{"id":3087,"date":"2019-09-04T14:15:07","date_gmt":"2019-09-04T14:15:07","guid":{"rendered":"https:\/\/turnberry.co.za\/2023\/?page_id=3087"},"modified":"2026-09-29T14:42:52","modified_gmt":"2026-09-29T14:42:52","slug":"synergy","status":"publish","type":"page","link":"https:\/\/turnberry.co.za\/2027\/synergy\/","title":{"rendered":"Synergy"},"content":{"rendered":"

2026
\nMonthly premium: R494 per family for under 65yrs<\/strong><\/span>
\nMonthly premium: R688 per family for 65yrs+<\/strong><\/span><\/p>\n

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%, and caters for the likes of sub-limits, casualty benefits and co-payments.<\/span><\/strong><\/p>\n

Download Brochure 2026<\/a> | Comparison Table<\/a> | Product Summary<\/a><\/span><\/p>\n<\/div>

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2027
\nMonthly premium: R545 per family for under 65yrs<\/strong><\/span>
\nMonthly premium: R750 per family for 65yrs+<\/strong><\/span><\/p>\n

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%, and caters for the likes of sub-limits, casualty benefits and co-payments.<\/span><\/strong><\/p>\n

Download Brochure 2027<\/a> | Comparison Table<\/a> | Product Summary<\/a><\/span><\/p>\n<\/div>

<\/div><\/div><\/div><\/div><\/div>

Increase in the OAL (Overall Annual Limit) \u2013 effective 1st April 2025<\/strong><\/span>
\nNational 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.\u00a0 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.<\/span><\/p>\n<\/div>\n

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Benefits<\/h2><\/div>\n
\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
<\/td>\n<\/td>\nSynergy 2026<\/td>\nSynergy 2027<\/td>\n<\/tr>\n
<\/td>\n<\/td>\nMonthly premium: R494 per family for under 65yrs Monthly premium: R688 per family for 65yrs+<\/em><\/td>\nMonthly premium: R545 per family for under 65yrs Monthly premium: R750 per family for 65yrs+<\/em><\/td>\n<\/tr>\n
In-hospital benefits<\/td>\nMedical Expense Shortfall Cover<\/td>\nIncreases the Medical Aid rate up to 500%. Subject to OAL<\/td>\nIncreases the Medical Aid rate up to 500%. Subject to OAL<\/td>\n<\/tr>\n
Co-payment Cover<\/td>\nSubject to OAL<\/td>\nSubject to OAL<\/td>\n<\/tr>\n
Non-DSP Hospital Penalty Cover<\/td>\nR11500 per admission. Limited to 1 claim per family per annum and subject to OAL<\/td>\nR12500 per admission. Limited to 1 claim per family per annum and subject to OAL<\/td>\n<\/tr>\n
Sub-limit Cover<\/td>\nR36000 per admission per insured. Limited to R75000 per family per annum. Subject to the OAL<\/td>\nR38000 per admission per insured. Limited to R77000 per family per annum. Subject to the OAL<\/td>\n<\/tr>\n
In-hospital and out-of hospital Benefits<\/td>\nMRI and CT scan Cover<\/td>\nCovers the cost of MRI and CT scans when there is no benefit available on your Medical Scheme. Limited to R6000 per event and 1 claim per family per annum. Subject to OAL<\/td>\nCovers the cost of MRI and CT scans when there is no benefit available on your Medical Scheme. Limited to R6500 per event and 1 claim per family per annum. Subject to OAL<\/td>\n<\/tr>\n
Trauma Counselling Cover<\/td>\nCovers the cost of trauma counselling consultations with a registered healthcare provider after a member has been diagnosed with a critical illness, a victim of a violent crime or experienced the death of an immediate family member. Limited to R3300 per consultation and R6500 per family per annum. Subject to OAL<\/td>\nCovers the cost of trauma counselling consultations with a registered healthcare provider after a member has been diagnosed with a critical illness, a victim of a violent crime or experienced the death of an immediate family member. Limited to R3600 per consultation and R7000 per family per annum. Subject to OAL<\/td>\n<\/tr>\n
Out-of hospital benefits<\/td>\nCo-payments for MRI, CT and PET scans<\/td>\nSubject to OAL<\/td>\nSubject to OAL<\/td>\n<\/tr>\n
Co-payments for Scopes<\/td>\nR6500 per admission. Limited to 2 claims per insured per annum. Subject to OAL.<\/td>\nR7000 per admission. Limited to 2 claims per insured per annum. Subject to OAL.<\/td>\n<\/tr>\n
Sub-limit Cover for MRI, CT and PET scans<\/td>\nR36000 per event per insured. Limited to R72000 per family per annum. Subject to the OAL<\/td>\nR38000 per event per insured. Limited to R77000 per family per annum. Subject to the OAL<\/td>\n<\/tr>\n
Casualty Benefit for Accidents<\/td>\nR13000 per event per insured. Subject to OAL<\/td>\nR14000 per event per insured. Subject to OAL<\/td>\n<\/tr>\n
Casualty Benefit for Illness<\/td>\nR4400 per event. Limited to 2 claims per family per annum. Subject to OAL. Treatment is restricted to between the hours of 6pm – 6am Mondays to Fridays, Saturdays, Sundays and Public Holidays<\/td>\nR4800 per event. Limited to 2 claims per family per annum. Subject to OAL. Treatment is restricted to between the hours of 6pm – 6am Mondays to Fridays, Saturdays, Sundays and Public Holidays<\/td>\n<\/tr>\n
Added benefits<\/td>\nMedical Scheme Contribution Waiver<\/td>\nUp to R8200 per month for 6 months; in the event of death or permanent and total disability as a result of an accident, of the Medical Scheme Contribution Payer<\/td>\nUp to R9000 per month for 6 months; in the event of death or permanent and total disability as a result of an accident, of the Medical Scheme Contribution Payer<\/td>\n<\/tr>\n
Gap Premium Waiver<\/td>\nPays the premium for your policy for 12 months in the event of death or permanent and total disability as a result of an accident, of the Contribution Payer<\/td>\nPays the premium for your policy for 12 months in the event of death or permanent and total disability as a result of an accident, of the Contribution Payer<\/td>\n<\/tr>\n
Personal Accident Benefit<\/td>\nR14500 per insured on the policy in the event of accidental death and permanent and total disability<\/td>\nR16000 per insured on the policy in the event of accidental death and permanent and total disability<\/td>\n<\/tr>\n
International Travel Cover<\/td>\nR5 million per insured (notification of travel required 48 hrs prior to departure)<\/td>\nR5 million per insured (notification of travel required 48 hrs prior to departure)<\/td>\n<\/tr>\n
In-Hospital Dental Cover<\/td>\nMedical Expense Shortfall Cover<\/td>\nIncrease the medical aid rate up to 500% for impacted wisdom teeth, reconstructive maxillofacial surgery due to an accident (which occurred while on the Policy) and oral cancer (which was diagnosed while on the Policy). Subject to the OAL<\/td>\nIncrease the medical aid rate up to 500% for impacted wisdom teeth, reconstructive maxillofacial surgery due to an accident (which occurred while on the Policy) and oral cancer (which was diagnosed while on the Policy). Subject to the OAL<\/td>\n<\/tr>\n
Basic Dental Medical Expense Shortfall Cover for Children<\/td>\nIncreases the Medical Aid rate up to 500% for basic dentistry for children up to and including 12 years old. Limited to R3300 per family per annum. Subject to the OAL<\/td>\nIncreases the Medical Aid rate up to 500% for basic dentistry for children up to and including 12 years old. Limited to R3600 per family per annum. Subject to the OAL<\/td>\n<\/tr>\n
Co-payment Cover<\/td>\nSubject to OAL<\/td>\nSubject to OAL<\/td>\n<\/tr>\n
Sub-limit and Co-payment Cover for dental implants<\/td>\nCovers the cost of dental implants for reconstructive maxillofacial surgery due to an accident (which occurred while on the Policy) and oral cancer (which) was diagnosed while on the Policy). Limited to R26000 per admission and R50000 per family per annum. Subject to the Overall Annual Limit<\/td>\nCovers the cost of dental implants for reconstructive maxillofacial surgery due to an accident (which occurred while on the Policy) and oral cancer (which) was diagnosed while on the Policy). Limited to R28500 per admission and R53000 per family per annum. Subject to the Overall Annual Limit<\/td>\n<\/tr>\n
Sub-limit Cover<\/td>\nR26000 per admission and R50000 per family for impacted wisdom teeth, orthognathic surgery, reconstructive maxillofacial surgery due to an accident (which occurred while on the Policy) and oral cancer (which was diagnosed while on the Policy). Subject to the OAL<\/td>\nR28500 per admission and R53000 per family for impacted wisdom teeth, orthognathic surgery, reconstructive maxillofacial surgery due to an accident (which occurred while on the Policy) and oral cancer (which was diagnosed while on the Policy). Subject to the OAL<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div><\/div><\/div><\/div>
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