Gap cover

● Gap cover is insurance that covers gaps in your medical scheme cover — largely shortfalls arising when doctors charge more than the scheme rate. GTC’s gap cover survey identified 55 gap cover insurance policies that provide benefits for medical scheme members and their dependants who are treated in casualty or emergency wards.

Although this isn’t a key criterion for choosing a gap-cover policy, they are nice to have and range between R1,000 and R15,000.

The highest benefits are on Renasa’s Linksave and Total Risk Administrators’ policies, says Jill Larkan, head of healthcare consulting at GTC.