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.
Underwritten by Compass Insurance Company Limited (“Compass Insure”), a licensed non-life insurer and authorised financial services provider, FSP 12148.
X Underwriting Managers (Pty) Ltd acts as authorised representative providing administrative and intermediary services on behalf of Compass Insure.
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.
Two plans designed to protect you and your family from unexpected medical shortfalls, both with full access to our comprehensive benefit suite.
Designed around the realities of private healthcare in South Africa, where shortfalls are common and the cost of being unprepared is high.
Protect yourself and your family against unexpected medical shortfalls. Simple, affordable gap cover designed for South Africans.