South Africans continue to battle financially as the costs of food, energy, transport, and petrol rise. Many families are being forced to restructure their finances to cope with poor economic growth.Financially savvy folks are eating out less, putting off purchases of high-value items, traveling in lift clubs to work and much more. Medical expenses often come under the spotlight when families are trying to save money.Some families are forced to downgrade to more basic medical aid schemes when they are ...

Once you’ve made the decision that you need gap cover, you need to investigate your options. Gap cover is there to pay the shortfall between what the healthcare provider charges and your medical aid is prepared to pay.Several service providers offer gap cover. Their products differ. Before choosing one, make sure you know what will and won’t be covered.The gap cover claim processFind out how much your medical aid will be paying.You need to be familiar with how your medical ...

Gap cover is becoming increasingly necessary among South Africans who belong to a medical aid. Soaring medical costs mean that medical aids do not always cover the full costs of consultations.Consequently, many South Africans are turning to gap cover products. Most medical aids set an MST (medical scheme tariff) which is the amount they are prepared for the services of private healthcare professionals. However, the actual rates may differ.Enter gap cover, which covers the deficit between the rate charged and ...

The cost of private health care in South Africa has increased considerably over the past decade. The gap between what you’re charged by private specialists and hospitals and what your medical scheme pays out is potentially very high.It can be a problem to afford proper medical care for your whole family. Taking out gap cover is one way to improve your cover.Why do you need Gap cover?A base rate is set by medical aids that medical professionals should charge for ...

Most of us probably think gap cover is important for those with serious illnesses or health risks. We tend to ignore the fact that we are all faced with accidents and emergencies at times.A sudden emergency or accident means there’s no time to plan or save. The shortfall, even when we have a good medical scheme, can put us at a great financial disadvantage for a long time. This is when having Gap cover can really make a difference.Costs of ...

The most common Gap cover claims are for conditions that affect many South Africans. Those who do not have gap cover can suffer serious financial consequences when undergoing treatment for these common issues which often come at a high cost.Rotator cuff injuryOne of the most common Gap cover claims is for a rotator cuff injury. The rotator cuff can become damaged if there has been a trauma to the shoulder but it can also occur with age. The tendons and ...