TAILORED GAP COVER
for your unique requirements.
Download brochure
Compare options
TAILORED GAP COVER
for your unique requirements.
Download brochure
Compare options
Need gap cover?
Fill in your details and one of our consultants will call you back to take you through our gap cover options.
Explore our gap products
Gap Liberal Cover
For the younger generation.
From
R172
per month
Gap Core Cover
Affordable cover for the family.
From
R360
per month
Gap Assist Cover
Great start to your gap cover.
From
R401
per month
Gov Gap
A tailor-made solution for government employees.
From
R404
per month
Plus Gap
Affordable cover that’s right for you.
From
R466
per month
Ultimate Gap Cover
Our most comprehensive option with an extensive range of benefits.
From
R583
per month
Exact with Gap & Co-pay Cover
Cover for specific procedures with additional gap and co-payment cover.
From
R413
per month
Gap Liberal Cover
For the younger generation.
From
R172
per month
Gap Core Cover
Affordable cover for the family.
From
R360
per month
Gap Assist Cover
Great start to your gap cover.
From
R401
per month
Gov Gap
A tailor-made solution for government employees.
From
R404
per month
Plus Gap
Affordable cover that’s right for you.
From
R466
per month
Ultimate Gap Cover
Our most comprehensive option with an extensive range of benefits.
From
R583
per month
Exact with Gap & Co-pay Cover
Cover for specific procedures with additional gap and co-payment cover.
From
R413
per month
What is
Gap cover?
Gap Cover is the invaluable safety net that covers the shortfall between what medical schemes pay and what specialist doctors charge. Without this, policyholders may find themselves paying for unexpected costs from their own pockets.
Sirago Gap Cover bridges the gap between your medical aid and specialist bills, ensuring you receive the best possible care without financial stress. Our philosophy of continuous improvement means that you are always guaranteed individual attention and superior products, which will meet your needs and exceed your expectations.
Why choose Sirago?
At Sirago we provide a loyal partnership of care and understanding, opening up a new world of possibility.
Personalised customer service
One of the core pillars which our business is founded on is a client-centric approach, translating into exceptional client- service standards with regards to quality and timeliness; efforts to ensure continual improvement and success; and real, appropriate and cost-effective product solutions.
Shortfall cover for day-to-day Specialists, GPs, dentists and alternative therapy
Our core business revolves around the provision of critical benefits to policyholders who are faced with unforeseen medical expense shortfalls, which are not fully covered by their medical schemes.
Cover for in-and out-of-hospital
Cover for hospitalisation shortfalls include gap cover, co-payment cover and cover for the voluntary use of non-designated service providers for prescribed minimum benefit conditions (except in the event of an emergency). Out-of-hospital benefits include cover for the shortfalls resulting from the difference between what medical schemes pay and what day-to-day specialist doctors charge, for appliances and for emergency room treatment as a result of accidents and emergency illness.
A stated benefit is paid straight into your bank account
The stated benefit amount payable is not related to the specific cost of any medical expense shortfall or non-medical expense cover as a result of hospitalisation. Our first priority is to provide our policyholders with the peace of mind to focus on recovery and recuperation, which is why we do our underwriting at application, rather than claims stage.
Sirago Corporate Gap Cover
Sirago Corporate
Gap Cover
Sirago Corporate was designed to specifically meet the needs of the corporate market. We have a highly specialised service team to ensure our brokers, employers and policyholders receive focused responses. Membership is available to employees as part of a group, whether your company offers it on a compulsory or voluntary basis. We appreciate that every group is unique, therefore we premium rate each group using the Sirago Rating Tool.
In-Hospital Benefits
The Gap Cover benefit covers the difference between the medical scheme rate and the rate that service providers charge. We cover an additional 500% of the medical scheme rate.
Out-of-Hospital Benefits
This benefit covers immediate medical treatment due to an accident, trauma or illness at any registered emergency facility.
Cancer Benefits
The Cancer Co-payment benefit incorporates co-payments for ongoing cancer related treatments and co-payments related to biological drugs.
Value-added Benefits
A Premium Waiver benefit may be claimed by the surviving spouse/adult dependant of the current Sirago policy in the event of the death or total permanent disability.
Enquire About Corporate Gap Cover
News & Updates
What’s going on in the world of Gap Cover Insurance
Gap cover claims grow in shortfall quantum during 2020
Gap cover claims grow in shortfall quantum during 2020 An analysis of gap insurance claims paid by…
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Getting to grips with cancer and the financial pitfalls of treatment Nothing quite prepares you for…
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See what our clients have to say
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Client from Cape Town
We just would like to confirm how happy we are with the great service and benefits we have been receiving from SIRAGO. The call centre agents are always polite and very helpful, and all claims have been processed timeously – especially over past few months when we had a number of claims due to Cancer diagnosis – we really appreciate the support received from SIRAGO.
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Durban client
In June my husband fractured his neck and damaged all the vessels at the back of the neck. Surgery was the only option for him to have a chance to recover and walk again. Due to the severity of the injury, extra machines and doctors had to be in theatre. With a severe procedure like this we wanted the top Neurosurgeon and medical staff. My husband’s medical bill for the week in hospital was R270 000, where a shortfall of R70 731 was short paid by the Medical Scheme, however Sirago Gap cover paid this amount in full.
Sirago has been incredible. The claims process was extremely simple. Nothing was too much trouble for Sirago and they were instrumental in allowing me to focus on my husband and not on the accounts which were piling up.
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Wendy
Thank you guys for the excellent service and support.
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Wealth Advisor, PFA
I would like to express my gratitude for your proactive and transparent approach by advising us of the Value Added benefits and explaining everything so clearly. I am very impressed with the service received from your assessment team.
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Lynn
Thank you all in the Sirago client support team for your expediency and care.