{"id":5388,"date":"2021-10-26T09:05:18","date_gmt":"2021-10-26T09:05:18","guid":{"rendered":"https:\/\/turnberry.co.za\/2023\/?p=5388"},"modified":"2024-01-10T08:09:21","modified_gmt":"2024-01-10T08:09:21","slug":"a-growing-need-for-gap-cover","status":"publish","type":"post","link":"https:\/\/turnberry.co.za\/2027\/a-growing-need-for-gap-cover\/","title":{"rendered":"A growing need for Gap cover"},"content":{"rendered":"

\"A<\/p>\n

 <\/p>\n

Business Day \u2013 Medical Cover 2022<\/p>\n

Gap cover<\/a> is becoming an increasingly popular way for members of medical schemes to protect them from unexpected medical expense shortfalls for in-hospital treatment, says Tony Singleton, CEO of Turnberry, a registered financial services provider that specialises in accident, health and travel insurance and funeral cover.<\/p>\n

\u201cMedical aids are under constant pressure to balance benefits with affordable contributions with the result that they put risk management strategies in place to manage costs,\u201d he explains. \u201cAn example of this are a number of procedures which were previously done in a hospital and which are now being performed in day clinics. If you select to have these procedures done in a hospital, you are liable for a penalty.\u201d<\/p>\n

Given that illnesses and accidents don\u2019t discriminate based on age, he says gap cover is a tool that should be added to every medical scheme members\u2019 financial planning portfolio. \u201cA heart attack, accident or cancer diagnosis, for example, are not planned events and they can happen to anyone, at any time. An event of this nature can leave a family significantly out of pocket if they don\u2019t have gap cover in place. In the current tough environment, an unexpected medical expense shortfall can cripple a family financially.\u201d<\/p>\n

In terms of choosing which gap cover option is the right plan for you, Singleton says the medical aid option you have selected plays a vital role in which gap cover product would be best suited to your needs. \u201cMedical aid and gap cover should be aligned,\u201d he says, adding that to ensure that your gap cover option meets your needs it\u2019s a good idea to speak to your financial advisor who can evaluate both your medical aid and financial needs and recommend the best product.<\/p>\n

What you should be looking out for in your gap cover, he reveals, is strong service delivery from your gap cover provider. \u201cWhile product benefits and pricing is one issue, it\u2019s important that your gap cover provider makes it easy to claim and that they assist you with queries, particularly around claims, as this can be a stressful time.\u201d<\/p>\n

Gap cover policies have a continuation capability without additional underwriting for your existing benefits, so it\u2019s a portable type of cover, he says. As such, it\u2019s more important that your selected Gap option aligns with your medical aid option, than where the Gap cover comes from.<\/p>\n

Medical inflation is increasing above normal CPI inflation rate which means that the impact of a medical expense shortfall is going to be felt on an increasing basis on our overall financial planning going forward, points out Singleton. \u201cThis could potentially lead to medical aid members dipping into their key savings to fund medical expenses unless they have Gap cover to make up for the shortfall between what the health care provider charges and what the medical scheme funds.\u201d<\/p>\n

https:\/\/getcovered.turnberry.co.za\/app\/1<\/a><\/p>\n

https:\/\/pdf.novusgroup.co.za\/assets\/pdf\/NOVUS_Business_Day_2021-10-21_NTQ2MjUwODIa_1722tBxDJ.pdf<\/p>\n

 <\/p>\n

What is Gap Cover?<\/h2>\n

\"What<\/p>\n

https:\/\/getcovered.turnberry.co.za\/app\/1<\/a><\/p>\n

Client Testimonials<\/h2>\n

Cancer Lump Sum Payment has helped us hugely with all the incidental costs.\u00a0 Gap Cover is a \u2018must have\u2019.\u00a0 Christopher Cradock \u2013 June 2021<\/strong><\/p>\n

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 1st<\/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. Vijay Pillay \u2013 August 2021<\/strong><\/p>\n

Turnberry\u2019s Gap Cover Insurance assisted our family tremendously.\u00a0 My husband was diagnosed with cancer and the once off payment helped a lot with extra medical expenses.\u00a0 Anon \u2013 January 2021<\/strong><\/p>\n

I have been with Turnberry Gap Cover for about 6 years and it has been one of the best investments I could have made. They immediately acknowledge the receipt of a claim, they pay out well within 14 days and provide a detailed and easy-to-read statement. On occasion they have assisted me with advice regarding monies which should have been paid out by my medical aid and had not been, due to an error on the part of the MA. This allowed me to approach the MA and resubmit a claim, thereby saving me money.\u00a0 I have ovarian cancer, stage 4, and knowing that, between my medical aid and gap cover, I need not worry about medical bills, has removed much of the anxiety.\u00a0\u00a0 I would not hesitate to advise anyone to consider Turnberry Gap Cover. Private medical care is so very expensive and out of the reach of most people who do not have medical aid. Even with a good medical aid, it is very easy to be left with enormous bills to settle. My gap cover has proved itself over and over.\u00a0 Bobbi Marshall \u00a06th<\/sup>\u00a0August 2020<\/strong><\/p>\n

The claiming process was easy and painless. The claim was finalised quickly. This was a huge relief as, having been diagnosed with cancer, it was one less thing to worry about.\u00a0 Make sure that you have GAP cover. It could be the difference between being able to pay all your medical accounts and having to go into debt to cover the unexpected costs. Anon \u2013 4th<\/sup>\u00a0August 2020<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

  Business Day \u2013 Medical Cover 2022 Gap cover is becoming an increasingly popular way for members of medical schemes to protect them from unexpected medical expense shortfalls for in-hospital treatment, says Tony Singleton, CEO of Turnberry, a<\/p>\n","protected":false},"author":10,"featured_media":5512,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[7],"tags":[],"class_list":["post-5388","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"\nA growing need for Gap cover - Turnberry<\/title>\n<meta name=\"description\" content=\"Gap cover is becoming an increasingly popular way for members of medical schemes to protect them from unexpected medical expenses.\" \/>\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\/a-growing-need-for-gap-cover\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A growing need for Gap cover - 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