{"id":1982,"date":"2018-06-15T14:51:13","date_gmt":"2018-06-15T14:51:13","guid":{"rendered":"https:\/\/turnberry.co.za\/2023\/new\/?p=1982"},"modified":"2024-01-10T08:13:04","modified_gmt":"2024-01-10T08:13:04","slug":"should-you-upgrade-your-gap-cover","status":"publish","type":"post","link":"https:\/\/turnberry.co.za\/2027\/should-you-upgrade-your-gap-cover\/","title":{"rendered":"Should you upgrade your Gap Cover?"},"content":{"rendered":"

In South Africa today, Gap Cover is surging in popularity, as many medical professionals charge multiple times the stipulated Medical Aid rates. Gap Cover enhances one\u2019s Medical Aid, helping to cover in-hospital medical expense shortfalls<\/a> for certain procedures and specialist bills.\"Family<\/p>\n

Unlike Medical Aids \u2013 which can generally only be changed during a specific period towards the end of the year \u2013 Gap Cover policies can be changed at any time of the year.<\/p><\/blockquote>\n

Within the range of offerings<\/a> from most Gap Cover providers, consumers can choose from among numerous different policies. These vary from the more basic offerings that cover shortfalls only up to a certain amount, to the most comprehensive packages to protect families against the high costs of illnesses, accidents and other emergencies.<\/p>\n

Tony Singleton, CEO of Turnberry Risk Management Solutions, says that customers often ask the Turnberry team about the value of upgrading their Gap Cover package to a more comprehensive solution.<\/p>\n

Finding the best value<\/strong><\/h2>\n

To begin with, Singleton notes that when compared to Medical Aid<\/a>, the costs of Gap Cover are very reasonable \u2013 even for the most comprehensive offerings: \u201cUnlike Medical Aids, which can range into many thousands of Rands per person per month, even the most comprehensive Gap Cover policy should only be a few hundred rand per month,\u201d he says.<\/p>\n

To enjoy the full peace-of-mind that Gap Cover can offer, Turnberry advises most customers to opt for a more comprehensive policy \u2013 giving them the widest range of benefits at a price only slightly higher than the mid-range offerings.<\/p>\n

\u201cLike many of our peers, we certainly do provide more basic offerings. But bear in mind that these have been specifically designed for those individuals and families that have severe financial constraints, or those people, such as students, that are still \u2018starting out\u2019\u201d. Lower-end packages often don\u2019t cover consumers for the likes of co-payments and sub-limits, and generally only enhance the Medical Aid rates up to a certain point, while also limiting one\u2019s casualty benefits.<\/p>\n

\u201cFor those that can afford higher-end Gap Cover packages, we recommend comprehensive packages to unlock access to a far broader array of benefits,\u201d notes Singleton.<\/p>\n

Strike at any time<\/strong><\/h2>\n

Many consumers also mistakenly believe that comprehensive Gap Cover offerings are only needed for those suffering from critical illnesses<\/a> or generally poor levels of health. However, the reality is that accidents and illnesses can strike people at any time, completely without warning.<\/p>\n

\u201cIn these situations, consumers would normally have to endure standard waiting periods as they upgrade their Gap Cover package,\u201d notes Singleton, adding that waiting periods apply to any new benefits that wouldn\u2019t have been covered in their original plan (such as the Biological Cancer Drug benefit for instance).<\/p>\n

This underscores the need for customers to get onto a more comprehensive package now, so when the time comes, they won\u2019t have to worry about any waiting periods. Singleton also explains that customers should invest in a Medical Aid plan to suit their needs and provides adequate cover benefits.<\/p><\/blockquote>\n

Considering that Gap Cover can only enhance (and not replace) one\u2019s Medical Aid, those with the most basic hospital plans may not be able to experience the full benefits of their Gap Cover policy<\/a>. In other words, your Medical Aid must at least pay a portion of a particular bill, in order for your Gap Cover to be useful.<\/p>\n

\u201cThrough detailed assessments and consultations with your financial advisor or insurance broker, you should arrive at a combination of Medical Aid and Gap Cover that suits your unique needs,\u201d he adds.<\/p>\n","protected":false},"excerpt":{"rendered":"

In South Africa today, Gap Cover is surging in popularity, as many medical professionals charge multiple times the stipulated Medical Aid rates. 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