Optimal Gap Cover is designed especially for individuals under 35 to offer high levels of cover at an affordable premium.
Having medical aid ensures that you are covered for medical expenses that might arise due to accidental injuries which you may have obtained in situations like a car crash, or serious illnesses which require hospitalisation. However, all medical aids have a set amount, also called a tariff, which they will pay for specific medical procedures. When a medical aid states that it pays 100% or 200% this indicates that they pay that percentage of their pre-set tariff. Unfortunately, specialists may charge more than this tariff which results in out-of-pocket expenses for the patient.
This is where gap cover steps up and protects you against these unexpected expenses. Gap Cover will cover the shortfalls that arise when a medical aid doesn't cover what doctors and specialists charge for in-hospital and certain out-of-hospital treatments.
You might ask whether Gap Cover is necessary if
- You are young
- Healthy
- Already have medical aid.
The answer is YES.
In truth, accidents and illnesses can happen at any time, so even though young individuals may be less at risk of falling ill there is still a real risk. The medical bills in private institutions can quickly rack up if you do fall ill or are involved in some kind of accident.
Liberty Optimal Gap Cover is designed especially for individuals under the age of 35 to offer high levels of cover at an affordable premium. Optimal Gap Cover covers up to 400% of the medical aid tariff for in-hospital procedures, co-payments, +/-50 out-of-hospital procedures and Prescribed Minimum Benefit (PMB) shortfalls.
This product is priced at an affordable R225 per month*.
See below examples of medical shortfalls paid by Liberty Gap Cover in 2022 for individuals under the age of 35:
| Procedure | Shortfall Paid |
| Tumour removal surgery | R56 071 |
| Bacterial disease treatment | R56 023 |
| Bone cancer treatment | R49 726 |
| Spinal cord surgery | R49 404 |
| Fracture surgery | R43 812 |
| Sinusitis surgery | R39 846 |
| Bladder surgery | R36 101 |
| Fallopian tube surgery | R31 367 |
For more information or to apply online, please visit Medical Cover.
Liberty Gap Cover is not a medical aid and the cover is not the same as a medical aid. Liberty Gap Cover is not a substitute for medical aid membership.
*Premium mentioned is for 2023. Terms and conditions apply.
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).