{"id":2642,"date":"2018-10-30T03:47:14","date_gmt":"2018-10-30T03:47:14","guid":{"rendered":"https:\/\/turnberry.co.za\/2023\/?p=2642"},"modified":"2024-01-10T08:12:52","modified_gmt":"2024-01-10T08:12:52","slug":"sas-crime-reality-and-the-link-to-gap-cover","status":"publish","type":"post","link":"https:\/\/turnberry.co.za\/2027\/sas-crime-reality-and-the-link-to-gap-cover\/","title":{"rendered":"SA\u2019s crime reality and the link to Gap Cover"},"content":{"rendered":"

\"SA\u2019sSouth Africa is regarded as one of the world\u2019s most beautiful countries, and in general, we\u2019re a happy, hopeful nation.<\/p>\n

But within our magnificent blue skies there\u2019s a dark cloud that we must certainly acknowledge: the looming issue of high crime rates.<\/p>\n

Yes, crime is a reality of life in SA. Many of us take precautions to protect ourselves \u2013 with burglar bars or self-defence classes, with defensive driving practices or private security companies, and more.<\/p>\n

We remain vigilant, aware, and try not to let down our guards at any point.<\/p>\n

South Africa has its fair share of more serious, violent crime. It\u2019s a highly emotional issue\u2026 and those of us who\u2019ve been victims of this type of crime often experience psychological trauma and distress.<\/p>\n

But with violent crime posing such a real risk to ourselves and our families, how many of us think about some of the more practical realities? If you suffer physical injuries due to violent crime, will your Medical Aid cover every operation, every scan, and every in-hospital consultation with specialists in full?<\/p>\n

This is where Gap Cover plays a vital role. It plugs that \u2018medical expense shortfall\u2019 between what doctors, hospitals and clinics charge, and what your Medical Aid pays.<\/p>\n

Finding the right partner<\/strong><\/h2>\n

As with anything, there are many different Gap Cover providers, each offering various tiers of offerings. In consultation with your financial advisor, it\u2019s critical to select the right Gap Cover<\/a> (and indeed the right Medical Aid) to suit your needs.<\/p>\n

When it comes to emergencies as a result of crime incidents, your Gap Cover Casualty Benefit should comprehensively cover facility fees, consultations, medications, radiology and pathology associated with any incident.<\/p>\n

It\u2019s also good to look out for \u2018non-DSP Hospital Penalty\u2019 cover \u2013 which is a feature of any good Gap Cover offering. Remember that your Medical Aid will often not cover the total cost of your hospital stay if you make use of a \u2018Non-Designated Service Provider\u2019 during your recovery from injury (these are hospitals outside of your Medical Aid\u2019s approved network).<\/p>\n

Without Gap cover, you\u2019d be forced to pick up the medical expense shortfalls.<\/p>\n

But perhaps the most important consideration in choosing a Gap Cover partner is the levels of service that you get. Due to the high emotions that inevitably accompany incidents of violent crime, you need a partner with the sensitivity and experience to help you through a difficult time – while also resolving your claims efficiently and quickly<\/a>.<\/p>\n

At Turnberry, we’re aware that high crime rates are part-and-parcel of daily life in SA. In our product designs for 2019, we aimed to respond to customer\u2019s real needs, and ensure they get the greatest value from their Gap Cover protection.<\/p><\/blockquote>\n

As it relates to things like injuries, our Premier offering was enhanced for 2019\u00a0with the likes of:<\/p>\n