Bridge the gap between your medical bills and your medical aid in South Africa with gap cover. If you would like an obligation-free gap cover quote, speak to your financial adviser or call us today on 0860 117 859from
R195 per month
What is GapCover?
GapCover+ bridges the gap between your medical bills and your medical aid cover. You can use your cover to help pay in- and out-of-hospital fees when your medical aid doesn't cover all the costs.
With Momentum GapCover, you can choose a plan suitable for you to make sure you’re prepared for any unexpected shortfall.
GapCover is not a medical aid cover. This product is not a substitute for a medical aid membership.
What are the benefits of having Momentum GapCover?
These benefits aggregate to a maximum benefit of R173 000 per insured person per year.
Covers up to 3 times the amount paid by the medical aid if there is a shortfall between what is charged by the medical practitioner and what is paid by the medical aid.
Covers co-payments applied by your medical aid, subject to a R750 excess per co-payment. You can get this amount back in your HealthSaver+ account, if you maintain HealthReturns+ level 4 or 5 for 3 consecutive months, have an amber or green Healthy Heart Score and receive HealthReturns into your HealthSaver+ account. This benefit does not cover co-payments payable for voluntary use of non-Designated Service Providers.
Covers the 20% co-payment applied to oncology treatment after the medical aid limit has been reached.
Covers the casualty cost fees associated with admissions to the emergency room, at a registered hospital casualty facility, due to a medical emergency or accident.
Limited to 4 casualty visits and up to R15 000 per policy per calendar year. The medical aid must have paid the first portion of the cost.
One of these casualty ward visits, up to R2 000, may be used in an emergency for child dependants 5 years or younger.
Covers shortfalls on internal prosthesis costs, up to a maximum amount of R30 000 per policy per year. Cover for stents and pacemakers are now included to a max of R6 000 per claim event.
Lump sum benefits
These benefits do not aggregate to the R173 000 cap.
If you are diagnosed with minimum stage 2 local and malignant cancer, whilst covered on this policy, we will pay you R5 000.
If, however, you are diagnosed with minimum stage 2, regional and malignant cancer, we will pay you R15 000.
If, after receiving the R15 000 benefit, your medical aid pays more than R200 000 for the cost of your oncology treatment within 12 months of your diagnosis, we will pay you a further R10 000.
This benefit is payable once in a lifetime per person covered on the policy.
The benefit of R50 000 is payable for death or permanent disability due to an accident. Subject to one claim per insured per lifetime.
If you are a victim of, or witness to, an act of violence (such as murder, assault, robbery, rape, kidnapping or hijacking) or a traumatic accident, we will refund a fixed amount of R750 per session for any trauma counselling you’ve had, limited to R25 000 per family per year.
- Violent crime benefit - R50 000 payable for death or permanent disability due to a violent crime.
- Premium waiver benefit - R36 000 payable upon the death or permanent disability of the premium payer.
- Pregnancy benefit - Benefit of R2 000 payable when existing GapCover members fall pregnant.
How much does Momentum GapCover cost?
No dependants may be added to GapCover if the principal insured is over the age of 65 at the time of applying for the cover.