{"id":5161,"date":"2021-09-08T14:41:35","date_gmt":"2021-09-08T14:41:35","guid":{"rendered":"https:\/\/turnberry.co.za\/2023\/?page_id=5161"},"modified":"2026-09-30T13:17:14","modified_gmt":"2026-09-30T13:17:14","slug":"what-is-a-waiting-period","status":"publish","type":"page","link":"https:\/\/turnberry.co.za\/2027\/what-is-a-waiting-period\/","title":{"rendered":"What is a waiting period?"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 has-pattern-background has-mask-background 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-margin-top:30px;--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;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-button-wrapper fusion-alignleft\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/getcovered.turnberry.co.za\/app\/1?src=website\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">GET COVERED<\/span><\/a><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container 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-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><h3>Turnberry Gap Cover policies have 2 different waiting periods.<\/h3>\n<ul>\n<li>\n<h3>The first is a general waiting period of 3 months<\/h3>\n<\/li>\n<li>\n<h3>The second is condition specific waiting periods<\/h3>\n<\/li>\n<\/ul>\n<p>The <strong>3-month general waiting periods<\/strong> is 3 months from the commencement date of the policy, during which an insured person is not entitled to claim for any policy benefits. Turnberry does understand that accidents do happen and therefore the 3-month general waiting period will be waived in the event of an accident. An accident is defined as a bodily injury caused by violent external means.<\/p>\n<p>A condition specific waiting period is a time period of up to <strong>12 months<\/strong> when you cannot claim for a specific condition. For example \u2013 treatment or surgery for Hysterectomy, hysteroscopies, endometriosis, ovarian cysts, and fibroids, 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, nasal and sinus, cancer.<\/p>\n<p><strong>10 month<\/strong> waiting period on pregnancy \/ childbirth. For example, a 10-month waiting period on pregnancy\/ childbirth<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_3 1_3 fusion-flex-column fusion-column-inner-bg-wrapper\" style=\"--awb-inner-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/turnberry.co.za\/invest-in-gap-cover-for-a-lifetime-of-financial-protection-and-peace-of-mind\/\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-margin-bottom:20px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><a class=\"fusion-no-lightbox\" href=\"https:\/\/turnberry.co.za\/2027\/invest-in-gap-cover-for-a-lifetime-of-financial-protection-and-peace-of-mind\/\" target=\"_self\" aria-label=\"Waiting period block-01\"><img decoding=\"async\" width=\"822\" height=\"846\" alt=\"Waiting Periods\" src=\"https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/Waiting-period-block-01.png\" class=\"img-responsive wp-image-7931\" srcset=\"https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/Waiting-period-block-01-200x206.png 200w, https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/Waiting-period-block-01-400x412.png 400w, https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/Waiting-period-block-01-600x618.png 600w, https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/Waiting-period-block-01-800x823.png 800w, https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/Waiting-period-block-01.png 822w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 400px\" \/><\/a><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling pregnancy-container-one\" 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-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-has-icon\" style=\"margin-left: auto;margin-right: auto;margin-top:10px;margin-bottom:30px;width:100%;max-width:206px;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#c028b9;border-color:#c028b9;border-top-width:2px;\"><\/div><span class=\"icon-wrapper\" style=\"border-color:#c028b9;background-color:rgba(255,255,255,0);font-size:15px;width: 1.75em; height: 1.75em;border-width:2px;padding:2px;margin-top:-1px\"><i class=\"fa-certificate fas\" style=\"font-size: inherit;color:#c028b9;\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#c028b9;border-color:#c028b9;border-top-width:2px;\"><\/div><\/div><div class=\"fusion-sep-clear\"><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container 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-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-has-icon\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:10px;margin-bottom:30px;width:100%;max-width:206px;\"><\/div><div class=\"fusion-text fusion-text-2\"><h3><strong>Why are waiting periods necessary?<\/strong><\/h3>\n<p>Waiting periods prevent anti-selective behaviour from occurring, this is when a member only joins due to an upcoming procedure and then cancels the policy shortly thereafter. For example, Johnny needs a hip replacement due to wear and tear and knows that his orthopaedic surgeon charges above medical aid rates so he takes out a Gap Cover Policy. If the policy had no waiting periods Johnny could go that same month and have the hip replacement and submit claims to Turnberry and cancel the following month. In this instance the member would benefit from Turnberry paying thousands of rands in claims in exchange for a few hundred rand in premium. At the end of the day this would lead to Turnberry having to increase premiums, resulting in less people being able to afford Gap Cover.<\/p>\n<p>If we now look at the same example but, in this instance, waiting periods do apply, Johnny would not be able to claim for the hip replacement within the first 12 months of the policy. Thereby protecting existing members from unsustainable premium increases and allowing more members access to Gap Cover.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-2 hover-type-none\"><img decoding=\"async\" width=\"400\" height=\"400\" alt=\"Testimonial\" title=\"Turnberry photos 2026_gradients\" src=\"https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/waiting-2.jpg\" class=\"img-responsive wp-image-7934\" srcset=\"https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/waiting-2-200x200.jpg 200w, https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/waiting-2.jpg 400w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 400px\" \/><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container 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-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-3 hover-type-none\"><img decoding=\"async\" width=\"400\" height=\"400\" alt=\"Testimonial\" title=\"Turnberry photos 2026_gradients\" src=\"https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/waiting-1.jpg\" class=\"img-responsive wp-image-7935\" srcset=\"https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/waiting-1-200x200.jpg 200w, https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/waiting-1.jpg 400w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 400px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-has-icon\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:10px;margin-bottom:30px;width:100%;max-width:206px;\"><\/div><div class=\"fusion-text fusion-text-3\"><h3><strong>I have had Gap Cover previously what waiting periods will apply to my policy?<\/strong><\/h3>\n<p>If you have previously had a gap cover policy for more than 12 months on any like for like benefits the maximum that may be imposed is a 3-month general waiting period. For any new benefits that you did not have previously a 3-month general waiting period and up to 12-month condition specific waiting periods may apply.<\/p>\n<p>If you have had a gap cover policy for less than 12 months then on any like for like benefits a 3-month general waiting period may apply and the balance of the 12-month condition specific waiting periods will apply. For any new benefits that you did not have previously a 3-month general waiting period and up to 12-month condition specific waiting periods may apply.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container 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-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-has-icon\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:10px;margin-bottom:30px;width:100%;max-width:206px;\"><\/div><div class=\"fusion-text fusion-text-4\"><h3><strong>Why must I pay premiums when I cannot claim within the waiting periods?<\/strong><\/h3>\n<p>This is a commonly asked question as most people look at the list of 12-month condition specific waiting periods that are imposed and say that nothing will be covered within the waiting periods. It is important to remember that there are thousands of medical conditions for example heart attacks, strokes, pneumonia and let\u2019s not forget the ever-present Covid-19 that you can claim for outside of the 3-month general waiting period. Accidents are unfortunately a part of life and not something that one can control and we understand that therefore the 3-month general waiting period and 12-month waiting period for muscular-skeletal is waived in the event of an accident. An accident is defined as a bodily injury caused by violent external means.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-4 hover-type-none\"><img decoding=\"async\" width=\"400\" height=\"400\" alt=\"Muscular Skeletal\" title=\"waiting 3\" src=\"https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/waiting-3.png\" class=\"img-responsive wp-image-7933\" srcset=\"https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/waiting-3-200x200.png 200w, https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/waiting-3.png 400w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 400px\" \/><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling pregnancy-container-three\" 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-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last title-section-two\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-5\"><h2 style=\"text-align: center;\">Claims paid by Turnberry over the past 12 months<\/h2>\n<\/div><div class=\"fusion-image-element fusion-image-align-center in-legacy-container\" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-5 hover-type-none\"><img decoding=\"async\" width=\"2188\" height=\"2545\" title=\"266620 Turnberry Brochure 2027_case studies\" src=\"https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2026\/09\/266620-Turnberry-Brochure-2027_case-studies-1.png\" alt class=\"img-responsive wp-image-8654\" srcset=\"https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2026\/09\/266620-Turnberry-Brochure-2027_case-studies-1-200x233.png 200w, https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2026\/09\/266620-Turnberry-Brochure-2027_case-studies-1-400x465.png 400w, https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2026\/09\/266620-Turnberry-Brochure-2027_case-studies-1-600x698.png 600w, https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2026\/09\/266620-Turnberry-Brochure-2027_case-studies-1-800x931.png 800w, https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2026\/09\/266620-Turnberry-Brochure-2027_case-studies-1-1200x1396.png 1200w, https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2026\/09\/266620-Turnberry-Brochure-2027_case-studies-1.png 2188w\" sizes=\"(max-width: 800px) 100vw, 1200px\" \/><\/span><\/div><\/div><div class=\"fusion-image-element fusion-image-align-center in-legacy-container\" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-6 hover-type-none\"><img decoding=\"async\" width=\"1024\" height=\"461\" title=\"255986 Turnberry Broker Launch Presentation_20th August 2\" src=\"https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/255986-Turnberry-Broker-Launch-Presentation_20th-August-2-1024x461.jpg\" alt class=\"img-responsive wp-image-8060\" srcset=\"https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/255986-Turnberry-Broker-Launch-Presentation_20th-August-2-200x90.jpg 200w, https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/255986-Turnberry-Broker-Launch-Presentation_20th-August-2-400x180.jpg 400w, https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/255986-Turnberry-Broker-Launch-Presentation_20th-August-2-600x270.jpg 600w, https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/255986-Turnberry-Broker-Launch-Presentation_20th-August-2-800x360.jpg 800w, https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/255986-Turnberry-Broker-Launch-Presentation_20th-August-2-1200x540.jpg 1200w\" sizes=\"(max-width: 800px) 100vw, 1200px\" \/><\/span><\/div><\/div><div class=\"fusion-image-element fusion-image-align-center in-legacy-container\" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-7 hover-type-none\"><img decoding=\"async\" width=\"931\" height=\"1024\" title=\"255061 Turnberry Brochure 2026 (1)\" src=\"https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/255061-Turnberry-Brochure-2026-1-931x1024.webp\" alt class=\"img-responsive wp-image-8061\" srcset=\"https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/255061-Turnberry-Brochure-2026-1-200x220.webp 200w, https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/255061-Turnberry-Brochure-2026-1-400x440.webp 400w, https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/255061-Turnberry-Brochure-2026-1-600x660.webp 600w, https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/255061-Turnberry-Brochure-2026-1-800x880.webp 800w, https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/255061-Turnberry-Brochure-2026-1-1200x1320.webp 1200w\" sizes=\"(max-width: 800px) 100vw, 1200px\" \/><\/span><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-8 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling pregnancy-container-four\" 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-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last title-section-three\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-has-icon\" style=\"margin-left: auto;margin-right: auto;margin-top:10px;margin-bottom:30px;width:100%;max-width:206px;\"><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-text fusion-text-6\"><h2 style=\"text-align: left;\">Client Testimonials post claim submissions<\/h2>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-12 fusion_builder_column_2_3 2_3 fusion-two-third fusion-column-first\" style=\"--awb-bg-size:cover;width:66.666666666667%;width:calc(66.666666666667% - ( ( 4% ) * 0.66666666666667 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-7 testimonial-page-block\"><p>Turnberry\u2019s Gap Product settled my out of medical aid expenses.\u00a0 It is so important to have Gap Cover insurance, as you never know when you or your child will need this, and what really will be covered under your Medical Aid. I had a second co-payment implemented by my medical aid without any explanation and Wendy was brilliant in enquiring about this with the Medical Aid, and thereafter settling this. <strong>Dina Lala<\/strong><\/p>\n<\/div><div class=\"fusion-text fusion-text-8 testimonial-page-block\"><p>Doctors charged above medical aid rates which required upfront co-payments. These co-payments were submitted to Turnberry for processing.\u00a0My claim form was completed and submitted to my Broker on 29 June 2021.\u00a0 Payment of my 1<sup>st<\/sup> diagnosis of cancer was paid on 16 July 2021.\u00a0 On 9 July 2021, I received an email to advise that my claim was submitted to an assessor to conclude the assessment.\u00a0 Your timeous and prompt responses and feedback has assured me that Turnberry provides the best value for money which has benefitted me during my claim experience.\u00a0 I believe Turnberry provide a prompt, fast and efficient customer service and satisfaction. I would recommend Gap Cover which helps with the additional medical expenses.\u00a0 It covers the shortfall where Doctors and Hospitals charge above medical aid rate.\u00a0 The up-front co-payments for certain procedures and admission can be claimed from Gap Cover if you have the right benefit product in place.\u00a0\u00a0Excellent service. Highly recommended. <strong>Vijay Pillay<\/strong><\/p>\n<\/div><div class=\"fusion-text fusion-text-9 testimonial-page-block\"><p>I was very impressed with the efficient and excellent service I received from Turnberry Gap cover especially Verna Nel. I was kept updated on the process of my claims and all queries were dealt with speedily. I have already recommended Turnberry Gap cover to friends and family as you will definitely have peace of mind when you are hospitalized and you are covered with Turnberry Gap cover. Thank you for your excellent service. <strong>Shanaaz\u00a0<\/strong><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-13 fusion_builder_column_1_3 1_3 fusion-one-third fusion-column-last\" style=\"--awb-bg-size:cover;width:33.333333333333%;width:calc(33.333333333333% - ( ( 4% ) * 0.33333333333333 ) );\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-image-element in-legacy-container\" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-8 hover-type-none\"><img decoding=\"async\" width=\"400\" height=\"400\" alt=\"Testimonial\" title=\"Excited carefree happy cheerful european blond woman have fun drink cocktails dancing partying nightclub girlfriend smiling closed eyes show peace bunny gesture red background\" src=\"https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/waiting-4.jpg\" class=\"img-responsive wp-image-7937\" srcset=\"https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/waiting-4-200x200.jpg 200w, https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2025\/09\/waiting-4.jpg 400w\" sizes=\"(max-width: 800px) 100vw, 400px\" \/><\/span><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-9 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-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-14 fusion_builder_column_1_3 1_3 fusion-one-third fusion-column-first\" style=\"--awb-bg-size:cover;width:33.333333333333%;width:calc(33.333333333333% - ( ( 4% + 4% ) * 0.33333333333333 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-image-element in-legacy-container\" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-9 hover-type-none\"><img decoding=\"async\" src=\"https:\/\/turnberry.co.za\/2027\/wp-content\/uploads\/2023\/12\/carefree-family-having-fun-while-moving-into-new-home-gradient-sq-1.jpg\" alt class=\"img-responsive\"\/><\/span><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-15 fusion_builder_column_1_3 1_3 fusion-one-third\" style=\"--awb-bg-size:cover;width:33.333333333333%;width:calc(33.333333333333% - ( ( 4% + 4% ) * 0.33333333333333 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-10 testimonial-page-block\"><p>Turnberry paid the full difference between what medical aid covered and the cost of the procedure.\u00a0 It is a must have product with medical aid. Has much higher value compared to monthly amount paid.\u00a0 Thank you once again for quick and effective service. Some of rare exceptions of what really works well. <strong>Paulius<\/strong><\/p>\n<\/div><div class=\"fusion-text fusion-text-11 testimonial-page-block\"><p>I was able to claim the added expenses after my knee surgery.\u00a0 \u00a0I have had no problems with Turnberry and their service was helpful and efficient.\u00a0 \u00a0Gap Cover Insurance is something that unfortunately in today\u2019s times needs to be considered. A small expense to give one peace of mind. Turnberry claims division were quick and helpful in answering my questions. <strong>Dave<\/strong><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-16 fusion_builder_column_1_3 1_3 fusion-one-third fusion-column-last\" style=\"--awb-bg-size:cover;width:33.333333333333%;width:calc(33.333333333333% - ( ( 4% + 4% ) * 0.33333333333333 ) );\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-12 testimonial-page-block\"><p>I wanted to write to you to thank you for your commitment to your customers. It was incredibly refreshing to receive the payment in good faith, as I can assure you, I would have NEVER received this kind of commitment from any other medical aid or GAP cover provider.<br \/>\nI will endeavour to give your company and your brand as much positive recommendation on social platforms that I can and felt it was crucial that I write to you to let you know that I will be a customer of Turnberry for life and I truly thank you for honouring your commitment to us. We appreciate your service and your service excellence.\u00a0 I am very proud to be a client of Turnberry. Thank you once again for your phenomenal service. <strong>Collette Roetz<\/strong><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-10 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-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-17 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-content-boxes content-boxes columns row fusion-columns-1 fusion-columns-total-1 fusion-content-boxes-1 content-boxes-icon-with-title content-left\" style=\"--awb-backgroundcolor:#1a3768;--awb-body-color:#ffffff;--awb-title-color:#ffffff;--awb-hover-accent-color:#bf27b8;--awb-circle-hover-accent-color:#bf27b8;--awb-item-margin-bottom:40px;\" data-animationOffset=\"top-into-view\"><div style=\"--awb-backgroundcolor:#1a3768;\" class=\"fusion-column content-box-column content-box-column content-box-column-1 col-lg-12 col-md-12 col-sm-12 fusion-content-box-hover content-box-column-last content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper-background link-area-link-icon icon-hover-animation-pulsate\" data-animationOffset=\"top-into-view\"><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<h3 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Please <a href=\"https:\/\/turnberry.co.za\/2027\/contact-us\/\">contact<\/a> Turnberry and get peace of mind for you and your family.<\/span><\/h3>\n<\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-11 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling pregnancy-container-five\" 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-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-18 fusion_builder_column_1_2 1_2 fusion-one-half fusion-column-first\" style=\"--awb-bg-size:cover;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-button-wrapper fusion-aligncenter\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-2 fusion-button-default-span fusion-button-default-type\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/turnberry.co.za\/2027\/what-is-gap-cover\/ \"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">READ ARTICLE<\/span><\/a><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-19 fusion_builder_column_1_2 1_2 fusion-one-half fusion-column-last\" style=\"--awb-bg-size:cover;width:50%;width:calc(50% - ( ( 4% ) * 0.5 ) );\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-button-wrapper fusion-alignleft\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-3 fusion-button-default-span fusion-button-default-type get-covered-button\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/getcovered.turnberry.co.za\/app\/1?src=website\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">GET COVERED<\/span><\/a><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-20 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-has-icon\" style=\"margin-left: auto;margin-right: auto;margin-top:10px;margin-bottom:30px;width:100%;max-width:206px;\"><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":10,"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-5161","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>What is a waiting period?<\/title>\n<meta name=\"description\" content=\"The Turnberry team has extensive experience across the healthcare and insurance industries in South Africa.\" \/>\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\/2027\/what-is-a-waiting-period\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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