GAP COVER

Bridge the gap between what your medical scheme pays and what your medical specialists charge with iWYZE Gap Cover and be protected from the risk of substantial medical expense shortfalls, co-payments and deductibles.

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COVER FOR MEDICAL EXPENSE SHORTFALLS

Medical scheme cover is no longer enough to secure your and your immediate family’s health. iWYZE Gap Cover is the wise solution, designed to boost your medical scheme cover to protect you from being caught off guard with unexpected and large medical expense shortfalls that incurred when your medical scheme cover has fallen short.

 DID YOU KNOW?

Health professionals can charge up to a maximum total amount of five times the medical scheme rate while most medical schemes only cover you for one times the medical scheme rate! This means you would end up worrying about significant and unplanned medical bills, while you should only focus on recovering and restoring your health!

MIND THE GAP

The table below is an illustrative example of how iWYZE Gap Cover could help you to cover those medical expense shortfalls:

Shortfall covered for various Treatments, according to patient age:
C-section

33yrs old - R11 885

Ovarian Cyst

47yrs old - R16 082

Tonsillectomy

6yrs old - R5 826

Cancer

32yrs old - R43 298

Spinal Surgery

46yrs old - R42 760

Wisdom Extraction

24yrs old - R9 387

Hip Replacement

51yrs old - R24 617

Endometriosis

47yrs old - R28 502

Make the wise choice and get iWYZE Gap Cover now to secure your medical expense shortfalls!

iWYZE GAP BENEFITS

Acting wisely when it comes to your healthcare, doesn’t only protect your and your family’s health, but also your pocket! iWYZE Gap Cover offers excellent In-Hospital and Out-of-Hospital benefits to cover extensive medical expense shortfalls for tariffs, oncology, sub-limits, co-payments and deductibles, plus a Benefit Extender in addition to the core benefits.

COVERED EVENTS

Hospitalisation for:

  • Accidental harm, illness or other health incidents.
  • Oncology treatment, including chemotherapy, radiotherapy or other drug regimen.
  • Kidney dialysis.
  • Trauma.

GAP COVER FOR MEDICAL EXPENSE SHORTFALL COVER OPTIONS:

IN-HOSPITAL BENEFITS

In-Hospital Benefits include cover for substantial tariff shortfalls, co-payments or sub-limits, co-payment and deductibles and shortfalls from sub-limits arising from in-hospital consultations, procedures or out-patient oncology treatment.

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IN- AND OUT-OF-HOSPITAL BENEFITS

In- and out-of-hospital benefits include cover for shortfalls on oncology treatment. These shortfalls can be significant and can occur as oncology tariff shortfalls, co-payments or sub-limits.

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OUT-OF-HOSPITAL BENEFITS

Out-of-Hospital Benefits provide cover for tariff shortfalls on surgical procedures, treatments and medical expense shortfalls received as an out-patient, as well as cover for accidental casualty and penalty co-payments.

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BENEFIT EXTENDER

he Benefit Extender was designed to assist with additional benefits (over and above the core benefits) for certain medical events, resulting in additional non-medical expenses that will not be covered by medical scheme. These benefits can be used at own discretion.

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COMPENSATION

The total maximum compensation limit payable for all In-Hospital, In- and Out-of-Hospital, Out-of-Hospital and Benefit Extender benefits will be limited to R150 000 (One hundred and fifty thousand rand) per family member per annum.

*Terms and conditions apply
**Benefit limits are applicable from 1 January 2018