Co payment cover. Sub limit on internal prosthesis. Oncology co payment (20%) + Lump sum first time diagnosis.Non DSP co payment. Accidental Casualty.Breast reconstruction. Accidental death. Trauma counselling, etc.12 month pre existing conditions. 12 month maternity.Individuals:
younger than 55 - R324 pm.
55 to 64 - R409 pm.
65 + @ R466 pm.

Up to 64 yrs - R409 pm. 65+ @ R466pm
EssentialUp to 300% tariff gap.Co Payment cover.Accidental death. Trauma counselling,Accidental Casualty.12 month pre existing conditions. 12 month maternity.Individuals:
younger than 55 - R245 pm.
55 to 64 - R307 pm.
65 + @ R351 pm.

Up to 64 yrs - R307 pm. 65+ @ R351 pm.