Stratum Benefits - Base Gap Cover

Stratum Benefits - Base Gap Cover

Stratum Benefits’ entry-level gap cover product, Base, is an affordable solution for all age groups. 

Gap Cover Benefits

Co-payment benefit

No Benefit

Dental benefit

Shortfalls on dental related procedures limited to R4,000, related to accidental injury limited to R8,000per policy per year

Diagnosis benefit

Once-off payment of R5,000 upon first time cancer diagnosis, subject to specific qualifying criteria. This benefit ceases at age 65 and is not subject to the OPL

Emergency/casualty benefit

In the event of an accident, when immediate treatment is required for physical injury. Limited to R7,000 per policy per annum. Subject to OPL

Full time students over 21

Covered, as long as they are registered as medical scheme dependants on your or your spouse’s medical scheme option

Gap cover limits

Overall Policy Limit (OPL) of R165,000 per person per year

Gap cover percentage benefit

Cover provides an additional 500% cover per person per year. Subject to the OPL. Relates to: Doctors & Specialists, radiology, pathology, physiotherapy and ultrasounds. As part of hospital event Basic and Specialised Radiology scans limited to R5,000 per year

Lives Covered

We cover you and your spouse on one policy, even if you belong to different medical schemes or medical scheme options, including all Dependants registered on your or your spouse’s medical scheme option. Where either one, or both individuals are 65 and older the 65+ premium will apply, limited to two insured individuals per policy

Maximum entry age

There is no maximum entry age applicable

Oncology benefit

No Benefit

Oncology supplementary benefit

No Benefit

PMB cover

Stratum Benefits cover all PMB procedures

Sub-limit benefit

No Benefit

Trauma counselling

Covers the cost of trauma counselling consultation fees, limited to R6,000 per policy per year. Subject to the OPL (refer to policy document for full details)

Gap Cover Contributions


Single - Under 64 yrs

R 213

Family - Under 64 yrs

R 250

Family - Over 64 yrs

R 414

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