Gap Cover

Gap Cover Providers

Gap cover is short-term insurance designed to provide extra protection for those who already have medical aid. It covers the difference between what medical aid schemes pay and what professional healthcare providers actually charge, which may be up to five times your medical scheme’s base tariff.

Using our site, you can learn more about leading providers of gap cover in South Africa and download relevant application forms. Alternatively, contact us for advice and gap cover quotes based on your needs.

Liberty Gap Cover protects existing members of South African medical aid schemes by providing medical expense shortfall cover for in-hospital treatment.


Sirago Underwriting Managers (Pty) Ltd offers gap cover, as well as co-payment cover, to existing members of registered medical aid schemes in South Africa.

Stratum BenefitsStratum Benefits was established in 2006 to provide gap cover for medical aid scheme members in South Africa. This award-winning, short-term insurer is an authorised financial services provider with headquarters in Johannesburg, and regional and satellite offices in major South African cities.


Zestlife Gap Cover pays for the difference between what healthcare providers charge and what medical aid schemes cover, for in-hospital and certain out-of-hospital treatment.