Need medical expense shortfall cover?

Zestlife Gap Cover pays the medical expense shortfalls when your medical aid does not cover the the full amount that doctors and specialists charge for in-hospital, and certain out-of-hospital treatments.

While your MediWallet Account will cover your expenses for day-to-day out-of-hospital expenses at any MediWallet Network Partner, Gap Cover will ensure you’re covered for the specialist and in-hospital expenses.

Gap Cover is available to all members of South African registered medical aids (you need to belong to a medical aid). There is no maximum entry age and cover continues without a maximum expiry age.

There are 3 Options to choose from:

Premiums listed valid for 2025 and updated every year on 1 January.

Need more information?

Complete the form below and a Zestlife agent will contact you.

Policy Benefits

The table below provides an overview of the benefits available on each of the policy options.

Optional Cover

You can enhance your Gap Cover policy by adding Extended Cancer Cover with a benefit payout of R120 000 or R240 000 to cover unexpected costs which may arise as a result of the cancer diagnosis.

Underwritten by Guardrisk Insurance Company Limited, an authorised financial services provider (FSP No. 75) and a licensed non-life insurer. Administered by Zestlife, an authorised financial services provider (FSP No. 37485). Please note: Gap Cover is not a medical aid and the cover is not the same as that of a medical aid. This policy is not a substitute for medical aid membership. T&Cs available on www.zestlife.co.za.