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Medical aid often falls short, with specialists charging 200-600% above rates. This is a top pain point in "gap cover South Africa" searches. Mediwize's gap cover bridges this, covering differences and co-payments, ensuring zero out-of-pocket shocks.
Up to 500% Coverage • Affordable from R400/month
Even with medical aid, you could face significant out-of-pocket expenses when specialists charge above medical aid rates.
Specialist charges: R20,000
Medical aid pays (100% of tariff): R12,000
You pay: R8,000
Specialist charges: R20,000
Medical aid pays: R12,000
Gap cover pays: R8,000
You pay: R0
Most specialists charge 200-600% above medical aid rates. Gap cover ensures you're not left with unexpected bills after medical procedures.
Pay the difference between specialist charges and medical aid scheme rates, up to 500%.
Much cheaper than upgrading your medical aid, with premiums starting from R400/month.
Standard waiting periods apply on new policies, after which your cover is in full effect for in-hospital shortfalls.
No more worrying about unexpected medical bills after procedures or hospital stays.
Covers the gap when specialists charge above medical aid rates, typically up to 500% of scheme rate.
Cover for theatre fees and anaesthetist charges that exceed your medical aid limit.
All in-hospital procedures and treatments where shortfalls may occur.
Cover when you exceed annual sub-limits on your medical aid plan for certain procedures.
Some plans cover the co-payments required by your medical aid scheme.
Additional cover for cancer treatment shortfalls and oncology-related costs. Available on selected gap cover options only.
Selected options include a casualty benefit for emergency room visits that don't result in a hospital admission.
Selected options include cover for out-of-network hospital co-payments where your medical aid restricts you to a network.
Choose the level of protection that suits your medical aid and budget
Contact us for a personalised quote
Contact us for a personalised quote
Contact us for a personalised quote
Premiums depend on your age, medical aid plan, and chosen gap cover level. Contact us for accurate pricing.
Those on basic hospital plans face the biggest shortfalls and benefit most from gap cover.
Members of network options who want the freedom to use any specialist without penalties.
People 50+ who may need more medical care but want to keep medical aid costs manageable.
Those with chronic conditions whose specialist visits during in-hospital treatment can exceed sub-limits. Note: gap cover applies to in-hospital shortfalls only and does not cover day-to-day benefits.
Gap cover is an affordable way to protect yourself from specialist shortfalls and co-payments. Get comprehensive protection for a fraction of the cost of upgrading your medical aid.
Prefer to reach out directly? Our team is here to help — contact us using the details below.
Office
53 General Alberts Avenue, Randhart, Alberton, 1449
Business Hours
Mon–Thu: 08:00 – 16:30
Fri: 07:30 – 16:00
Sat – Sun: Closed