Zestlife Gap Cover

Zestlife gap cover is designed to cover shortfalls between what healthcare providers charge and what medical aid schemes cover, for in-hospital and some out-of-hospital treatments. It's available to individuals and families currently on any South African medical aid.

Zestlife was established in 2008, and has an experienced management team at its helm. Its gap cover policies are underwritten by the Guardrisk Insurance Company, a registered and authorised financial services provider (FSP number 75).

Zestlife gap cover plans

  • Zestlife - Universal Gap Cover

    Zestlife's Universal Gap Cover option provides comprehensive gap cover. It includes a more generous range of benefits than the Essential option, for only a small difference in premium.

    Along with medical expense shortfall cover for in-hospital expenses, it includes gap cover for specific out-of-hospital procedures; emergency room/casualty ward cover; and a range of health insurance benefits.

    Among other benefits, it also includes non-network copayment cover, enhanced cancer cover and shortfall cover for in-hospital dentristy.

  • Zestlife - Essential Gap Cover

    Zestlife's Essential Gap Cover is ideal if you're looking for affordable gap cover.

    It provides in-hospital medical expense shortfall cover; copayment cover; gap cover for specific out-of-hospital procedures; emergency room/casualty ward cover; and a range of health insurance benefits.

Benefits of Zestlife gap cover

The Essential and Universal Gap Cover options are designed to give people peace of mind.

If the unexpected happens and you fall ill or are involved in an accident, you won't be financially crippled by the costs of necessary medical care. Both options also provide a range of additional health insurance benefits.

The following table provides an overview of the gap cover and health insurance benefits available with Zestlife Gap Cover options.

Medical Expense Shortfall Cover

Health Insurance Benefits

  • No blanket waiting period (except for pre-existing conditions)
  • In-hospital cover for doctor and specialist shortfalls
  • Out-of-hospital shortfall cover for about 50 out-patient procedures
  • Medical aid co-payment cover for hospital admissions, scans and certain surgical procedures
  • Emergency room cover in case of accidental injury
  • With the Universal option, non-network co-payment cover, enhanced cancer cover, internal prosthesis and artificial joint cover and in-hospital dentistry cover
  • Accidental death and permanent disability cover
  • Trauma counselling cover
  • Lump sum cancer cover (Universal only)
  • Accidental dentistry cover (Universal only)
  • Medical aid and gap policy premium waiver cover (Universal only)

Zestlife extended gap cover for cancer, dentistry and medical aid premiums

Zestlife gives the option of enhancing your gap cover with:

  • Zestlife Extended Cancer Cover – pays out a lump sum on first-time diagnosis of cancer of the policyholder or their medical scheme dependants
  • Zestlife Extended Dentistry Cover – offers optional lump sum cover for emergency, accidental and specialised dentistry
  • Medical Premium Waiver Cover – provides cover that will continue to pay your medical aid and Zestlife premiums in the event of your death or permanent disability.

Zestlife Gap Cover is underwritten by Guardrisk Insurance Company, a registered and authorised financial services provider (FSP number 75). Zestlife itself is also an authorised financial services provider (FSP number 37485).

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