Increase in the OAL (Overall Annual Limit) – effective 1st April 2025
National Treasury annually publishes new limits under the Demarcation Regulations. As of 1 April 2025, the limit for medical expense shortfall (Gap) policies has been increased from R210,580.06 to R219,845.96. Turnberry has increased the overall annual limit on all policies we administer with these benefits, with effect from 1 April 2025. Our clients automatically qualify for the adjusted overall annual limit.
Medical aid alone is no longer enough to fully protect you from the rising costs of healthcare. Doctors may charge more than medical aid rates, and hospitals can impose co-payments or fees not covered by your plan—leaving you with significant out-of-pocket expenses.
Gap Cover is a short-term insurance product designed to cover these medical expense shortfalls. As medical schemes introduce more cost-containment measures—such as co-payments and provider network restrictions—Gap Cover plays a vital role in ensuring your financial protection.
Regardless of your age or health, unforeseen medical events can happen. Having Gap Cover in place provides critical support during life’s unexpected moments, helping you safeguard your financial wellbeing while accessing the care you need.
At Turnberry, our mission is to offer clients security and assurance—especially when it matters most.
PRODUCT RANGE 2026
PREMIER
Premier is the umbrella sheltering your entire family. It offers a vast range of benefits to cater for unforeseen medical expense shortfalls and provides comprehensive cancer benefits.
OPTIMAL
Optimal provides a broad array of benefits – enhancing your medical aid by up to 500% of medical aid rates – all at a family-friendly price.
DYNAMIC
DYNAMIC is designed for a new generation of healthcare consumers – smart, proactive, and on the move. This Gap Cover solution offers flexible, affordable
protection from costly medical shortfalls.
SYNERGY
Synergy offers a healthy spectrum of benefits at a very attractive price. It ensures you and your family are covered for the most common types of claims, covers medical expense shortfalls of up to 500%.
LAUNCH
This launches you into the world of Gap Cover, offering essential benefits and covering medical expense shortfalls for Specialists up to 350% of medical aid rate. Launch is one of the most price-effective Gap Cover solutions on the market.
MED EXTEND
Med-Extend has been designed to assist clients with medical expense shortfalls for Specialists and with covering Defined Procedures that have been excluded on their specific Medical Scheme option.
EXTENDED FAMILY COVER
If you have extended family or an additional dependant registered on your Medical Scheme, you may add them onto your Policy for an additional premium per month.
TRAVEL ASSIST
International travel cover through TIC is offered as an added-value to all Turnberry Policyholders upon request. The cover ensures end-to-end emergency assistance by air, land or sea.
View our 2026 Product Brochure
During the tough times, you need a partner that will be by your side navigating you to safety.
You have a partner. Turnberry. Navigating the way
