{"id":7730,"date":"2025-09-21T11:41:40","date_gmt":"2025-09-21T11:41:40","guid":{"rendered":"https:\/\/turnberry.co.za\/2026\/?page_id=7730"},"modified":"2026-09-29T15:00:27","modified_gmt":"2026-09-29T15:00:27","slug":"dynamic","status":"publish","type":"page","link":"https:\/\/turnberry.co.za\/2027\/dynamic\/","title":{"rendered":"Dynamic"},"content":{"rendered":"

DYNAMIC is designed for a new generation of healthcare consumers \u2013 smart, proactive, and on the move. Tailored for young professionals and couples starting out, this Gap Cover solution offers flexible, affordable protection from costly medical shortfalls. With a focus on simplicity, value, and peace of mind, DYNAMIC helps you confidently navigate your healthcare journey\u2014knowing you\u2019re covered when it counts most.<\/strong><\/span><\/p>\n

Download Brochure 2026<\/a> |\u00a0Download Brochure 2027<\/a> |\u00a0Comparison Table<\/a> | Product Summary<\/a><\/span><\/strong><\/p>\n<\/div>

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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

<\/div><\/div><\/div><\/div><\/div>
\n\n\n\n\n\n\n\n
<\/th>\nDependents<\/th>\n<\/tr>\n
2026 Pricing Incl Vat<\/strong><\/td>\n0<\/strong><\/td>\n1<\/strong><\/td>\n2<\/strong><\/td>\n3<\/strong><\/td>\n4<\/strong><\/td>\n<\/tr>\n
Ages 0 – 29<\/td>\nR180<\/td>\nR330<\/td>\nR500<\/td>\nR600<\/td>\nR700<\/td>\n<\/tr>\n
Ages 30 – 49<\/td>\nR330<\/td>\nR473<\/td>\nR605<\/td>\nR715<\/td>\nR825<\/td>\n<\/tr>\n
Ages 50 – 64<\/td>\nR385<\/td>\nR495<\/td>\nR616<\/td>\nR759<\/td>\nR902<\/td>\n<\/tr>\n
Ages 65+<\/td>\nR605<\/td>\nR770<\/td>\nR935<\/td>\nR1100<\/td>\nR1265<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>
\n\n\n\n\n\n\n\n
<\/th>\nDependents<\/th>\n<\/tr>\n
2027 Pricing Incl Vat<\/strong><\/td>\n0<\/strong><\/td>\n1<\/strong><\/td>\n2<\/strong><\/td>\n3<\/strong><\/td>\n4<\/strong><\/td>\n<\/tr>\n
Ages 0 – 29<\/td>\nR190<\/td>\nR350<\/td>\nR545<\/td>\nR655<\/td>\nR765<\/td>\n<\/tr>\n
Ages 30 – 49<\/td>\nR350<\/td>\nR500<\/td>\nR660<\/td>\nR790<\/td>\nR900<\/td>\n<\/tr>\n
Ages 50 – 64<\/td>\nR420<\/td>\nR540<\/td>\nR675<\/td>\nR830<\/td>\nR985<\/td>\n<\/tr>\n
Ages 65+<\/td>\nR660<\/td>\nR830<\/td>\nR1024<\/td>\nR1200<\/td>\nR1380<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>

UNDERSTANDING YOUR PREMIUM<\/strong><\/p>\n

Your rate category is determined by the age of the oldest person insured on the policy. For example: If you are between the ages of 30 and 49 and have no dependants, your monthly premium will be R330. If you take out a policy for yourself and add one dependant, the total monthly premium will be R473. This structure ensures that your pricing is transparent and tailored to your household\u2019s specific needs.<\/p>\n<\/div>

Benefits<\/h2><\/div>\n
\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
 <\/td>\n <\/td>\nDynamic 2025<\/span><\/td>\nDynamic 2026<\/span><\/td>\n<\/tr>\n
 <\/td>\n <\/td>\nRefer to pricing table above<\/em><\/span><\/td>\nRefer to pricing table above<\/em><\/span><\/td>\n<\/tr>\n
In-hospital benefits<\/span><\/td>\nMedical Expense Shortfall Cover<\/span><\/td>\nIncreases the Medical Aid rate up to 500% (e.g. Specialists, GPs, Anaesthetists, Radiology, Pathology, Consumables, etc.). Subject to the Overall Annual Limit<\/td>\nIncreases the Medical Aid rate up to 500% (e.g. Specialists, GPs, Anaesthetists, Radiology, Pathology, Consumables, etc.). Subject to the Overall Annual Limit<\/td>\n<\/tr>\n
Co-payment Cover<\/span><\/td>\nSubject to OAL<\/span><\/td>\nSubject to OAL<\/span><\/td>\n<\/tr>\n
Non-DSP Hospital Penalty Cover<\/span><\/td>\nR10000 per admission. Limited to 1 claim per family per annum. Subject to the Overall Annual Limit<\/td>\nR11000 per admission. Limited to 1 claim per family per annum. Subject to the Overall Annual Limit<\/td>\n<\/tr>\n
Sub-limit Cover<\/span><\/td>\nR20000 per family per annum. Subject to the Overall Annual Limit<\/td>\nR22000 per family per annum. Subject to the Overall Annual Limit<\/td>\n<\/tr>\n
In-hospital and out-of hospital benefits<\/span><\/td>\nTraditional Cancer Cover<\/span><\/td>\nPays for treatment in a private facility, including sub-limits, deductibles or co-payments related to cancer treatment. Subject to the Overall Annual Limit<\/td>\nPays for treatment in a private facility, including sub-limits, deductibles or co-payments related to cancer treatment. Subject to the Overall Annual Limit<\/td>\n<\/tr>\n
Biological Cancer Drug Cover<\/span><\/td>\nProvides cover for Biological Cancer Drugs when the Medical Scheme imposes a sub-limit. Subject to the formulary (Refer page on Formulary and Waiting periods) and the Overall Annual Limit<\/td>\nProvides cover for Biological Cancer Drugs when the Medical Scheme imposes a sub-limit. Subject to the formulary (Refer page on Formulary and Waiting periods) and the Overall Annual Limit<\/td>\n<\/tr>\n
MRI and CT scan Cover<\/span><\/td>\nCovers the cost of MRI and CT scans when there is no benefit available on your Medical Scheme. Limited to R5000 per event and limited to 1 claim per family per annum. Subject to the Overall Annual Limit<\/td>\nCovers the cost of MRI and CT scans when there is no benefit available on your Medical Scheme. Limited to R5500 per event and limited to 1 claim per family per annum. Subject to the Overall Annual Limit<\/td>\n<\/tr>\n
Trauma Care Cover<\/span><\/td>\nCovers the cost of trauma counselling consultations with a registered healthcare provider after a member has been diagnosed with a critical illness, has been a victim of a violent crime or experienced the death of an immediate family member. Limited to R2000 per consultation and R8000 per family per annum. Subject to the Overall Annual Limit<\/td>\nCovers the cost of trauma counselling consultations with a registered healthcare provider after a member has been diagnosed with a critical illness, has been a victim of a violent crime or experienced the death of an immediate family member. Limited to R2200 per consultation and R9000 per family per annum. Subject to the Overall Annual Limit<\/td>\n<\/tr>\n
Out-of-hospital benefits<\/span><\/td>\nCo-payments for Scopes<\/span><\/td>\nR6500 per family per annum. Limited to 2 claims per family per annum. Subject to the Overall Annual Limit<\/td>\nR7000 per family per annum. Limited to 2 claims per family per annum. Subject to the Overall Annual Limit<\/td>\n<\/tr>\n
Sub-limit Cover for MRI, CT and PET scans<\/span><\/td>\nR20000 per family per annum. Subject to the Overall Annual Limit<\/td>\nR22000 per family per annum. Subject to the Overall Annual Limit<\/td>\n<\/tr>\n
Casualty Benefit for Accidents<\/span><\/td>\nR10000. Limited to one claim per family per annum. Subject to the Overall Annual Limit<\/td>\nR11000. Limited to one claim per family per annum. Subject to the Overall Annual Limit<\/td>\n<\/tr>\n
Casualty Benefit for Illness<\/span><\/td>\nR2000 per event. Limited to 2 claims per family per annum. Subject to the Overall Annual Limit. Treatment is restricted to between the hours of 6pm – 6am Mondays – Fridays, Saturdays, Sundays and Public Holidays<\/td>\nR2200 per event. Limited to 2 claims per family per annum. Subject to the Overall Annual Limit. Treatment is restricted to between the hours of 6pm – 6am Mondays – Fridays, Saturdays, Sundays and Public Holidays<\/td>\n<\/tr>\n
Added benefits<\/span><\/td>\nInternational 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<\/span><\/td>\nMedical Expense Shortfall Cover<\/span><\/td>\nIncreases the medical aid rate up to 500% 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 Overall Annual Limit<\/td>\nIncreases the medical aid rate up to 500% 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 Overall Annual Limit<\/td>\n<\/tr>\n
Co-payment Cover<\/span><\/td>\nSubject to the Overall Annual Limit<\/td>\nSubject to the Overall Annual Limit<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div><\/div><\/div><\/div>
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