List Of Gap Cover Companies In South Africa 2025-2026

Gap cover is a short-term insurance product designed to provide extra protection for those who already have medical aid. It covers the deficit between your medical scheme’s tariff (MST) and the actual rates charged by private healthcare professionals.

Below is the list of Gap Cover Companies In South Africa

Sanlam

Absa

Zestlife

Stratum

Turnberry

Essential Gap Cover

Ambeldown

Complimed

Xelus

Sirago

Jenius

Talksure

Hippo.co.za

Stratum Benefits

Old Mutual

Ambledown

Momentum GapCover

Discovery Gap Cover

Liberty Gap Cover

Constantia Insurance

Alexander Forbes

Auto & General Insurance

Liberty Essential Gap Cover

Santam’s gap cover

Zestlife Gap Cover

PSG Gap Cover

Vision Insurance Brokers Gap Cover

Cover The Gap

MyBroadband Forum Gap cover

Linksave

African Unity – Gap Cover

Who offers the best gap cover in South Africa?

Sanlam and Absa emerged as the top-ranked gap cover providers in South Africa. Sanlam offers the best value for money to people under the age of 60 their Comprehensive Gap Cover costs approximately R250* per month per individual or family.

What is the gap cover scheme?

Gap cover is when your health fund has an arrangement in place with the medical services provider (e.g. the hospital or your doctor). Gap cover insures you against some of the out-of-pocket costs between what the medical services provider charges you and what Medicare will give you back (the gap payment).

Is there a waiting period for gap cover?

As a gap cover policy holder, you will usually have to adhere to waiting periods applied to four broad categories: Pre-existing conditions waiting period: depending on your gap cover provider, you may not submit a claim for pre-existing conditions for the first 6 to 12 months of cover.

What is gap cover for medical aid?

Medical Aid Gap Cover covers the gap between what a health practitioner charges and the amount your Medical Aid is willing to pay. Don’t put yourself at risk of being in need of financial assistance, should your Medical Aid not cover all your healthcare costs.