Increase in the OAL (Overall Annual Limit) – effective 1st April 2023
National Treasury annually publishes new limits under the Demarcation Regulations. As of 1 April 2023, the limit for medical expense shortfall (Gap) policies has been increased from R185,837.63 to R198,660.43. Turnberry has increased the overall annual limit on all policies we administer with these benefits, with effect from 1 April 2023. Our clients automatically qualify for the adjusted overall annual limit.

Gap cover is a short-term insurance product that helps protect you from medical expense shortfalls, which happen when your doctor charges more than the medical aid rate for in-hospital treatment, or the hospital charges co-payments for operations. These unanticipated expenses can leave you with an unexpected financial burden that you will have to pay for out of pocket. With rampant medical inflation and the cost of medical procedures constantly increasing, this could easily run into hundreds of thousands of Rands.

As medical aids are under constant pressure to balance benefits with affordable contributions, they have had to resort to creative strategies to attempt to maximise coverage. This means that co-payments now exist where previously there were none, and members are now being restricted to using certain providers at certain networks, with penalties applied if patients go outside of these networks.

Gap cover has become an essential component of any financial portfolio to protect you against potentially crippling medical expense shortfalls, no matter how young and healthy you are. Often, it is the unforeseen that can result in the most significant medical expense shortfalls, but with gap cover in place you can protect your financial wellbeing alongside your physical health.

Turnberry’s Mission is to offer our Clients security and assurance, especially during those times when they need us most.

Click here to Apply and Get Cover, or if you need a Turnberry representative to contact you to assist with the solution to suit your needs, please click here.



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 provides a broad array of benefits – enhancing your medical aid by up to 500% of medical aid rates – all at a family-friendly price.


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%.


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 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.


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.


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 2024 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

What is Gap Cover?

Get in touch today!

Recent Posts & Podcast Episodes

Call us!

011 677 9891

Client Testimonials

We will most definitely recommend Turnberry Gap Cover to friends and family.   Will definitely persuade such a person to consider Turnberry.  Awesome service

Freddie Petersen

By covering my medical aid shortfall and providing a sense of comfort knowing my family will be taken care of.   The premium amount is worth the peace of mind.

Robynne-Leigh McNeill

I could not believe how simple and straightforward the claims procedure was. All the information that was requested was immediately available via email. My submission was acknowledged within hours and I was kept abreast of the progress of the claim at each step. Nothing could have been easier. Thank you

Google Business Page Review

I have been on Turnberry for almost 18 years and have always been impressed with the promptness of the claims process.  I have always recommended Gap Cover, and feel it is a necessity, which you cannot afford not to have in SA

Bryan Thomas

Awesome service from one of the best gap covers on the market, definitely been worth it for us.

Sally Edwards