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.

Highlights
Highlights
Highlights
Highlights

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 2025

For the 2026 Product Range, please click on each product below for the 2025 and 2026 premiums and benefits.

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 2025 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

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

What is Gap Cover?

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Client Testimonials

BEST INSURANCE PRODUCT I HAVE EVER PURCHASED.  Have claimed numerous times and always been paid in full in a short space of time. No drama or fuss of insurer looking for reasons not to pay.  I have already recommended Turnberry Gap Cover to my family, friends and colleagues, and will continue to do so.  Happy to have my name used for a product that I highly recommend.

Fran Davidson – May 2025

So far I have been very satisfied with each claim that I have submitted.  I have been emailing my claims directly online on the website, and attaching all the relevant documentation.  Does everyone need Gap Cover? ‘Do it, you never know when you might need it, trust me you won’t want to be without it!’

Tyrone Swart – May 2025

We are very happy Turnberry customers. Turnberry has assisted us with claims payments for 2 spinal operations for just under R200k within a year. We have paid the Doctors and they were stunned with the quick claims payments to them. The claims Assessing team is SO Professional with a great Claims Manager. Thank you for your effective, quality and quick turn-around-time. We will continue to tell everyone about Turnberry.  Thank you!

Henriette & Martin – April 2025