Gap Products

Our competitive and affordable products are unparalleled in the market place and are the ideal complement to your overall healthcare portfolio. With a range of insurance solutions, Sirago provides comprehensive effective cover to suit every individual.

Disclaimer:
Gap cover is not a substitute for a medical scheme membership and the cover is not the same as that of a medical scheme. This is a Short-term Insurance Accident and Health policy in terms of the Short-term Insurance Act 53 of 1998. The policy wording supersedes any marketing documentation and all benefits will be payable against the policy wording terms and conditions only.

Ultimate Gap Cover

Our most comprehensive option with an extensive range of benefits.

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Plus Gap Cover

Affordable cover that’s right for you.

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Sirago gap assist cover

Gap Assist Cover

A great start to your gap cover.

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Sirao gap lite cover

Gap-Lite Cover

For the younger generation.

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sirago exact hero

Exact Cover

Cover for specific procedures that your medical scheme excludes.

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Exact with Gap and Co-pay Cover

Cover for specific procedures that your medical scheme excludes, with additional gap and co-payment cover.

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Gov Gap

A tailor-made solution for government employees.

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Gap Cover Comparison

in-hospital gap benefits

In-hospital Benefit Comparison

The Gap products below have an Overall Annual Limit (OAL) of R164 000 per beneficiary​

Ultimate Gap

from R413
Per Month

Benefits

  • R164 000 OAL
  • 500% Gap Cover Additional 500%
  • Co-payments Subject to OAL
  • Co-payments charged as a percentage R16 000 per claim
  • Penalty fee cover R10 500 per claim, max 3 claims per person per annum
  • Day Hospital/Clinic/In-room Surgical Procedures Subject to OAL
  • PMB Cover Subject to OAL
  • Hospital Account Shortfall R5 000, R1 250 per claim, 3 claims per beneficiary
  • Sub-limit Enhancer MRI Scans, CT Scans, Intraocular Lenses and Internal Prosthesis. R100 000, R25 000 per claim. 2 claims per beneficiary, 4 claims per policy per annum
  • Step Down R9 000 per policy
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Plus Gap

from R324
Per Month

Benefits

  • R164 000 OAL
  • 500% Gap Cover Additional 500%, max 600%
  • Co-payments Subject to OA
  • Co-payments charged as a percentage R13 000 per claim
  • Penalty fee cover R6 500 per claim, max 2 claims per person per annum
  • Day Hospital/Clinic/In-room Surgical Procedures Subject to OAL
  • PMB Cover Subject to OAL
  • Hospital Account Shortfall R3 000 per person per annum, R800 per claim, 3 claims per beneficiary
  • Sub-limit Enhancer MRI Scans and CT Scans. R36 000, R12 000 per claim. 2 claims per beneficiary, 3 claims per policy per annum
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Gap Assist

from R278
Per Month

Benefits

  • R164 000 OAL
  • 500% Gap Cover Additional 500%, max 600%
  • Co-payments R42 000, R11 000 per claim
  • Day Hospital/Clinic/In-room Surgical Procedures Subject to OAL
  • PMB Cover R30 000 per claim
  • Hospital Account Shortfall R2 000 per person per annum, R500 per claim, 3 claims per beneficiary
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Gap Lite

from R203
Per Month

Benefits

  • R164 000 OAL
  • 200% Gap Cover Additional 200%
  • Co-payments R25 000, R5 500 per claim
  • Penalty fee cover R3 000 per claim, max 2 claims
  • Day Hospital/Clinic/In-room Surgical Procedures Subject to OAL
  • PMB Cover R50 000 per person per annum, max of R20 000 per claim
get gap cover
out-of-hospital gap benefits

Out-of-Hospital Benefit Comparison

Ultimate Gap

from R413
Per Month

Benefits

  • Primary Care Consultation Benefit R3 750. GP claims x 3 with a R375 limit per consultation. Dental claims x 3 with a R375 limit per consultation. Alternative Therapy x 3 with a limit of R375 per claim per consultation
  • Emergency Room Cover Sub-limit of R12 000. Accident - costs related to the accidental event - stated benefit. Illness - gap portion only. Emergency Illness - costs related to the illness for children under 8 - stated benefit
  • Day-to-day Specialist Consultation Fee R6 500, R1 350 per claim, 4 claims per beneficiary
  • Preventative Care Cover R8 000 sub-limit per policy, R1 200 per claim, 3 claims per beneficiary
  • Appliance Benefit R6 600 per policy per annum
  • Trauma Counselling R5 000, R750 per claim. You will be covered within the first 6 months after a traumatic incident
GET GAP COVER

Plus Gap

from R324
Per Month

Benefits

  • Emergency Room Cover Sub-limit of R7 000. Accident - costs related to the accidental event - stated benefit. Illness - gap portion only
  • Day-to-day Specialist Consultation Fee R4 500, R825 per claim, 3 claims per beneficiary for the gap portion only
  • Preventative Care Cover R4 000 sub-limit per policy, R1 000 per claim, maximum 3 claims per beneficiary per annum
  • Trauma Counselling R3 000, R600 per claim. You will be covered within the first 6 months after a traumatic incident
GET GAP COVER

Gap Assist

from R278
Per Month

Benefits

  • Emergency Room Cover Sub-limit of R4 500. Accident - costs related to the accidental event - stated benefit. Illness - gap portion only
  • Appliance Benefit R3 600 per policy per annum, R1 200 per claim
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Gap Lite

from R203
Per Month

Benefits

  • Emergency Room Cover Sub-limit of R4 000. Accident - costs related to the accidental event - stated benefit. Illness - gap portion only
get gap cover

Cancer Benefits

Ultimate Gap

from R413
Per Month

Benefits

  • Cancer Co-payment Benefit Subject to OAL
  • Cancer Benefit - Boost R100 000 per beneficiary
  • Cancer Benefit - Breast Reconstruction 300%, R25 000 for the reconstruction of the non-affected breast
  • Cancer Benefit - PMB Subject to OAL
GET GAP COVER

Plus Gap

from R324
Per Month

Benefits

  • Cancer Co-payment Benefit Subject to OAL
  • Cancer Benefit - Boost R50 000 per beneficiary
  • Cancer Benefit - Breast Reconstruction 200%, R16 000 for the reconstruction of the non-affected breast
  • Cancer Benefit - PMB Subject to OAL
GET GAP COVER

Gap Assist

from R278
Per Month

Benefits

  • Cancer Co-payment Benefit R100 000, R15 000 per claim
  • Cancer Benefit - Boost R50 000 per beneficiary
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Gap Lite

from R203
Per Month

No Benefits

Value Added Benefits

Ultimate Gap

from R413
Per Month

Benefits

  • Gap Cover Premium Waiver 12-month period
  • Medical Scheme Premium Waiver R4 500 pm for a 6-month period
  • Accidental Death Principle R15 000, Adult R10 000, Child R5 000
  • Cancer Cover (Initial Diagnosis) Lump sum of R22 500
  • Sira-Go' Baby A branded Sirago welcome gift
GET GAP COVER

Plus Gap

from R324
Per Month

Benefits

  • Gap Cover Premium Waiver 12-month period
  • Medical Scheme Premium Waiver R3 250 pm for a 6-month period
  • Accidental Death Principle R8 000, Adult R5 000, Child R3 000
  • Cancer Cover (Initial Diagnosis) Lump sum of R14 000
  • Sira-Go' Baby A branded Sirago welcome gift
GET GAP COVER

Gap Assist

from R278
Per Month

Benefits

  • Gap Cover Premium Waiver 6-month period
  • Sira-Go' Baby A branded Sirago welcome gift
get gap cover

Gap Lite

from R203
Per Month

Benefits

  • Sira-Go' Baby A branded Sirago welcome gift
get gap cover

Get a Gap Cover solution that's tailored for your unique requirements

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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.

Contact

  • Block B, Western Entrance, Lynnwood Corporate Park, 36 Alkantrant Road, Lynnwood Ridge, 0081
  • 010 599 1163
  • info@sirago.co.za

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