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A medical scheme membership does not mean you will not have extra medical expenses.
In the South African medical landscape, the medical practitioner can charge more for in-hospital procedures than what your medical scheme is willing to pay.
That creates a situation where you as the patient go to hospital for Specialist, Anaesthetist and Radiology services and you are charged up to 500% of medical scheme rate. The difference between the private doctor’s rate and your medical scheme tariff creates an excess amount which you would be charged for in your personal capacity.
Learn more about the different medical shortfall solutions
Gap Cover is a short term insurance product for members of a medical scheme, providing extra cover for medical shortfalls that could occur during in-hospital procedures.
Another potential out-of-pocket expense for medical scheme members is co-payments for in- and out-of-hospital procedures.
To get the most out of Gap Cover invest in Gap Cover & CoPay Cover to prevent any unpleasant out-of-pocket expenses after your hospital procedure.