Do you have a Gap Cover policy?

Do you have a Gap Cover policy?

  • Yes

    Votes: 121 50.2%

  • No

    Votes: 114 47.3%

  • Other

    Votes: 6 2.5%
  • Total voters
    241
saturnz said:
well lets see, the last claim I had involved a month of hospitalisation and 4 or 5 months of after care, the total medical bill came to R300k

my savings in my medical aid already is over that, so I'm going to take my chances

my thoughts on pensions was also described as daft on this forum, and now years later my thoughts are starting to manifest
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Only reading thread now, so don't know what later responses are , but I shudder to think what the costs have been for the guest that is recuperating at my home .she has been in and out of hospital and is currently again in high care. Fees in the last year was over a million. Don't know what the current bill is. 4 specialists see her daily. Currently near renal failure and it's not fun. She would not have got this care in state - that's for sure.

Waiting to see what this bill is going to be.

Simply put, having your own fund can make sense if you are young, but God forbid, you have an accident , or pick up cancer or something unexpected. I heard some some cancer drugs cost R250k a month (not that most medical aids even cover a portion of it)

Good luck to you.

PS. I say this knowing all insurance is a grudge purchase.
 
Just opted for a hospital plan. It seems like paying in cash for doctors visits etc is cheaper than taking out cover.
 
W@P said:
I am about to see a neurosurgeon and upon making the appointment they specifically ask for your gap cover details. I left it empty.

As soon as they know you have GAP they naai the fees.
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Never ever tell any medical service provider that you have Gap cover. The wife had to go for shoulder keyhole surgery a while ago. The doctor/surgeon quoted over R 50k when he thought we had Gap. His price came down to around R 15k when I told him we don't. Discovery paid him in full.
 
Katelknaap said:
Never ever tell any medical service provider that you have Gap cover. The wife had to go for shoulder keyhole surgery a while ago. The doctor/surgeon quoted over R 50k when he thought we had Gap. His price came down to around R 15k when I told him we don't. Discovery paid him in full.
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Die bliksems
 
Had Gap cover few years ago but cancelled it. Needed it when I went for open heart surgery nearly 2 years ago. Cardiothoracic surgeon agreed to only charge medical aid tariff but the Anesthesiologist and the Cardiovascular Perfusionist charged their full tariffs that was something like 300%. So it cost me a pretty penny in the end. Will get some cover again this year.
 
RedViking said:
Would have liked to get gap, but just had another increase in medical aid the cheapest and most limited plan on discovery but still costing an arm and a leg.
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Our medical aid of which the missus is the main member increased with 19% this year and the benefits with only 6,5%. Changed to lower option from February and will get Gap cover.
 
SlowInternet said:
Our medical aid of which the missus is the main member increased with 19% this year and the benefits with only 6,5%. Changed to lower option from February and will get Gap cover.
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Yeah, I am currently on the lowest. Will try keep it for as long as possible. If work doesn't come in I will have to cancel to further cut costs.
 
RedViking said:
Yeah, I am currently on the lowest. Will try keep it for as long as possible. If work doesn't come in I will have to cancel to further cut costs.
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The missus is working for the Government so we can only use the 1 medical aid. If we decide to use another private medical aid her employer's contribution falls away.
 
SlowInternet said:
The missus is working for the Government so we can only use the 1 medical aid. If we decide to use another private medical aid her employer's contribution falls away.
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GEMS/POLMED with an employer contribution is sooo worth it when compared to the other medical aid schemes.

I know for POLMED, one could be paying about R1000 per month and getting benefits which you'd have to pay R4500 per month on Discovery/Momentum.
 
Dylan_G said:
GEMS/POLMED with an employer contribution is sooo worth it when compared to the other medical aid schemes.

I know for POLMED, one could be paying about R1000 per month and getting benefits which you'd have to pay R4500 per month on Discovery/Momentum.
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You are correct when it's compared to other medical aid schemes.

The missus and I are on GEMS on the top package because of the benefits and my chronic heart condition. On this package we get like R12500 per person per year for GP's, Specialist visits, blood tests and Xrays. A yearly visit to my Cardiologist costs R6k. So half my benefits gone in beginning of the year. Dental, Optical and Medication have separate benefits.

She currently pays R12250 p/m of which the work contributes about R3600.
 
SlowInternet said:
The missus is working for the Government so we can only use the 1 medical aid. If we decide to use another private medical aid her employer's contribution falls away.
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Getting Gap cover will not affect your current medical aid as Gap is not the same as medical aid.
 
hell yes.

I don't know how that other guy on here said his coastal core = 100% plan paid for everything and he literally had a few grand after some serious major ops.. that doesn't add up to me.
Yes I do know if you beg and plead with your doctors they "might" reduce their bills a bit, but you are always going to be short.

I've just come out of hospital for a minor surgery, so far it's around R50,000 = no overnight! The surgeon was 400%, the anesthetist was 380%, I haven't even got the hospital bill yet!

My plan is 100% plus I have a 500% gap cover, so I have 600% cover... yes it's madness and retarded!

But if you don't have gap, this would have cost me a fortune!
I think maybe the other guy who has paid almost nothing, doesn't realise that he paid from his MSA account.

I think a lot of people don't realise how expensive medical injuries are.
 
I've heard of many instances where hospital stays are covered near in full by Discovery on hospital plans with no gap cover. It’s just luck of the draw and also depends how much specialised surgery was needed. It also depends on the ethos of the hospital itself and the segment they serve, if the hospital is in an upmarket densely populated urban area you can be assured that many rates will be higher than equivalent hospitals in other areas.
 
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