Gap Cover

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Zestlife >> Gap Cover
  • Up to 500% of Medical Aid Tariff
  • Co-Payment Cover
  • For All Family Members
  • Quick and Convenient Online Application

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A problem medical aid members face is that surgeons, anaesthetists and other specialists often charge substantially more than medical aid rates. When this occurs, you as the medical aid member becomes liable to pay for the shortfall.

The solution is for medical aid members to insure themselves against medical expense shortfalls through either of Zestlife’s top of the range Gap Cover options.

Please note that Gap Cover is not a medical aid or a substitute for medical aid cover. Gap Cover is top-up health insurance that provides cover for medical expense shortfalls that arise when medical aids only cover treatment and/or procedure costs in part.


In addition to the cover described you also have the option to boost your cancer and dentistry cover. These extended cover options address the two most substantial funding shortfall risks that all medical aid members face. We therefore encourage you to study the extended cancer and dentistry cover benefits and consider protecting your dependents and yourself from these risks. Please refer to our brochure for full details.

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Policies underwritten by Guardrisk Insurance Company Ltd. (FSP number 75)
Zestlife is an authorised Financial Services Provider. FSP Number 37485.