GapAssist

Self-payment gap on your medical aid keeps increasing? We have a solution for you

Some of the benefits

Trauma Counselling Cover

Have you had a traumatic incident in the last 6 months? We’ll cover your counselling sessions*
*R 750 per session covered

Enhanced Cancer Cover

Lump sum cover of R 30 000 in the event of first-time diagnosis with stage 2 cancer

Accidental Dentistry Cover

Suffered an accidental blow to the mouth? We’ll cover you for R 19 500 per individual per year

Accidental Death and Permanent Disability Cover

This will cover you for a lump sum payment of R 50 000

How it works

Medical aid members face the problem of having to pay for their medical expense’s shortfall (self-payment gap). This arises due to specialists charging more than the amount covered by a medical aid scheme.

We cover you with two medical shortfall options:

Universal GapAssist - comprehensive cover which includes extensive financial protection against a wide range of health risks
Essential GapAssist - affordable cover for the most frequent medical expense shortfalls which includes additional financial protection for selected health risks

What is covered

In-hospital cover for doctor and specialist shortfalls

Out-of-hospital cover for doctor and specialist shortfalls (for approximately 50 out-of-hospital treatments)
Medical scheme co-payment cover for hospital admissions, scans and certain surgical procedures
Emergency room cover for accidental injury
Robotic Medical Procedure cover
In addition, Universal GapAssist includes non-network co-payment cover, enhanced cancer cover, internal prosthesis and artificial joint cover as well as in-hospital dentistry cover

Health insurance benefits include:

Trauma counselling cover

Did you had a traumatic incident in the last 6 months? This includes being a witness of an act of violence or a traumatic accident. We'll cover your counselling for R750 per session for 6 months thereafter

Accidental death and permanent disability cover

You'll be covered with a lump sum cover of R 50 000

Enhanced Cancer Cover: Lump Sum Pay-out (Universal GapAssist only)

You'll be covered with a lump sum cover of R 30 000 for first-time diagnosis with stage 2 cancer

Accidental Dentistry Cover (Universal GapAssist only)

Suffered an accidental blow to the mouth? We'll cover you for R 19 500 per individual per year

Medical scheme and Gap policy premium waiver cover (Universal GapAssist only)

In the event of accidental death or accidental disability, we’ll pay out a lump sum equal to 12 times your combined
GapAssist and Medical Aid premium up to a limit of R100 000.

See our GapAssist brochure for more information and T&Cs.

What it costs

Let us call you back and give you a personalised obligation-free quote

How to claim

Contact us on on (021) 180 4220/0860 009 378 or email [email protected]
Zestlife is a Standard Bank trusted third-party provider

How it works
What is covered
What it costs
How to claim

We cover you with two medical shortfall options:

Universal GapAssist - comprehensive cover which includes extensive financial protection against a wide range of health risks
Essential GapAssist - affordable cover for the most frequent medical expense shortfalls which includes additional financial protection for selected health risks

In-hospital cover for doctor and specialist shortfalls

Out-of-hospital cover for doctor and specialist shortfalls (for approximately 50 out-of-hospital treatments)
Medical scheme co-payment cover for hospital admissions, scans and certain surgical procedures
Emergency room cover for accidental injury
Robotic Medical Procedure cover
In addition, Universal GapAssist includes non-network co-payment cover, enhanced cancer cover, internal prosthesis and artificial joint cover as well as in-hospital dentistry cover

Health insurance benefits include:

Trauma counselling cover

Did you had a traumatic incident in the last 6 months? This includes being a witness of an act of violence or a traumatic accident. We'll cover your counselling for R750 per session for 6 months thereafter

Accidental death and permanent disability cover

You'll be covered with a lump sum cover of R 50 000

Enhanced Cancer Cover: Lump Sum Pay-out (Universal GapAssist only)

You'll be covered with a lump sum cover of R 30 000 for first-time diagnosis with stage 2 cancer

Accidental Dentistry Cover (Universal GapAssist only)

Suffered an accidental blow to the mouth? We'll cover you for R 19 500 per individual per year

Medical scheme and Gap policy premium waiver cover (Universal GapAssist only)

In the event of accidental death or accidental disability, we’ll pay out a lump sum equal to 12 times your combined
GapAssist and Medical Aid premium up to a limit of R100 000.

See our GapAssist brochure for more information and T&Cs.

Let us call you back and give you a personalised obligation-free quote

Contact us on on (021) 180 4220/0860 009 378 or email [email protected]
Zestlife is a Standard Bank trusted third-party provider

We also offer

Salary Protection

Apply for the amount of cover you need to pay your bills and cover your expenses if you can't work due to illness or injury.

Tell me more

Personal accident plan

Give your family the financial security of a lump-sum payout in the event of your death or permanent disability due to an accident.