Kaelo Westen-Gap gap cover

Western Gap/Kaelo is an authorised Financial Services Provider (FSP 43066).Underwritten by Western National Insurance

Company Limited. FSP 9465

Western Gap/Kaelo‘s stable of Gap products include.

Gap Select 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) f 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 that does not include cancer, co payment or sub limit cover. Western Gap/Kaelo 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 year+ bracket on other suppliers. Please get in touch for suitability, based on your requirements.

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    Click on the button below to view or download the Western Gap’s / Kaelo’s Gap Cover Brochure.

    Click on the button below to view or download the Western Gap’s / Kaelo’s Gap Cover Application Form.