Extended Family - Medical Gap Cover

The “Family” means the Principal Insured person and the eligible spouse, and eligible children, who have not attained the age of 26 years unless mentally or physically disabled and unable to earn any form of income. Any dependants falling under this deﬁnition are included at no additional cost.

If you have extended family or an additional dependant registered on your Medical Scheme and they do not qualify in terms of our deﬁnition of a “Family” as per the deﬁnition above, you may add them onto your Policy. The cost per each additional extended family member or dependant is detailed below.

Download Brochure 2026 | Comparison Table
Download Brochure 2027 | Comparison Table

Increase in the OAL (Overall Annual Limit) – effective 1st April 2025
National Treasury annually publishes new limits under the Demarcation Regulations. As of 1 April 2025, the limit for medical expense shortfall (Gap) policies has been increased from R210,580.06 to R219,845.96. Turnberry has increased the overall annual limit on all policies we administer with these benefits, with effect from 1 April 2025. Our clients automatically qualify for the adjusted overall annual limit.

Who is covered under the family premium?

The Principal Insured person
Their Spouse (a spouse may be on a different medical aid membership)
Children under the age of 26:
– Children need to be on the medical aid membership of the Principal Insured person or spouse
– Full-time students who are on their own medical aid membership (proof of studies and medical aid membership certificate)
Children over 26 years who are physically or mentally disabled and unable to earn any form of income

Adult Dependants

If you have an Adult Dependant (sibling, parent etc.) on your Medical Aid membership who isn’t covered under the family premium you may add them on to your policy, but you will need to pay an additional premium per month for each Adult Dependant. The premium is listed in the table below

Rates 2026

Product	Ages 26 – 64 (incl) Rate per person	Ages 65 – 79 (incl) Rate per person	Ages 80+ Rate per person
Premier	R189	R613	R781
Optimal	R178	R500	R639
Synergy	R176	R495	R632
Launch	R44	R76	R115
Med-Extend	R163	R616	R787

Rates 2027

Product	Ages 26 – 64 (incl) Rate per person	Ages 65 – 79 (incl) Rate per person	Ages 80+ Rate per person
Premier	R207	R671	R855
Optimal	R195	R548	R700
Synergy	R193	R542	R692
Launch	R48	R83	R126
Med-Extend	R178	R675	R862