Nationwide gap cover guidance

Medical gap cover in South Africa

Understand how gap cover may help with certain eligible shortfalls between medical scheme benefits and in-hospital specialist charges.

Where gap cover fits

Gap cover is separate from medical aid and is designed to complement eligible medical scheme membership. Depending on the policy, it may address certain defined shortfalls arising from covered in-hospital treatment.

Sonet Schoeman Brokers CC helps clients throughout South Africa examine this cover alongside their medical scheme option rather than in isolation.

Important: Benefits vary by policy. Waiting periods, exclusions, limits and claim requirements may apply, and gap cover does not replace medical scheme membership.

Points to understand

  • Who may be covered under the policy
  • Defined tariff shortfall benefits
  • Applicable waiting periods
  • Policy limits and exclusions
  • The process and documents needed for claims

A clear way to assess your needs

Check your membership

Start with your current medical scheme and option details.

Read the terms

Consider benefits, exclusions, waiting periods and limits.

Ask questions

Get clarity on how a policy could apply to your circumstances.

Nationwide service, based in Benoni

We assist clients throughout South Africa by phone and online, with an office at 20 Trevor Avenue, Morehill, Benoni, 1503.

Shurance is the website of Sonet Schoeman Brokers CC, Authorised Financial Services Provider FSP 33030.

Understand your gap cover options

Contact Sonet Schoeman Brokers CC from anywhere in South Africa for a needs-based discussion about supplementary healthcare cover.

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