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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

Benefit of R30 000 to cover the unexpected costs 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 21 200 per individual per year.

Accidental Death and Permanent Disability Cover

A benefit of R50 000 to cover the unexpected costs.
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
Terms and conditions apply. Standard Bank Insurance Brokers (Pty) Ltd (Reg. No. 1978/002640/07) is an authorised financial services provider (FSP 224) and part of the Standard Bank Group.
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 have 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

  • This benefit of R50 000 is to cover the unexpected costs in the event of accidental death or accidental permanent disability.

Enhanced Cancer Cover: Lump Sum Pay-out 

  • Receive a benefit of R 30 000 to cover unexpected costs for first-time diagnosis with stage 2 cancer or stage 1 prostate cancer where the Gleason score is 8 or higher

Accidental Dentistry Cover 

  • Suffered an accidental blow to the mouth? We'll cover you for R 21 200 per individual per year

Medical scheme and Gap policy premium waiver cover 

  • To cover the loss incurred in the event of accidental death or accidental disability,  you will receive a benefit equal to 12 times your combined GapAssist and Medical Aid premium up to a limit of R105 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
Terms and conditions apply. Standard Bank Insurance Brokers (Pty) Ltd (Reg. No. 1978/002640/07) is an authorised financial services provider (FSP 224) and part of the Standard Bank Group.

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 have 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

  • This benefit of R50 000 is to cover the unexpected costs in the event of accidental death or accidental permanent disability.

Enhanced Cancer Cover: Lump Sum Pay-out 

  • Receive a benefit of R 30 000 to cover unexpected costs for first-time diagnosis with stage 2 cancer or stage 1 prostate cancer where the Gleason score is 8 or higher

Accidental Dentistry Cover 

  • Suffered an accidental blow to the mouth? We'll cover you for R 21 200 per individual per year

Medical scheme and Gap policy premium waiver cover 

  • To cover the loss incurred in the event of accidental death or accidental disability,  you will receive a benefit equal to 12 times your combined GapAssist and Medical Aid premium up to a limit of R105 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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