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Medical Gap Cover

Find the Gap Cover which best suits you with a comparison of all of the major Medical Gap Cover providers including:

Cura, Liberty (ZestLife), Sanlam, Stratum Benefits, TRA and Turnberry

From the people that have been bringing you broker-fee-free gap cover since 1999

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Get Medical Gap Cover

Examples of Medical Aid shortfalls

Procedure Cost Medical Aid Payout Shortfall Gap Claim
Appendicectomy R3,441.46 R1,388.20 R2,053.26 R2,053.26
Caesarean Section R12,605.86 R4,192.10 R8,413.76 R8,4133.76
Coronary Bypass R40,751.80 R13,587.60 R27,164.20 R27,164.20
Hysterectomy R12,977.80 R4,751.00 R8,226.80 R8,226.80
Tonsillectomy R12,297.70 R4,119.91 R8,177.79 R8,177.79
Wisdom Teeth Removal R6,260.00 R1,958.50 R4,301.50 R4,301.50

What is GAP COVER?

GAP cover pays YOU the difference between what the doctors charge in hospital and NHRPL, what the medical aid actually pays.

The National Health Reference Price List  (NHRPL) is a pricing system maintained by the Department of Health and the Council for Medical Schemes. The NHRPL specifies the rates to which your medical aid scheme must adhere. It is the amount of money that they are bound by law to pay out for a given situation. Doctors, hospitals and other medical service providers however, are not bound to these rates, and in fact charge up to 300% above these NHRPL prices. So despite thinking you are financially covered for any medical eventuality in its entirety, for the most part you are not, and are often liable for an enormous shortfall.

To Whom It May Concern

This serves as a testimonial for Tyrone Raman who assisted me with choosing my GAP cover and my claim.

On 7 March I received the outcome for my first claim with Turnberry for costs relating to my reconstruction of left breast after my mastectomy.   Their letter stated that due to Clause 26, preexisting condition clause my claim had been declined.

I consulted Tyrone and he advised that we had passed the 3 month waiting period and there should be no other preexisting conditions.  He immediately wrote to Turnberry and stayed in touch with constant and timeous followups.  I was very impressed with his excellent knowledge with regards to the policy definitions and laws, and interpretation thereof.  Tyrone displayed excellent communication skills throughout the process of disputing their outcome.  I felt reassured that I was in good, capable hands.

Despite their resistance to review the claim outcome he was determined and persistent while staying respectful and professional and got the results needed.

I am impressed with the service standard which is a rare quality in the times we live in and am grateful.


I appreciated the speed and efficiency with which my claim was processed.


I would like to thank one of your staff members, Tyrone Raman,  I am in need of Gap cover but I have an unusual case with my son.  I am not getting any help from other insurance companies.  Tyrone has been a one stop shop for me and he has REALLY gone above and beyond to assist me.  I told him what I want and he did the research and in the end came to me with a company that would possibly help me with what I need.  I know all about service as you can see I am a service consultant myself. If I help my client with half the amount of effort that Tyrone put in, Standard bank would be very proud of me. 


I would like to thank Tyrone for all your assistance. It is much appreciated and has saved me much time and effort in challenging them myself.

I wish you well during these trying times.