Hospital bills should be the least of your concerns

Get affordable cover for you and your immediate family against costly medical aid shortfalls for hospitalisation due to illness or an accident.
 

A Wallet

Absa Silver

Entry-level Gap Cover that covers in-hospital specialist care.

Buildings

Absa LPE

A Gap Cover option that will pay for specific procedures that have been excluded from your medical scheme.

Hand holding a tick mark

Absa Gold

Intermediate level Gap Cover that covers in-hospital specialist care.

Heart with life line

Absa Platinum

Comprehensive level Gap Cover that covers in-hospital specialist care.

What you need to know

  • What is Gap Cover insurance?

    Gap Cover is non-life insurance designed to provide extra protection against costly medical expense shortfalls.

    It covers the gap between the higher of the medical scheme tariff and the medical scheme reimbursement rate, and the amount charged by medical service providers for in-hospital treatment and defined out-patient treatment.

  • Why choose Gap Cover?

    Specialist medical treatment is very costly, and often your medical aid will not fully cover these expenses. This could leave you in dire financial straits if you require such treatments.

    Gap Cover is an affordable and essential part of your healthcare financial planning.

    It covers specific in-hospital and defined out-patient medical bills that exceed the amount your medical aid covers.

     

  • Frequently asked questions

    Who would need Gap Cover? 

    • Anyone belonging to a registered South African Medical Scheme, as medical scheme options have varying rates of reimbursement often resulting in members experiencing large unforeseen shortfalls they did not bank on.

     

    Why do I need Gap Cover? 

    • Members on a medical scheme are increasingly taking on the risk of rising healthcare costs, resulting in patients and their families footing the shortfalls that their medical aid doesn’t pay.

     

    How do I  use my Gap Cover? 

    • Complete a claim form and submit your doctor’s invoices, hospital account and medical scheme statement that show how much is not covered by your medical aid.
       

    See more

     

Choose the Gap Cover that suits you

Please note that premium amounts differ for people between the ages of 18 to 65 Years Old and 66 Years & Older.
All premiums incl. VAT and is applicable per family per month.

Absa Silver

From R424

Covers medical expense shortfalls for in-hospital specialists plus Casualty Ward Cover.

Absa LPE

From R451

Covers medical expense shortfalls for in-hospital specialists including 10 listed procedures not covered by your scheme option and Casualty Ward Cover.

Absa Gold

From R507

Covers medical expense shortfalls for in-hospital specialists plus Co-payment Cover, Sub-Limit Cover, Cancer Cover and Casualty Ward Cover.

Absa Platinum

From R556

Covers medical expense shortfalls for in-hospital specialists plus Co-payment Cover, Sub-Limit Cover, Cancer Cover, Casualty Ward Cover, Trauma Recovery, Dread Disease and the Premium Waiver.

Call me back

Need more help?

For claims or any queries.

Call us on:
087 820 8247

Email us at

absagapcover@optivest.co.za 

This is not a medical scheme and the cover is not the same as that of the medical scheme. This policy is not a substitute for medical scheme membership. The master policy issued is the source of all benefits, rights, and obligations and exclusions.

Absa Insurance Company Limited, an insurer licensed to conduct non-life insurance business and an Authorised Financial Services Provider (FSP 8030). Registration number 2000/025898/06. Terms and conditions apply.

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