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GapAssist

PER Insurance Gap Assist Product Detail

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

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

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

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