Gov-Gap

This product is a tailor made solution for government employees who need to optimise their health care cover portfolio and premiums covered by persal. Subject to your Overall Annual limit (OAL) of R150 000.

INDIVIDUAL
R223 / mon
FAMILY
R256/ mon

Benefits

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Gap Cover: 
500% Subject to OAL
Co-Pay Cover: R40 000 OAL. Limited to R5 000 per claim per beneficiary
Out-Patient Cover: R10 000 OAL. Limited to R3 500 per claim, 3 claims per annum
Emergency Room Cover: R7 500 OAL. Limited to R5 500 Emergency and R2 000 Illness
PMB Cover: R30 000 OAL Per Incident
Cancer Benefit: R100 000 OAL Limited to R25 000 per claim for treatment
Specialist Out-Patient Consultation Fee: R3 600 OAL per policy per annum. R750 per claim, 3 claims per beneficiary
Hospital Account Shortfalls: R5 000 OAL per policy per annum. R1 200 per claim, 3 claims per beneficiary
Sub-Limit Enhancer: R45 000 OAL. R15 000 per incident, maximum 3 claims per policy

The policy wording supercedes any marketing documentation and all benefits will be payable against the policy wording terms and conditions only.

Value Added Benefits

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THESE DO NOT FORM PART OF THE AGGREGATED OAL R150 000 LIMIT.
SPECIFIC WAITING PERIODS APPLY
Cancer Cover (Initial Diagnosis): R5 000 Upon the initial diagnosis of Cancer as defined
Accidental Death Benefit: R5 000 Principal, R5 000 Adult Dependant, R3 000 Child per policy per life
Gap Cover Premium Waiver: In event of Death and or Disability of the Premium Payer only. Credit will be loaded against the policy for a 6 month period
Medical Scheme Premium Waiver: Only in event of Death and or Disability of the Premium Payer only. R2 500 per month for 6 month period
Sira-Go’ Baby: Enjoy an exclusive Sira-go' Baby Welcome Pack
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Sirago Underwriting Managers (Pty) Ltd is an Authorised Financial Services Provider (FSP:4710).
Underwriting Agency for GENRIC Insurance Company Limited (FSP:43638).
GENRIC is an Authorised Financial Services Provider and Registered Short-term Insurer.

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Contact

Tel: 010 599 1163

Fax: 086 508 2292

Email: info@sirago.co.za

Address: Midrand Business Park, Building 3, 563 Old Pretoria Main Road, Midrand, 1685

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