{"id":1310,"date":"2017-10-04T09:10:09","date_gmt":"2017-10-04T09:10:09","guid":{"rendered":"https:\/\/turnberry.co.za\/2027\/b"},"modified":"2025-11-05T16:34:03","modified_gmt":"2025-11-05T16:34:03","slug":"faqs","status":"publish","type":"page","link":"https:\/\/turnberry.co.za\/2027\/faqs\/","title":{"rendered":"FAQ&#8217;s"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:3%;--awb-padding-bottom:2%;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;--awb-margin-top:42px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-1\"><p>Please select from the relevant section below. If you still cannot find the answer to a question you may have, please send us a contact form.\u00a0<a href=\"https:\/\/turnberry.co.za\/2027\/contact-us\/\">Click Here to go to the contact form.<\/a><\/p>\n<\/div><div class=\"fusion-tabs fusion-tabs-1 clean nav-is-justified awb-tabs-transition awb-tabs-transition-fade faq-toggle horizontal-tabs icon-position-left mobile-mode-accordion\" style=\"--awb-title-border-radius-top-left:0px;--awb-title-border-radius-top-right:0px;--awb-title-border-radius-bottom-right:0px;--awb-title-border-radius-bottom-left:0px;--awb-alignment:start;--awb-inactive-color:#712a81;--awb-title-text-color:#ffffff;--awb-background-color:#002e6d;--awb-border-color:#ffffff;--awb-active-border-color:#002e6d;--awb-active-border-size:3px;--awb-transition-speed:300ms;\" id=\"faq-toggle\"><div class=\"nav\"><ul class=\"nav-tabs nav-justified\" role=\"tablist\" aria-orientation=\"horizontal\"><li class=\"active\" role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-cfc903af77a903d0d77\" aria-selected=\"true\" tabindex=\"0\" id=\"fusion-tab-cfc903af77a903d0d77\" href=\"#tab-cfc903af77a903d0d77\"><h4 class=\"fusion-tab-heading\">New Business<\/h4><\/a><\/li><li  role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-011d90349fccc717d32\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-011d90349fccc717d32\" href=\"#tab-011d90349fccc717d32\"><h4 class=\"fusion-tab-heading\">Claims<\/h4><\/a><\/li><li  role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-9bb4a7667291e5d1822\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-9bb4a7667291e5d1822\" href=\"#tab-9bb4a7667291e5d1822\"><h4 class=\"fusion-tab-heading\">Policy Administration\/Servicing<\/h4><\/a><\/li><li  role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-4f4ed8f4b068ef6b6fd\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-4f4ed8f4b068ef6b6fd\" href=\"#tab-4f4ed8f4b068ef6b6fd\"><h4 class=\"fusion-tab-heading\">Travel<\/h4><\/a><\/li><li  role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-0a965d50977cca2659f\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-0a965d50977cca2659f\" href=\"#tab-0a965d50977cca2659f\"><h4 class=\"fusion-tab-heading\">New Underwriter FAQ's<\/h4><\/a><\/li><li  role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-f39e80cf2c541182583\" aria-selected=\"false\" tabindex=\"-1\" id=\"fusion-tab-f39e80cf2c541182583\" href=\"#tab-f39e80cf2c541182583\"><h4 class=\"fusion-tab-heading\">2026 Broker Launch FAQ's<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-content\"><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\" role=\"tablist\" aria-orientation=\"horizontal\"><li class=\"active\" role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-cfc903af77a903d0d77\" aria-selected=\"true\" tabindex=\"0\" id=\"mobile-fusion-tab-cfc903af77a903d0d77\" href=\"#tab-cfc903af77a903d0d77\"><h4 class=\"fusion-tab-heading\">New Business<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix in active\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-cfc903af77a903d0d77\" id=\"tab-cfc903af77a903d0d77\"><div class=\"awb-tab-pane-inner\">\n<div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:15px;--awb-icon-alignment:left;--awb-hover-color:#3ac1cd;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#eae8e8;--awb-divider-hover-color:#eae8e8;--awb-icon-color:#ffffff;--awb-title-color:#c028b9;--awb-content-color:#000000;--awb-icon-box-color:#333333;--awb-toggle-hover-accent-color:#0096aa;--awb-toggle-active-accent-color:#0096aa;--awb-title-font-family:&quot;Roboto&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:18px;--awb-content-font-family:&quot;Roboto&quot;;--awb-content-font-style:normal;--awb-content-font-weight:300;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-1310-1\"><div class=\"fusion-panel panel-default panel-ee0b59bfd23dcf3b5 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_ee0b59bfd23dcf3b5\"><a aria-expanded=\"false\" aria-controls=\"ee0b59bfd23dcf3b5\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-1\" data-target=\"#ee0b59bfd23dcf3b5\" href=\"#ee0b59bfd23dcf3b5\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. If I transfer my existing Gap Cover policy to Turnberry would reduced waiting periods apply?<\/span><\/a><\/h4><\/div><div id=\"ee0b59bfd23dcf3b5\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_ee0b59bfd23dcf3b5\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A. If you have been on your existing Gap Cover policy for 3 months or longer and have not had a break in membership then reduced waiting periods will apply. Upon acceptance of your application a policy document will be sent to you, which will advise you of your reduced waiting periods.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-dabb38a0d1181d95d fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_dabb38a0d1181d95d\"><a aria-expanded=\"false\" aria-controls=\"dabb38a0d1181d95d\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-1\" data-target=\"#dabb38a0d1181d95d\" href=\"#dabb38a0d1181d95d\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. Can I transfer my existing Gap Cover policy to Turnberry?<\/span><\/a><\/h4><\/div><div id=\"dabb38a0d1181d95d\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_dabb38a0d1181d95d\"><div class=\"panel-body toggle-content fusion-clearfix\">A. Yes you can transfer your Gap Cover policy to Turnberry. In order to do so please complete a Turnberry application form and submit it with your existing Gap Cover policy document to Turnberry. Please note that you would be required to obtain financial advice from your Financial Advisor.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-dd9d946cae00680ee fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_dd9d946cae00680ee\"><a aria-expanded=\"false\" aria-controls=\"dd9d946cae00680ee\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-1\" data-target=\"#dd9d946cae00680ee\" href=\"#dd9d946cae00680ee\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. What waiting periods are applicable to my Turnberry Gap Cover policy?<\/span><\/a><\/h4><\/div><div id=\"dd9d946cae00680ee\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_dd9d946cae00680ee\"><div class=\"panel-body toggle-content fusion-clearfix\"><strong>A. The following waiting periods will apply from the date of inception if you have never had a Gap Cover policy previously:<\/strong><ul style=\"--awb-iconcolor:#0096aa;--awb-line-height:23.8px;--awb-icon-width:23.8px;--awb-icon-height:23.8px;--awb-icon-margin:9.8px;--awb-content-margin:33.6px;\" class=\"fusion-checklist fusion-checklist-1 fusion-checklist-default type-icons\"><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-check-circle fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p class=\"p1\">A 3-month general waiting period applies to all benefits, with exception of benefits providing cover up to 600% should the commencement of the Policy be in line with the commencement date of the Medical Scheme<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-check-circle fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p class=\"p1\">A 10-month waiting period on pregnancy\/childbirth<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-check-circle fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p class=\"p1\">A 12-month waiting period on \/ investigations, treatment or surgery for:<br \/>\nhysterectomy, hysteroscopies, endometriosis, ovarian cysts and fibroids (myomectomy), muscular-skeletal (except in the event of an accident, which occurred while on the Policy), tonsillectomy, myringotomy, grommets, adenoids, wisdom teeth, hernia, cataracts, gastroscopies, colonoscopies, cancer, nasal and sinus<\/p>\n<\/div><\/li><\/ul><\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-3c1efc71a49185635 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_3c1efc71a49185635\"><a aria-expanded=\"false\" aria-controls=\"3c1efc71a49185635\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-1\" data-target=\"#3c1efc71a49185635\" href=\"#3c1efc71a49185635\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. Can I add an extended family member onto my Turnberry Gap Cover Policy?<\/span><\/a><\/h4><\/div><div id=\"3c1efc71a49185635\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_3c1efc71a49185635\"><div class=\"panel-body toggle-content fusion-clearfix\">A. Definition of a \u201cfamily\u201d: means the principal insured person, eligible spouse, and eligible children, who have not attained the age of 26 years unless mentally or physically disabled and unable to earn any form of income. Any dependents falling under this definition are included at no additional cost. If you have an extended family member registered on your medical aid and they do not qualify in terms of our above de\ufb01nition of a family, you may add them onto your policy for an additional premium per month.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-017665b7453926a9e fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_017665b7453926a9e\"><a aria-expanded=\"false\" aria-controls=\"017665b7453926a9e\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-1\" data-target=\"#017665b7453926a9e\" href=\"#017665b7453926a9e\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. Who can be covered under my Turnberry Gap Cover Policy?<\/span><\/a><\/h4><\/div><div id=\"017665b7453926a9e\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_017665b7453926a9e\"><div class=\"panel-body toggle-content fusion-clearfix\">A. Turnberry\u2019s premiums are per family per month. A Family is defined as the principal insured person, the eligible spouse, and eligible children, who have not attained the age of 26 years, unless mentally or physically disabled and unable to earn any form of income. Any dependents falling under this de\ufb01nition are included at no additional cost.<\/div><\/div><\/div><\/div><\/div>\n<p class=\"p1\"><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-flag fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\"><\/div><\/li>Please note that the products displayed in this brochure are not a medical scheme and the cover is not equivalent to that of a medical scheme. Medical scheme cover is a prerequisite for this cover. These products are complementary to a medical aid scheme and are not a substitute for medical scheme membership.<\/p>\n<p class=\"p2\"><i>Disclaimer: This document is a summary for information purposes only and does not supersede the policy terms and conditions. In the event of any discrepancy, the policy, terms and conditions will prevail. Underwritten by Lombard Insurance Company Limited.<\/i><\/p>\n<\/div><\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\" role=\"tablist\" aria-orientation=\"horizontal\"><li  role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-011d90349fccc717d32\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-011d90349fccc717d32\" href=\"#tab-011d90349fccc717d32\"><h4 class=\"fusion-tab-heading\">Claims<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-011d90349fccc717d32\" id=\"tab-011d90349fccc717d32\"><div class=\"awb-tab-pane-inner\">\n<div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:15px;--awb-icon-alignment:left;--awb-hover-color:#f9f9f9;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#eae8e8;--awb-divider-hover-color:#eae8e8;--awb-icon-color:#ffffff;--awb-title-color:#c028b9;--awb-content-color:#000000;--awb-icon-box-color:#333333;--awb-toggle-hover-accent-color:#0096aa;--awb-toggle-active-accent-color:#0096aa;--awb-title-font-family:&quot;Roboto&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:18px;--awb-content-font-family:&quot;Roboto&quot;;--awb-content-font-style:normal;--awb-content-font-weight:300;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-1310-2\"><div class=\"fusion-panel panel-default panel-b71f9a5acd675ae39 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_b71f9a5acd675ae39\"><a aria-expanded=\"false\" aria-controls=\"b71f9a5acd675ae39\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-2\" data-target=\"#b71f9a5acd675ae39\" href=\"#b71f9a5acd675ae39\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. Can my Gap Cover claim be processed and paid prior to the procedure?<\/span><\/a><\/h4><\/div><div id=\"b71f9a5acd675ae39\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_b71f9a5acd675ae39\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A. No. A claim may only be submitted after the procedure has been performed.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-5ca1f55d8e6620037 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_5ca1f55d8e6620037\"><a aria-expanded=\"false\" aria-controls=\"5ca1f55d8e6620037\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-2\" data-target=\"#5ca1f55d8e6620037\" href=\"#5ca1f55d8e6620037\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. Is it possible for Turnberry to pay the Medical Service Provider?<\/span><\/a><\/h4><\/div><div id=\"5ca1f55d8e6620037\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_5ca1f55d8e6620037\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A. No. Legislation does not permit us to pay Medical Service Providers. Further, it is advisable for you not to tell your Medical Service Provider that you have a Gap Cover policy. We have incidences where providers have charged higher rates than they would otherwise have, which will have a detrimental effect on future premium rates. There are some providers that ask the question on their forms, again you are not required to disclose this information. A Gap Cover contract is between you, the client, and the insurer. No other person or institution has a right to know whether you have a contract or not.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-01151ae3db5967e54 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_01151ae3db5967e54\"><a aria-expanded=\"false\" aria-controls=\"01151ae3db5967e54\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-2\" data-target=\"#01151ae3db5967e54\" href=\"#01151ae3db5967e54\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. How long do I have to submit a Gap Cover claim to Turnberry?<\/span><\/a><\/h4><\/div><div id=\"01151ae3db5967e54\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_01151ae3db5967e54\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A. You have 5 months to provide written notice from the date of treatment of a pending claim. Outstanding documentation needs to be submitted within 90 days from the date, outstanding documentation is requested by Turnberry.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-71882cf2890f4fb9c fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_71882cf2890f4fb9c\"><a aria-expanded=\"false\" aria-controls=\"71882cf2890f4fb9c\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-2\" data-target=\"#71882cf2890f4fb9c\" href=\"#71882cf2890f4fb9c\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. Once my Gap Cover claim has been assessed and a payment is made, how long will it take for the amount to reflect in my account?<\/span><\/a><\/h4><\/div><div id=\"71882cf2890f4fb9c\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_71882cf2890f4fb9c\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A. When the payment will reflect in your account generally depends on with whom you bank. The time varies from 1 to 3 working days. In addition, Turnberry will send you a claim statement, which will provide details of your claim and the amount that will be paid into your account.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-b4626ec8970c4f7bc fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_b4626ec8970c4f7bc\"><a aria-expanded=\"false\" aria-controls=\"b4626ec8970c4f7bc\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-2\" data-target=\"#b4626ec8970c4f7bc\" href=\"#b4626ec8970c4f7bc\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. How long will it take for Turnberry to settle my Gap Cover claim?<\/span><\/a><\/h4><\/div><div id=\"b4626ec8970c4f7bc\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_b4626ec8970c4f7bc\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A. Upon receipt of all the required documentation it will take, 5 to 10 working days for the claim to be finalised.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-71cf9db8c6ecfb770 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_71cf9db8c6ecfb770\"><a aria-expanded=\"false\" aria-controls=\"71cf9db8c6ecfb770\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-2\" data-target=\"#71cf9db8c6ecfb770\" href=\"#71cf9db8c6ecfb770\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. Where can I obtain a Turnberry Gap Cover claim form?<\/span><\/a><\/h4><\/div><div id=\"71cf9db8c6ecfb770\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_71cf9db8c6ecfb770\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A. You can obtain a claim form by clicking on this link, under <a href=\"https:\/\/turnberry.co.za\/2027\/documents-and-forms\/?preview_id=3285&amp;preview_nonce=4ce2b54274&amp;_thumbnail_id=-1&amp;preview=true\">document downloads<\/a> on our website or you can complete our <a href=\"https:\/\/turnberry.co.za\/2027\/claim-form\/?preview_id=2790&amp;preview_nonce=f27a789176&amp;_thumbnail_id=-1&amp;preview=true\">online claim form<\/a>.\u00a0 Should you require additional assistance you can contact us on 011 677 9891.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-5c6d2ca34e9297e2c fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_5c6d2ca34e9297e2c\"><a aria-expanded=\"false\" aria-controls=\"5c6d2ca34e9297e2c\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-2\" data-target=\"#5c6d2ca34e9297e2c\" href=\"#5c6d2ca34e9297e2c\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. What documentation do I need to submit when I have a Gap Cover claim?<\/span><\/a><\/h4><\/div><div id=\"5c6d2ca34e9297e2c\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_5c6d2ca34e9297e2c\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A. You will be required to submit the following documents \u2013<\/p>\n<ul>\n<li>Turnberry\u2019s claim form.<\/li>\n<li>Medical Aid statement reflecting the transactions processed by the Medical Service Provider for which you are claiming, as well as the transactions your Medical Aid has processed from your hospital account.<\/li>\n<li>Invoices from the Medical Service Providers for whom you are claiming.<\/li>\n<li>Hospital account for the period you were hospitalised.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\" role=\"tablist\" aria-orientation=\"horizontal\"><li  role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-9bb4a7667291e5d1822\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-9bb4a7667291e5d1822\" href=\"#tab-9bb4a7667291e5d1822\"><h4 class=\"fusion-tab-heading\">Policy Administration\/Servicing<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-9bb4a7667291e5d1822\" id=\"tab-9bb4a7667291e5d1822\"><div class=\"awb-tab-pane-inner\"><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:15px;--awb-icon-alignment:left;--awb-hover-color:#f9f9f9;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#eae8e8;--awb-divider-hover-color:#eae8e8;--awb-icon-color:#ffffff;--awb-title-color:#c028b9;--awb-content-color:#000000;--awb-icon-box-color:#333333;--awb-toggle-hover-accent-color:#0096aa;--awb-toggle-active-accent-color:#0096aa;--awb-title-font-family:&quot;Roboto&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:18px;--awb-content-font-family:&quot;Roboto&quot;;--awb-content-font-style:normal;--awb-content-font-weight:300;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-1310-3\"><div class=\"fusion-panel panel-default panel-1063e1edc1379823f fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_1063e1edc1379823f\"><a aria-expanded=\"false\" aria-controls=\"1063e1edc1379823f\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-3\" data-target=\"#1063e1edc1379823f\" href=\"#1063e1edc1379823f\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q: How do I change my banking details for my Turnberry Gap Cover policy?<\/span><\/a><\/h4><\/div><div id=\"1063e1edc1379823f\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_1063e1edc1379823f\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A: A signed debit order authorisation form must be completed and returned to us. We will also accept a written instruction from the client giving us the new banking details.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-f4004d96c82fb5791 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_f4004d96c82fb5791\"><a aria-expanded=\"false\" aria-controls=\"f4004d96c82fb5791\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-3\" data-target=\"#f4004d96c82fb5791\" href=\"#f4004d96c82fb5791\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. How do I change my debit order date for my Turnberry Gap Cover policy?<\/span><\/a><\/h4><\/div><div id=\"f4004d96c82fb5791\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_f4004d96c82fb5791\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p><strong>A: <\/strong>A debit order authorisation form would need to be completed. The available debit order dates are the 1<sup>st<\/sup>, 7<sup>th<\/sup>, 15<sup>th<\/sup> and 25<sup>th<\/sup>.\u00a0 Should the collection date selected fall on a weekend or public holiday, a debit will be processed against your account on the first working day following the weekend or public holiday.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-7365a1d7f8cfdbdd4 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_7365a1d7f8cfdbdd4\"><a aria-expanded=\"false\" aria-controls=\"7365a1d7f8cfdbdd4\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-3\" data-target=\"#7365a1d7f8cfdbdd4\" href=\"#7365a1d7f8cfdbdd4\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. We have changed Medical Aid membership and the medical aid is now in the name of my spouse\/partner. Should the principle insured person on our Turnberry Gap Cover policy be changed as well?<\/span><\/a><\/h4><\/div><div id=\"7365a1d7f8cfdbdd4\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_7365a1d7f8cfdbdd4\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A: No, the change in membership will not affect your policy benefits. Either spouse may be the owner on the policy.<br \/>\nWe will however require the new medical aid details in order to update our records. (Please speak to your financial advisor to ensure your policy is still appropriate for your medical aid option).<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-ffa508f019dc4af14 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_ffa508f019dc4af14\"><a aria-expanded=\"false\" aria-controls=\"ffa508f019dc4af14\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-3\" data-target=\"#ffa508f019dc4af14\" href=\"#ffa508f019dc4af14\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. If I was hospitalised during the period of non-payment will Turnberry pay my claim if I reinstate my policy?<\/span><\/a><\/h4><\/div><div id=\"ffa508f019dc4af14\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_ffa508f019dc4af14\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A. No. The policy terms and conditions require that premiums are paid by the due date. Turnberry will likely reject your application for reinstatement and then you will need to apply for a new policy, which will be subject to all the contractual waiting periods. If Turnberry do decide to accept your application for reinstatement it will be on condition that no benefits will be paid for any hospitalisation during the period of non-payment and any other terms and conditions Turnberry may decide to impose.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-b75e4a103fc3b2f40 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_b75e4a103fc3b2f40\"><a aria-expanded=\"false\" aria-controls=\"b75e4a103fc3b2f40\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-3\" data-target=\"#b75e4a103fc3b2f40\" href=\"#b75e4a103fc3b2f40\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. My Turnberry Gap Cover policy has lapsed. How do I reinstate my Gap Cover policy again?<\/span><\/a><\/h4><\/div><div id=\"b75e4a103fc3b2f40\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_b75e4a103fc3b2f40\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A: A reinstatement application form must be completed and the request for reinstatement will be underwritten. Once our underwriters have agreed to the reinstatement the policy owner will be notified and proof of payment of the arrear premiums will be required. Cover will only recommence on written acceptance and the payment of the arrear premiums.<\/p>\n<p>If the policy has been in a state of lapse or cancelled for more than three months a new application form will generally be requested.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-e20408d86da4b8c90 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_e20408d86da4b8c90\"><a aria-expanded=\"false\" aria-controls=\"e20408d86da4b8c90\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-3\" data-target=\"#e20408d86da4b8c90\" href=\"#e20408d86da4b8c90\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. How do I go about upgrading my existing Turnberry Gap Cover Policy?<\/span><\/a><\/h4><\/div><div id=\"e20408d86da4b8c90\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_e20408d86da4b8c90\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A: The principle insured person would be required to complete an upgrade form. Existing benefits will not be affected and will not have any new waiting periods. Any new benefits will be subject to waiting periods. Please discuss any material changes that could affect your cover with your financial advisor.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-fadab5e5898d85d29 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_fadab5e5898d85d29\"><a aria-expanded=\"false\" aria-controls=\"fadab5e5898d85d29\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-3\" data-target=\"#fadab5e5898d85d29\" href=\"#fadab5e5898d85d29\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. How do I register my newborn baby or another member of my family as a dependant on my Turnberry Gap Cover policy?<\/span><\/a><\/h4><\/div><div id=\"fadab5e5898d85d29\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_fadab5e5898d85d29\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A: The baby will be covered from date of birth under the Gap Cover policy. To initiate the cover for the baby the principle insured person needs to complete a dependent addition form. Please note, A newborn must be added onto the Policy within 90 days, from the date of birth, in order to avoid waiting periods.<\/p>\n<p>If an older child or adult dependent is added, the addition of the new member will be subject to waiting periods.<\/p>\n<p>Once the baby or new dependent is added, an amended Policy Document will be issued as confirmation of the change.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\" role=\"tablist\" aria-orientation=\"horizontal\"><li  role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-4f4ed8f4b068ef6b6fd\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-4f4ed8f4b068ef6b6fd\" href=\"#tab-4f4ed8f4b068ef6b6fd\"><h4 class=\"fusion-tab-heading\">Travel<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-4f4ed8f4b068ef6b6fd\" id=\"tab-4f4ed8f4b068ef6b6fd\"><div class=\"awb-tab-pane-inner\">\n<div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:15px;--awb-icon-alignment:left;--awb-hover-color:#f9f9f9;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#eae8e8;--awb-divider-hover-color:#eae8e8;--awb-icon-color:#ffffff;--awb-title-color:#c028b9;--awb-content-color:#000000;--awb-icon-box-color:#333333;--awb-toggle-hover-accent-color:#0096aa;--awb-toggle-active-accent-color:#0096aa;--awb-title-font-family:&quot;Roboto&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:18px;--awb-content-font-family:&quot;Roboto&quot;;--awb-content-font-style:normal;--awb-content-font-weight:300;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-1310-4\"><div class=\"fusion-panel panel-default panel-481da414cdedf8a2b fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_481da414cdedf8a2b\"><a aria-expanded=\"false\" aria-controls=\"481da414cdedf8a2b\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-4\" data-target=\"#481da414cdedf8a2b\" href=\"#481da414cdedf8a2b\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. Will I be covered for any pre-existing conditions?<\/span><\/a><\/h4><\/div><div id=\"481da414cdedf8a2b\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_481da414cdedf8a2b\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A. The standard policy offers travel cover of R5 000 000 per insured for emergency medical expenses and does not cover pre\u2013existing medical conditions. Should you require travel cover for pre-existing medical conditions we do offer top-up cover for an additional rate.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-3c31b39cba8f22318 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_3c31b39cba8f22318\"><a aria-expanded=\"false\" aria-controls=\"3c31b39cba8f22318\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-4\" data-target=\"#3c31b39cba8f22318\" href=\"#3c31b39cba8f22318\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. What do I do in the event of an emergency that requires hospitalisation or evacuation?<\/span><\/a><\/h4><\/div><div id=\"3c31b39cba8f22318\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_3c31b39cba8f22318\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A. The MSO contact number is available on all Travel Insurance policies. You need to contact them in the event of any emergency (other than a general GP visit). They will take care of all necessary arrangements to ensure you receive the best treatment possible.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-f1b3ea2928507a408 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_f1b3ea2928507a408\"><a aria-expanded=\"false\" aria-controls=\"f1b3ea2928507a408\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-4\" data-target=\"#f1b3ea2928507a408\" href=\"#f1b3ea2928507a408\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. Am I covered if I work in another country?<\/span><\/a><\/h4><\/div><div id=\"f1b3ea2928507a408\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_f1b3ea2928507a408\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A. For short business trips the free travel cover is the ideal product to have when travelling. It is however important to note that the aim of the product is to provide free leisure travel insurance. The terms and conditions of the policy excludes manual labour as well as things such as off-shore drilling, being part of an airline crew and specialised sports events on a professional level. Please refer to the TIC policy terms and conditions appendix for more information. You may contact Gordene to obtain a travel quote or policy specifically suited to your needs.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-247d918a3bd793b2c fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_247d918a3bd793b2c\"><a aria-expanded=\"false\" aria-controls=\"247d918a3bd793b2c\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-4\" data-target=\"#247d918a3bd793b2c\" href=\"#247d918a3bd793b2c\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. What if I am travelling for more than 90 days?<\/span><\/a><\/h4><\/div><div id=\"247d918a3bd793b2c\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_247d918a3bd793b2c\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A. The maximum length of your free International Travel cover is 90 days. You may purchase an additional leisure travel insurance policy from TIC in order to extend your cover until you return to South Africa. Should you require cover for more than 90 days, please email <a href=\"mailto:gordenes@turnberry.co.za\">gordenes@turnberry.co.za<\/a> or phone 011 677 9891 in order to obtain a quote.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-4dcb78f7d78398420 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_4dcb78f7d78398420\"><a aria-expanded=\"false\" aria-controls=\"4dcb78f7d78398420\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-4\" data-target=\"#4dcb78f7d78398420\" href=\"#4dcb78f7d78398420\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. Am I covered when travelling outside of South Africa?<\/span><\/a><\/h4><\/div><div id=\"4dcb78f7d78398420\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_4dcb78f7d78398420\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A. You will have cover for each trip outside of South Africa provided that you have completed the application form and have been issued a travel insurance policy for the particular trip.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-22c5dfaa42da52a30 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_22c5dfaa42da52a30\"><a aria-expanded=\"false\" aria-controls=\"22c5dfaa42da52a30\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-4\" data-target=\"#22c5dfaa42da52a30\" href=\"#22c5dfaa42da52a30\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. How long does it take to obtain a Travel Certificate?<\/span><\/a><\/h4><\/div><div id=\"22c5dfaa42da52a30\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_22c5dfaa42da52a30\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A. The turnaround time for Travel Certificates to be issued is 2 working days.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-0a942627fbdf0b745 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_0a942627fbdf0b745\"><a aria-expanded=\"false\" aria-controls=\"0a942627fbdf0b745\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-4\" data-target=\"#0a942627fbdf0b745\" href=\"#0a942627fbdf0b745\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. What do I need to do if I am going overseas? Do I automatically qualify for the international travel benefit when I travel?<\/span><\/a><\/h4><\/div><div id=\"0a942627fbdf0b745\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_0a942627fbdf0b745\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A. Prior to each trip outside of the borders of South Africa, a Travel Insurance Application form needs to be completed and sent to <a href=\"mailto:gordenes@turnberry.co.za\">gordenes@turnberry.co.za<\/a> or 011 677 9891 in order for a certificate of travel to be issued. This has to be done for each and every trip.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\" role=\"tablist\" aria-orientation=\"horizontal\"><li  role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-0a965d50977cca2659f\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-0a965d50977cca2659f\" href=\"#tab-0a965d50977cca2659f\"><h4 class=\"fusion-tab-heading\">New Underwriter FAQ's<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-0a965d50977cca2659f\" id=\"tab-0a965d50977cca2659f\"><div class=\"awb-tab-pane-inner\"><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:15px;--awb-icon-alignment:left;--awb-hover-color:#f9f9f9;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#eae8e8;--awb-divider-hover-color:#eae8e8;--awb-icon-color:#ffffff;--awb-title-color:#c028b9;--awb-content-color:#000000;--awb-icon-box-color:#333333;--awb-toggle-hover-accent-color:#0096aa;--awb-toggle-active-accent-color:#0096aa;--awb-title-font-family:&quot;Roboto&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:18px;--awb-content-font-family:&quot;Roboto&quot;;--awb-content-font-style:normal;--awb-content-font-weight:300;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-1310-5\"><div class=\"fusion-panel panel-default panel-56ecdf0708ca5f036 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_56ecdf0708ca5f036\"><a aria-expanded=\"false\" aria-controls=\"56ecdf0708ca5f036\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-5\" data-target=\"#56ecdf0708ca5f036\" href=\"#56ecdf0708ca5f036\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. Why has Turnberry moved to Lombard?<\/span><\/a><\/h4><\/div><div id=\"56ecdf0708ca5f036\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_56ecdf0708ca5f036\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<ul>\n<li>In the dynamic healthcare environment the alignment to Lombard will provide Turnberry with a competitive pricing structure going forward.<\/li>\n<li>Lombard will provide both operational and strategic synergies to assist in the growth of Turnberry\u2019s business and development of exciting new benefits.<\/li>\n<li>Turnberry will be the Medical Gap Insurance Specialists for Lombard and will not be competing for Gap Cover business with other Lombard providers.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"nav fusion-mobile-tab-nav\"><ul class=\"nav-tabs nav-justified\" role=\"tablist\" aria-orientation=\"horizontal\"><li  role=\"presentation\"><a class=\"tab-link\" data-toggle=\"tab\" role=\"tab\" aria-controls=\"tab-f39e80cf2c541182583\" aria-selected=\"false\" tabindex=\"-1\" id=\"mobile-fusion-tab-f39e80cf2c541182583\" href=\"#tab-f39e80cf2c541182583\"><h4 class=\"fusion-tab-heading\">2026 Broker Launch FAQ's<\/h4><\/a><\/li><\/ul><\/div><div class=\"tab-pane fade fusion-clearfix\" role=\"tabpanel\" tabindex=\"0\" aria-labelledby=\"fusion-tab-f39e80cf2c541182583\" id=\"tab-f39e80cf2c541182583\"><div class=\"awb-tab-pane-inner\"><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:15px;--awb-icon-alignment:left;--awb-hover-color:#f9f9f9;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#eae8e8;--awb-divider-hover-color:#eae8e8;--awb-icon-color:#ffffff;--awb-title-color:#c028b9;--awb-content-color:#000000;--awb-icon-box-color:#333333;--awb-toggle-hover-accent-color:#0096aa;--awb-toggle-active-accent-color:#0096aa;--awb-title-font-family:&quot;Roboto&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:18px;--awb-content-font-family:&quot;Roboto&quot;;--awb-content-font-style:normal;--awb-content-font-weight:300;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-1310-6\"><div class=\"fusion-panel panel-default panel-af570b1d5053492bd fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_af570b1d5053492bd\"><a aria-expanded=\"false\" aria-controls=\"af570b1d5053492bd\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-6\" data-target=\"#af570b1d5053492bd\" href=\"#af570b1d5053492bd\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. The screening benefit for scopes limited to one every 5 yrs. Is this if the medical aid does not pay? If a client has a scope annually and auth is given, a co-payment is imposed, that is covered under co payments? <\/span><\/a><\/h4><\/div><div id=\"af570b1d5053492bd\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_af570b1d5053492bd\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A. There has to be a benefit from the medical aid\u2019s risk benefit for scopes.<br \/>\nWhen a scope is medically necessary (a client is experiencing symptoms for example stomach pain) and it is part funded from the medical scheme\u2019s risk benefit then co-payments and medical expenses shortfalls are reviewed under co-payment cover and medical private rate cover.<br \/>\nShould a scope be performed for screening purposes (for example the client is not experiencing symptoms but is over 60 and their doctor recommends it for precautionary measures) then it is reviewed from Investigative Treatment benefit.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:15px;--awb-icon-alignment:left;--awb-hover-color:#f9f9f9;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#eae8e8;--awb-divider-hover-color:#eae8e8;--awb-icon-color:#ffffff;--awb-title-color:#c028b9;--awb-content-color:#000000;--awb-icon-box-color:#333333;--awb-toggle-hover-accent-color:#0096aa;--awb-toggle-active-accent-color:#0096aa;--awb-title-font-family:&quot;Roboto&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:18px;--awb-content-font-family:&quot;Roboto&quot;;--awb-content-font-style:normal;--awb-content-font-weight:300;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-1310-7\"><div class=\"fusion-panel panel-default panel-aaebddcbf1697aa22 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_aaebddcbf1697aa22\"><a aria-expanded=\"false\" aria-controls=\"aaebddcbf1697aa22\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-7\" data-target=\"#aaebddcbf1697aa22\" href=\"#aaebddcbf1697aa22\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. You specify that Optimal covers the 20% co-payment on oncology, does Premier not cover that? <\/span><\/a><\/h4><\/div><div id=\"aaebddcbf1697aa22\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_aaebddcbf1697aa22\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A. Once a client\u2019s oncology benefit is exhausted on their medical aid, a medical aid may either:<br \/>\ni. only offer cover for PMB\u2019s going forward and the member needs to pay for the full cost of non-PMB treatment<br \/>\nii. Continue to fund for the cost of the treatment but apply a 20% co-payment that the member needs to pay.<br \/>\nPremier offers Traditional Cancer Cover in both scenarios where as Optimal only offers Traditional Cancer Cover in scenario 2<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:15px;--awb-icon-alignment:left;--awb-hover-color:#f9f9f9;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#eae8e8;--awb-divider-hover-color:#eae8e8;--awb-icon-color:#ffffff;--awb-title-color:#c028b9;--awb-content-color:#000000;--awb-icon-box-color:#333333;--awb-toggle-hover-accent-color:#0096aa;--awb-toggle-active-accent-color:#0096aa;--awb-title-font-family:&quot;Roboto&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:18px;--awb-content-font-family:&quot;Roboto&quot;;--awb-content-font-style:normal;--awb-content-font-weight:300;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-1310-8\"><div class=\"fusion-panel panel-default panel-92aedceabdbe51c10 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_92aedceabdbe51c10\"><a aria-expanded=\"false\" aria-controls=\"92aedceabdbe51c10\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-8\" data-target=\"#92aedceabdbe51c10\" href=\"#92aedceabdbe51c10\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. Please confirm about Premier Youth age being 26 years old? <\/span><\/a><\/h4><\/div><div id=\"92aedceabdbe51c10\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_92aedceabdbe51c10\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A. Premier Youth is offered up to the age of 26 years. The premium is per family per month which is defined as Principal Insured person, spouse and children. Should a person take out the Premier Youth option, when they turn over 26 years of age they may remain on the option.<br \/>\nIt is important to note that should we receive a request to add a spouse onto the product and they are over the age of 26 years and the Principal Insured person is under the age of 26 years, they will be moved to the Premier option<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:15px;--awb-icon-alignment:left;--awb-hover-color:#f9f9f9;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#eae8e8;--awb-divider-hover-color:#eae8e8;--awb-icon-color:#ffffff;--awb-title-color:#c028b9;--awb-content-color:#000000;--awb-icon-box-color:#333333;--awb-toggle-hover-accent-color:#0096aa;--awb-toggle-active-accent-color:#0096aa;--awb-title-font-family:&quot;Roboto&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:18px;--awb-content-font-family:&quot;Roboto&quot;;--awb-content-font-style:normal;--awb-content-font-weight:300;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-1310-9\"><div class=\"fusion-panel panel-default panel-38acd092116cad1b0 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_38acd092116cad1b0\"><a aria-expanded=\"false\" aria-controls=\"38acd092116cad1b0\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-9\" data-target=\"#38acd092116cad1b0\" href=\"#38acd092116cad1b0\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. Please confirm on the Dynamic option, children added on medical aid as a main member under the age of 29, can their parents (not on the medical aid) add their child on this option? <\/span><\/a><\/h4><\/div><div id=\"38acd092116cad1b0\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_38acd092116cad1b0\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A. Yes. Where a child is a Principal Insured person on a medical aid they may take out any of Turnberry\u2019s options<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:15px;--awb-icon-alignment:left;--awb-hover-color:#f9f9f9;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#eae8e8;--awb-divider-hover-color:#eae8e8;--awb-icon-color:#ffffff;--awb-title-color:#c028b9;--awb-content-color:#000000;--awb-icon-box-color:#333333;--awb-toggle-hover-accent-color:#0096aa;--awb-toggle-active-accent-color:#0096aa;--awb-title-font-family:&quot;Roboto&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:18px;--awb-content-font-family:&quot;Roboto&quot;;--awb-content-font-style:normal;--awb-content-font-weight:300;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-1310-10\"><div class=\"fusion-panel panel-default panel-b44fb7d69fd994e82 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_b44fb7d69fd994e82\"><a aria-expanded=\"false\" aria-controls=\"b44fb7d69fd994e82\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-10\" data-target=\"#b44fb7d69fd994e82\" href=\"#b44fb7d69fd994e82\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. Why are there no individual rates for optimal and synergy? <\/span><\/a><\/h4><\/div><div id=\"b44fb7d69fd994e82\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_b44fb7d69fd994e82\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A. We have offered the Dynamic product for the 2026 year which is a combination of both products<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:15px;--awb-icon-alignment:left;--awb-hover-color:#f9f9f9;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#eae8e8;--awb-divider-hover-color:#eae8e8;--awb-icon-color:#ffffff;--awb-title-color:#c028b9;--awb-content-color:#000000;--awb-icon-box-color:#333333;--awb-toggle-hover-accent-color:#0096aa;--awb-toggle-active-accent-color:#0096aa;--awb-title-font-family:&quot;Roboto&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:18px;--awb-content-font-family:&quot;Roboto&quot;;--awb-content-font-style:normal;--awb-content-font-weight:300;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-1310-11\"><div class=\"fusion-panel panel-default panel-4bb4cfe893a6be748 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_4bb4cfe893a6be748\"><a aria-expanded=\"false\" aria-controls=\"4bb4cfe893a6be748\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-1310-11\" data-target=\"#4bb4cfe893a6be748\" href=\"#4bb4cfe893a6be748\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Q. On the premier option Youth premium is for under 26 - if husband and wife of couple is below 26 - is premium for both or only for one person R315pm <\/span><\/a><\/h4><\/div><div id=\"4bb4cfe893a6be748\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_4bb4cfe893a6be748\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A. The premium is per family per month which is defined as Principal Insured person, spouse and children. Should a person take out the Premier Youth option, when they turn over 26 years of age they may remain on the option.<br \/>\nIt is important to note that should we receive a request to add a spouse onto the product and they are over the age of 26 years and the Principal Insured person is under the age of 26 years, they will be moved to the Premier option<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-1310","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FAQs: Frequently Asked Questions | Turnberry<\/title>\n<meta name=\"description\" content=\"Everything you need to know about medical aid and gap cover to help you make the right decision in the process - We answer all your FAQs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/turnberry.co.za\/faqs\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FAQs: Frequently Asked Questions | Turnberry\" \/>\n<meta property=\"og:description\" content=\"Everything you need to know about medical aid and gap cover to help you make the right decision in the process - We answer all your FAQs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/turnberry.co.za\/faqs\/\" \/>\n<meta property=\"og:site_name\" content=\"Turnberry\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-05T16:34:03+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"12 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/turnberry.co.za\\\/faqs\\\/\",\"url\":\"https:\\\/\\\/turnberry.co.za\\\/faqs\\\/\",\"name\":\"FAQs: Frequently Asked Questions | Turnberry\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/turnberry.co.za\\\/#website\"},\"datePublished\":\"2017-10-04T09:10:09+00:00\",\"dateModified\":\"2025-11-05T16:34:03+00:00\",\"description\":\"Everything you need to know about medical aid and gap cover to help you make the right decision in the process - 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