Med-Extend has been designed to assist clients with medical expense shortfalls for Specialists and with covering Defined Procedures that have been excluded on their specific Medical Scheme option.

Download brochure 2024 | Comparison Table | Product Summary

Increase in the OAL (Overall Annual Limit) – effective 1st April 2024
National Treasury annually publishes new limits under the Demarcation Regulations. As of 1 April 2024, the limit for medical expense shortfall (Gap) policies has been increased from R198,660.43 to R210,580.06. Turnberry has increased the overall annual limit on all policies we administer with these benefits, with effect from 1 April 2024. Our clients automatically qualify for the adjusted overall annual limit.


Medical Expense Shortfall Cover

Increases the Medical Aid rate up to 300%. Subject to the OAL

Co-payment Cover

R6 000 per admission. Limited to 2 claims per family per annum. Subject to the OAL

Defined Procedures Excluded By Your Medical Scheme

Med-Extend will assist in paying for Defined Procedures that have been excluded by your Medical Scheme up to a specified rand value as listed below. Subject to the OAL.

Defined Procedures


Arthroscopic surgery

R72 000

Back or neck surgery

R72 000

Bunion surgery

R20 000

Cochlear implant, auditory brain implant and internal nerve stimulator surgery

R92 000

Dental procedures for impacted teeth for children younger than 18 years

R20 000

Dental procedures for reconstructive surgery required due to an accidental event

R92 000

Functional nasal surgery

R30 000

Joint replacement surgery

R60 000

Knee or shoulder surgery (excl joint replacements and arthroscopic surgery)

R33 500

Non-Cancerous breast conditions

R26 000

Oesophageal reflux and hiatus hernia surgery

R66 000

Removal of varicose veins

R26 000

Skin disorders (including benign growths and lipomas)

R26 000

Endoscopic procedures

R7 500

Medical Scheme Contribution Waiver

Up to R6 600 per month for 6 months; in the event of death or permanent and total disability as a result of an accident, of the Medical Scheme Contribution Payer

Gap Premium Waiver

Pays the premium of the Policy for 12 months in the event of death or permanent and total disability as a result of an accident of the Contribution Payer

International Travel Cover

R5 million per insured (notification of travel required 48 hrs prior to departure)

Casualty Benefit – Accident and Illness

R4 000 per family per annum. The Casualty Benefit for Illness will be restricted to between the hours of 6pm – 6am Mondays to Fridays, Saturdays, Sundays and Public Holidays

MRI and CT Scan Cover

Provides cover for MRI and CT scans when there is benefit available on your Medical Scheme. Limited R5 000 per event and 1 claim per family per annum Subject to OAL

Medical Expense Shortfall Cover

Increases the medical aid rate up to 300% for impacted wisdom teeth, 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 OAL


MedBoost provides a lump sum benefit pay-out when you need to undergo a Defined Procedure and have been claim free for a number of years. The MedBoost pay-out would depend on the number of consecutive claim free years you have had as per the table provided.

Number of claim free years

MedBoost pay-out

3 years

R3 500

4 years

R4 500

5 years

R5 500

5+ years

 R6 500

Additional Information

Waiting Periods

Click the button to review the Waiting Periods and Exceptions.

Turnberry Med Extend Cover