Sirago Gap Cover

Sirago offers a range of gap cover and co-payment cover options to existing members of registered medical aid schemes in South Africa.

Sirago has been operating for more than 20 years and is well known for its straightforward, competitive gap cover products. These include options tailored for different needs and budgets.

Smart, simple and value for money.

Sirago gap cover plans

  • Sirago - Gap Assist Cover Gap Cover

    Sirago Gap Assist Cover is the ideal, low-cost gap cover. It includes gap cover for in-hospital medical expense shortfalls at up to 500% of the medical scheme tariff.

    It also features cover for co-payments, outpatient surgical procedures and emergency room treatment – and a benefit for medical appliances.

  • Sirago - Gap Lite Cover Gap Cover

    Sirago Gap-Lite Cover is entry-level, affordable gap cover.

    Ideal for the younger generation, it includes in-hospital gap cover at up to 200% of the medical scheme tariff. It also features cover for co-payments, outpatient surgical procedures and emergency room cover, subject to a sublimit.

  • Sirago - Plus Gap Cover

    Sirago’s Plus Gap Cover plan includes gap cover for in-hospital claims, out-patient procedures and PMB treatments at non-DSP facilities, as well as ER cover up to an overall annual limit per policy per year.

  • Sirago - Ultimate Gap Cover

    Sirago Ultimate Gap Cover is comprehensive gap cover, for peace of mind.

    It includes generous in-hospital gap cover and co-payment cover; cover for emergency room treatment, outpatient consultations and surgical procedures, care at step-down facilities, and preventative care and trauma counselling; and extended cancer benefits.

Why choose Sirago gap cover?

  • in-hospital gap cover for medical expense shortfalls and co-payments
  • shortfall cover for out-of-hospital specialist consultations and emergency room treatment
  • for prescribed minimum benefit conditions, cover for voluntary use of non-designated service providers
  • stated lump sum benefits paid directly into your bank account
  • compatible with all registered medical aid schemes in South Africa.