Close the gap, save with value.

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Close the gap, save with value.

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Let us call you for a medical gap cover quote.

Fill the Gaps in Your Medical Aid

If you’ve ever faced a medical bill that your medical aid didn’t fully cover, gap cover is the affordable solution to close that gap. It bridges the difference between what your medical aid pays and what hospitals or specialists charge, ensuring you’re not left paying the shortfall.

We help you compare quotes for gap cover from top providers, so you can find the right plan that adds value to your healthcare, at a price that works for you.

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Compare & Save

How does Gap Cover Work?

Even with medical aid, unexpected gaps can occur in coverage, leaving you with out-of-pocket expenses. Medical gap cover helps bridge this gap, ensuring you're not stuck with unexpected bills for treatments or procedures.

Protection for Your Health

Medical gap cover ensures that when your medical aid falls short, you’re still protected. From specialist consultations to hospital procedures, gap cover fills the gaps, so that you are able to focus on your recovery. 

Peace of Mind

With rising healthcare costs, medical gap cover provides an affordable solution to unexpected shortfalls in your cover. We take the guesswork out of finding the right gap cover to help you get the most value for your money.

Frequently Asked Questions

How does Medical Gap Cover work?

Unless you’re a robot, you will probably need medical treatment at some point. Often, your medical expenses will exceed your medical aid rate. Without Medical Gap Cover, you’ll have to pay the difference yourself.

Medical Gap Cover is additional insurance – a top up that boosts your existing coverage. It helps pay for shortfalls in costs related to hospitalisation for accidents and illness, or medical procedures such as chemotherapy, radiotherapy, oncology and joint replacements.

No. If your medical aid doesn’t cover a specific procedure, then Gap Cover won’t cover that procedure either.

No. You need to have an active membership with a registered South African medical scheme in order to take up a Medical Gap Cover policy. Medical Gap Cover was specifically designed to boost your existing medical aid cover.

Please Note: Medical Gap Cover is not a medical scheme and does not provide the same level of cover. It is designed to complement your medical aid, not replace it.

No, Medical Gap Cover is not a medical aid scheme. It provides supplementary coverage that complements your medical aid by covering the shortfall in payments for certain treatments and procedures.

By comparing quotes from multiple providers, you could save up to 30% on your premiums. Value Insure helps you find the best value so you don’t overspend on Medical Gap Cover.