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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 copayments 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 should be part of your financial planning no matter your age or life stage. It is never too early to start thinking about your financial future, because the sooner you start the more time you have to plan, save and invest. Effective financial planning is essential whether you are in your 20s, your 80’s or any age in between, and this does not just mean having retirement annuities in place. With the rising cost of medical treatment and increasing shortfalls in medical aid cover, medical expenses can easily become a burden, and while you are typically young and healthy earlier in life, accidents happen and the older you get, the more likely you are to need costly medical treatment. Gap cover has become a vital part of a comprehensive financial planning toolset, no matter what your current age or life stage is.
Claims paid by Turnberry over the past 12 months
Client Testimonials post claim submissions
What a great experience when submitting my claim. Turnberry was there when I needed them most. The assistance I received was more than I expected. I would recommend Turnberry to anyone who showed interest.
My experience was good. Turnberry Staff assisted me a professional manner with much empathy and patience. I WAS MOST IMPRESSED HOW MY CLAIM WAS
HANDLED. For peace of mind of self and family, it’s a must. DONT DELAY. I have no hesitation in recommending Turnberry Gap Cover.
No nonsense and honest! Quick and easy claim process. Not optional you HAVE to have it! Highly recommend to family and friends.
The Turnberry Broker has been nothing but supportive throughout my whole claim. Definitely a must. I had a partial hip replacement and not even 3 weeks later needed a full hip replacement. I was not disappointed with the claim submission / payment. Excellent service.
My experience with support was absolutely phenomenal! From the receptionist who answered the call to explain the process, to the actual claim assistant who processed and explained things to me in detail. I must be honest and explain the simplicity of Turnberry gap cover. The professional manner in which the claims’ assessors conduct themselves. I have already recommended your gap cover to 12 of my family members. Service – EXCELLENT!!
Cover for birth-related shortfall of R22k paid out timeously. Waiting period for pregnancy claims is 10 months so plan ahead, and partner can be added to existing policy at no additional cost.
I hereby want to thank you for the excellent service of Turnberry Gap Cover. With every call that I have made to Turnberry I was served with patience, kindness and friendliness and every one that I have spoken to assisted me with any query. I will highly recommend anybody to make use of the Turnberry Gap Cover. Out of 10 I will surely give Turnberry 10.
I received the usual prompt and efficient service as always. Would definitely recommend due to my personal dealings with the company. Work in a medical practice and so have exposure to various GAP insurers. Turnberry are by far the most efficient in my working environment.
What great experience I had with Turnberry. They were so professional and most of all so speedy to settle my claim. Very seldom does one get this kind of service, I can really recommend them with a good heart.
Turnberry Gap Cover offers excellent gap cover at a cost which will not break the bank. The claims process is simple, and the payout happens within 10 days. Would HIGHLY recommend their services.
I joined Turnberry in December 2023. When my husband suddenly fell ill in May 2024 there was a number of accounts from the hospital and doctors that was not covered by my medical aid. I contacted Turnberry, and a staff member took me step by step through the entire process of submitting my documentation and claim form online to Turnberry. The process is very user friendly. With the high rates charged by specialists, Gap cover is a must even if you have a medical aid fund. I would recommend Turnberry to anybody that is considering Gap cover. Their service is impeccable and from my experience they definitely rate a 10!
Turnberry are at the top of the game; service is great and every person considering Gap cover should put Turnberry at the top of the list for choice.
My claims were processed hassle-free. I want to thank Turnberry for the efficient way in which this claim was dealt with, well done to all.
Absolutely amazing experience with Turnberry! Professional, always accessible consultants and claims assessors who know what they are doing! I would recommend them to anyone looking for a good gap cover!
This was my first claim. What a surprise – the amount I’ve claimed, was paid into my bank account within 2 days – excellent service!!! Well done.
Turnberry Cap Cover finalized my claim without any issues. Whenever I called, I was dealt with in a friendly and professional manner. The claim application was done online and the whole process was quick and efficient. I am glad I switched to Turnberry.
I have had 3 interactions with Turnberry and on all account was I helped without any issues at all. 1st time I supplied them with a quote to understand if it would be covered in which they responded in a timely fashion. 2nd and 3rd time I claimed and both was handled extremely fast without any issues at all. I would really recommend them to anyone.