X Gap Cover bridges the gap between what your medical aid pays and what doctors and specialists actually charge. Simple claims, quick payments, exceptional service.
X Underwriting Managers (Pty) Ltd is an Authorised Financial Services Provider, FSP 55527. Underwritten by Compass Insurance Company Limited (“Compass Insure”), a licensed non-life insurer and authorised financial services provider, FSP 12148.
X Gap Cover is not a medical scheme.
Your medical scheme covers your treatment according to their own rates and benefits, settling their portion of the specialist or hospital account.
When providers charge more than your scheme rate, you are left with a shortfall. This amount, often thousands of rands, comes directly out of your own pocket.
Our gap cover pays towards the difference, subject to policy limits, protecting you from unexpected medical costs and giving you genuine peace of mind.
Every plan carries the same R223 000 Overall Annual Limit and the same 500% in-hospital gap benefit. What differs is the breadth of cover, and how the premium is worked out.
Designed around the realities of private healthcare in South Africa, where shortfalls are common and the cost of being unprepared is high.
Register as an accredited broker, or book a live walkthrough of the Xcelerate administration platform.
Protect yourself and your family against unexpected medical shortfalls. Simple, affordable gap cover designed for South Africans.