As part of our annual price increase, please take note that our new prices for GapCare will take effect from 1 January 2026.
R345pm
Even with medical aid, unexpected costs can arise. NetcarePlus GapCare protects you from specialist shortfalls, with extra support for day-to-day care and unlimited Netcare hospital admissions without co-payments.
This is not a medical scheme, and the cover is not the same as that of a medical scheme. This insurance product is not a substitute for medical scheme membership.
Discover more about NetcarePlus GapCare and why you need gap cover.
You'll be covered for any approved admissions in a day clinic or hospital, plus against shortfalls for specialist consultations, treatment and procedures when you're not admitted to hospital.
All examples shown are for illustrative purposes only. Claims covered by GapCare will depend on your medical aid payouts and the benefits available as part of your GapCare policy.
With NetcarePlus GapCare, you get access to all of Netcare's facilities, plus access to any other hospital, so you can get the care you need without worrying about medical aid network limitations.
NetcarePlus GapCare covers you against shortfalls for injuries and illnesses in an emergency department, 24/7.
NetcarePlus GapCare covers you against shortfalls during pregnancy, childbirth and after your baby is born.
Hover over the graphs to see how our cover goes beyond medical aid limits.
Tap on the graphs to see how our cover goes beyond medical aid limits.
Gap cover is basically top-up insurance for your medical aid. It bridges the gap between medical expenses and what your medical scheme covers.
Without gap cover, you'll have to pay for these expenses out of your own pocket.
Medical aids set an annual rate that is paid to specialists for every procedure. Based on your medical aid option, you can be covered for up to 300% of the medical aid rate.
Specialists usually charge more than what your medical aid covers, causing a shortfall between their rate and what your medical aid covers.
This is when gap cover kicks in, protecting you against unexpected expenses.
Lindiwe is unsure of which specialist to see to have her wisdom teeth removed, so she gets a recommendation from her dentist.
The specialist who Lindiwe is referred to does not practise at a hospital in her medical aid network.
For her own peace of mind, Lindiwe decides to book an appointment with the recommended specialist.
If Lindiwe did not have gap cover, she would've had to pay R10 002 out of her pocket for a simple day surgery.
With NetcarePlus GapCare, not only are you covered against shortfalls in your medical aid, but you also have the freedom to choose specialists and hospitals based on your needs.
Lindiwe, 35
Wisdom teeth removal
With NetcarePlus GapCare, you'll be covered for the following benefits and more.
You'll be covered for specialist shortfalls for any approved admission in a hospital or in a day clinic. Plus, we'll also take care of consultations while you're admitted in hospital.
You'll be protected against upfront co-payments for certain day procedures, like scopes or scans performed in hospital or a day clinic.
You'll be covered for co-payments for cancer treatments beyond the limits of your medical aid's oncology benefit. Plus, shortfalls when using providers outside of your medical aid network.
You'll get unlimited cover for co-payments when you use a Netcare hospital outside of your medical aid network.
You'll receive emergency medical treatment for injuries and emergency illnesses, beyond the cover of your medical aid.
Your medical specialist shortfalls will be covered for consultations and treatment, when you are not admitted to hospital.
You'll be covered for specialist consultations if referred by your GP, including cover for radiology, pathology, as well as basic and specialised dentistry once you've reached your day-to-day limits.
You'll be protected against maternity costs beyond medical aid limits, even if your pregnancy is high-risk. Plus, we take on shortfalls for prenatal consultations, private ward costs, and baby's first hearing screening and immunisations.
Out-of-network hospital co-payments
An extended stay in a mental health facility
Charges above medical aid sub-limits
Shortfalls in trauma counselling
Quick turnaround time on claims
Premium waiver
Choose from three levels of cover based on your needs and budget.
Cover for in-hospital and other common shortfalls up to an additional 500% of the medical aid tariffs.
Perfect for employer groups and students.
R345
500%
If you don't have medical savings left or you've reached the limits of your day-to-day benefits, we'll make more of your medical aid by covering:
You'll be covered for shortfalls for prenatal consultations with your gynaecologist or obstetrician. Plus, when you've run out of medical aid savings or if you've reached your day-to-day benefit sub-limit, you'll be covered for:
You'll be covered against shortfalls for specialist consultations, treatment and procedures when you're not admitted to hospital.
You'll be covered for co-payments for certain scopes and scans performed in hospital or at a day clinic. And if you've settled a co-payment from your medical savings, we'll reimburse you for the cost.
You'll have unlimited cover for co-payments when admitted to a Netcare hospital, outside of your medical aid network. Plus, you'll get one hospital stay up to R10 000 per annum at any hospital outside of your medical aid network.
You'll be protected against shortfalls for certain in-hospital procedures, for prosthetic devices, a stay in a mental health institution, rehab, step-down or sub-acute facility – up to a maximum of R35 000 per annum – once your medical aid's sub-limits have been reached.
You'll be protected against shortfalls in cancer treatment when you use a provider outside of your medical aid's network.
You don't have to worry about co-payments applied by your medical aid, because you'll be covered for that too - even when you reach the limits of your medical aid's oncology benefit.
When you need emergency medical treatment, we'll make more of your medical aid by covering:
You'll be covered for the cost of emergency medical treatment in the emergency department of a hospital, including:
Should you pass away or become totally and permanently disabled due to an accident, we'll take care of your NetcarePlus GapCare premiums for six months, up to a maximum of R5 000 per month.
Should you pass away or become totally and permanently disabled due to an accident, we'll take care of your medical aid contributions for six months, up to a maximum of R5 000 per month.
You'll be covered for counselling with a registered counsellor, psychologist or psychiatrist when you have run out of medical aid savings or if you've reached your day-to-day benefit sub-limit.
Cover for in-hospital and other common shortfalls PLUS out of hospital shortfalls, up to an additional 300% of the medical aid tariffs.
Perfect if you belong to a comprehensive medical scheme.
R410
300%
Cover for in-hospital and other common shortfalls PLUS out of hospital shortfalls, up to an additional 500% of medical aid tariffs.
Perfect if you belong to a medical scheme with network limits.
R450
Get an online quote in three easy steps.
Complete the questions below to get an online quote.
Complete the steps below to apply for NetcarePlus GapCare.
GapCare is only available if you have medical aid. Our EmergencyCare covers you for injuries and emergency illnesses, without medical aid.
All prices shown are based on the information provided by you. Waiting periods may be applied once we process your application.
Below is more information on the range of gap cover products available from NetcarePlus.
R315
R375
R415
Our EmergencyCare covers you for injuries and emergency illnesses, without medical aid.
You'll be protected against shortfalls for certain in-hospital procedures, for prosthetic devices, a stay in a mental health institution, rehab, step-down or sub-acute facility - up to a maximum of R35 000 per annum - once your medical aid's sub-limits have been reached.
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These details must be of the main member of the medical aid.
Gap cover dependants must be insured on the main member's medical aid.
We will accept either your policy schedule or a letter from your insurer as proof of existing gap cover:
Waiting periods will be applicable if you and your dependants were not previously covered on a gap cover policy:
Please refer to your policy schedule for the waiting periods specific to your policy.
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Let's help you get cover by requesting a callback.
Gender
Female
Date of birth
01 Jan 1988
Contact number
012 345 6789
ID number
960000123495
Email address
[email protected]
Medical aid
Discovery Essential Saver
There will be a price increase on 1 January 2024.
GapCare
Total
Policyholder
Sarah Jones
Age
24
Note: Changing certain details will change the quote
Underwritten by The Hollard Insurance Co. Ltd, a Licensed Non-Life Insurer and Auth. FSP. NetcarePlus is an Auth. FSP.
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Please update your details to get an accurate quote.
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You have successfully completed your application for NetcarePlus GapCare 300+. Your policy documents will be sent within 48 hours to this email address: WY********GMAIL.COM
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Need help or have questions?
Email our team at [email protected] or contact us on 0860 101 151
Underwritten by The Hollard Insurance Co. Ltd, a Licensed Non-Life Insurer and Auth.FSP. NetcarePlus is an Auth.FSP.
Accepting the DebiCheck request ensures that the correct debit order amount is processed to your account, and that you are protected against fraudulent debit orders.
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Watch the video to learn more about GapCare and how it benefits you.
Add value to your employees' lives and attract new talent, by offering gap cover that makes more of their medical aid and gives them access to Netcare's world-class specialists and hospitals.
Get the daily care you need with access to Netcare's world-class doctors, dentists and optometrists.
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