Turnberry Management Risk Solutions, a leading gap cover provider, has announced the launch of its new Dynamic plan option, designed to provide cost-effective yet comprehensive protection against medical expense shortfalls for individuals and families.

The introduction of the Dynamic option comes at a time when South Africans are under mounting financial pressure. With medical aid premiums rising between 8% and 12.5% in 2025, and hospital co-payments and specialist costs escalating sharply, the affordability of healthcare has become a growing concern.

A core solution, without the extras
The Dynamic option focuses on the most common and costly medical aid shortfalls – medical expense shortfalls, co-payments, sub-limits, cancer treatments, and casualty benefits. These areas account for over 95% of Turnberry’s claims, ensuring that members have peace of mind where they need it most. Notably, the Dynamic option includes cover for both traditional and biological cancer treatments, providing a critical layer of protection.

“There is a growing need in today’s market for a gap product that covers the essentials, without bells and whistles that can drive up premiums,” says James White, Director of Sales and Marketing at Turnberry. “The Dynamic option answers that call by keeping the focus on affordability, while still offering strong cover for the claims that matter.”

Turnberry’s Dynamic option introduces age-banded and individualised rates to make comprehensive cover accessible at a fraction of the cost – starting from just R180 per month. Rates scale across four age bands (0–29, 30–49, 50–64 and 65+) and according to the number of dependants, making the option more flexible than traditional family-rate structures.

Evolving solutions for an evolving market
The Dynamic option complements Turnberry’s existing Synergy, Optimal and Premier plans, and members can seamlessly upgrade as their family circumstances change, without additional waiting periods. For intermediaries, it fills a vital gap in the market, allowing brokers to offer a solution to clients who may previously have forgone gap cover due to cost constraints.

“As medical schemes adjust benefits and co-payments, gap cover must also adapt. The Dynamic option is our latest step in making comprehensive cover accessible, an entry point that ensures clients are covered from day one, rather than waiting until they can afford higher-tier options,” White concludes.

James White – Director Sales and Marketing, Turnberry

Turnberry launches Dynamic option to bridge the affordability gap in medical cover

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Client Testimonials

Turnberry have been absolutely amazing. Mitze was the consultant on our claim and she went above and beyond to assist us. The first claim was submitted online, thereafter when I tried to submit the form for another claim, the online form was not available. However, all claims were emailed to Mitze who ensured they were processed.   If you want exceptional service and a hassel free claim process, use Turnberry.

The service we received Turnberry was outstanding.   If I had to rate your company it would be 10plus!  The turnaround was less than 5-working days – outstanding and so it goes on. Thank you!!!!!  Michael

So far I have been very satisfied with each claim that I have submitted.  I have been emailing my claims directly online on the website, and attaching all the relevant documentation.  Does everyone need Gap Cover? ‘Do it, you never know when you might need it, trust me you won’t want to be without it!’  Tyrone Swart