Home » Sirago Gap Cover

Welcome to Sirago Gap Cover.

Sirago QUOTES MADE EASY

Sirago Underwriting Managers focus on offering unique Gap Cover products for all South African medical aid members. For more than 20 years Sirago has been operation, and is well known for its affordable options tailored to different needs and budgets.

No Obligation Quotes – Free Brokerage Services

By simply filling in the form provided one of our Gap Cover Experts will contact you via phone or email. Should you take out a Gap Cover policy, you will receive our market leading brokerage services free of charge.

  • Applicants must be a medical aid scheme member.
  • Fill in our easy Gap Cover quote form provided.
  • One of our Sirago experts will contact you right back!

GET A QUOTE TODAY!

sirago gap cover horizontal logo white

Sirago Gap Cover

Get family cover from R251 per month!

Sirago offers Gap Cover for hospitalisation shortfalls including co-payment cover and cover for non-designated service providers for prescribed minimum benefit conditions. Focusing on quality assurance Sirago offers some of the best customer service on the market. Visit Sirago Website >

  • Market leading personalised customer service.
  • Gap Cover for in and out-of-hospital procedures or services.
  • Day-to-day shortfall cover for GP’s, specialists, dentists and therapy.
  • Fast claim settlements, Sirago pays a Stated Benefit directly into your bank account.

Co-payment Cover

Co-payment is the fixed amount excess imposed by your medical aid scheme. This will include specific in or out of hospital procedures, for example CT scans, MRI scans, ultrasound scans and scopes.

Prescribed Minimum Benefits

Prescribed Minimum Benefits (PMBs) are a set of defined benefits to ensure that all medical aid members have access to certain minimum health services. The aim is to provide people with continuous affordable care.

Sirago Products

Benefits & Rand figures displayed are prone to change without notice, contact us for latest benefits & pricing.

Gap-Lite

0 – 64 Years
Individual From R 234 PM
Family From R 251 PM

Benefits

  • R183,000 Per insured person per annum
  • 200% Medical Scheme Tariff
  • Co-payments
  • Penalty fee cover
  • Day Hospital/Clinic/In-room Surgical Procedures
  • PMB Cover
  • Emergency Room Cover
  • Sirago Baby

65+ Years
Individual From R 339 PM
Family From R 386 PM
T&C’s Apply

Gap Assist

0 – 64 Years
Individual From R 322 PM
Family From R 345 PM

Benefits

  • R183,000 Per insured person per annum
  • 500% Medical Scheme Tariff
  • Co-payments
  • Day Hospital/Clinic/In-room Surgical Procedures
  • PMB Cover
  • Hospital Account Shortfalls
  • Emergency Room Cover
  • Appliance Benefit
  • Cancer Co-payment Benefit
  • Cancer Boost Benefit
  • Gap Cover Premium Waiver
  • Sirago Baby

65+ Years
Individual From R 490 PM
Family From R 530 PM
T&C’s Apply

Plus Gap

0 – 64 Years
Individual From R 370 PM
Family From R 442 PM

Benefits

  • R183,000 Per insured person per annum
  • 500% Medical Scheme Tariff
  • Co-payments
  • Co-payments charged as a percentage
  • Penalty Fee Cover
  • Day Hospital/Clinic/In-room Surgical Procedures
  • PMB Cover
  • Hospital Account Shortfalls
  • Sub-limit Enhancer
  • Emergency Room Cover
  • Day-to-day Specialist Consultation Fee
  • Gap Cover Premium Waiver
  • Medical Scheme Premium Waiver
  • Accidental Death
  • Cancer Cover
  • Sirago Baby

65+ Years
Individual From R 561 PM
Family From R 642 PM
T&C’s Apply

Ultimate Gap

0 – 64 Years
Individual From R 472 PM
Family From R 534 PM

Benefits

  • R183,000 Per insured person per annum
  • 500% Medical Scheme Tariff
  • Co-payments
  • Co-payments charged as a percentage
  • Penalty Fee Cover
  • Day Hospital/Clinic/In-room Surgical Procedures
  • PMB Cover
  • Hospital Account Shortfalls
  • Sub-limit Enhancer
  • Step-down
  • Primary Care Consultation Benefits
  • Emergency Room Cover
  • Gap Cover Premium Waiver
  • Medical Scheme Premium Waiver
  • Accidental Death
  • Cancer Cover
  • Sirago Baby

65+ Years
Individual From R 674 PM
Family From R 763 PM
T&C’s Apply

Exact

0 – 64 Years
Individual From R 178 PM
Family From R 204 PM

Benefits

  • R110,000 Per insured person per annum
  • Medical Procedure Cover:
    – Arthroscopic Surgery
    – Back And Neck Surgery
    – Bunion Surgery
    – Cochlear Implant
    – Auditory Brain Implant
    – Internal Nerve Stimulator Surge
    – Dental Reconstruction Procedures
    – Functional Nasal Surgery
    – Joint Replacement Surgery
    – Oesophageal Reflux
    – Hiatus Hernia Surgery
    – Varicose Vein Surgery

This Medical Procedure Cover is limited to the specified procedures listed. Please read through the brochure for pay out limits & exclusions.

65+ Years
Individual From R 359 PM
Family From R 432 PM
T&C’s Apply

Exact + Gap & Co-pay

0 – 64 Years
Individual From R 314 PM
Family From R 361 PM

Benefits

  • R183,000 Per insured person per annum
  • Gap & Co-pay:
  • Gap Cover 300% Medical Scheme Tariff
  • Co-payments
  • Exact:
    R100,000 Per insured person per annum
  • Medical Procedure Cover:
    – Arthroscopic Surgery
    – Back And Neck Surgery
    – Bunion Surgery
    – Cochlear Implant
    – Auditory Brain Implant
    – Internal Nerve Stimulator Surge
    – Dental Reconstruction Procedures
    – Functional Nasal Surgery
    – Joint Replacement Surgery
    – Oesophageal Reflux
    – Hiatus Hernia Surgery
    – Varicose Vein Surgery

The Medical Procedure Cover is limited to the specified procedures listed. Please read through the brochure for pay out limits & exclusions.

65+ Years
Individual From R 634 PM
Family From R 761 PM
T&C’s Apply

Sirago Gov Gap

Government Employee Gap Cover

Gov Gap is a tailor-made product for South African Government employees. You can now easily optimise your premiums & healthcare covered by Persal (personnel salary system) with Gov Gap.

Membership Eligibility

Principal policyholders must be a full time employee of South African Government. In order to be eligible for Gov Gap you will need to have the following:

  • A current Persal number.

The Gov Gap policy will cease when the policyholder turns 65.

sirago gov gap south african government employee gap cover

Gov Gap

0 – 64 Years
Individual From R 324 PM
Family From R 374 PM

Benefits

  • R183,000 Per insured person per annum
  • 500% Medical Scheme Tariff
  • Co-payments
  • Co-payments charged as a percentage
  • Penalty Fee Cover
  • Day Hospital/Clinic/In-room Surgical Procedures
  • PMB Cover
  • Hospital Account Shortfalls
  • Sub-limit Enhancer
  • Emergency Room Cover
  • Day-to-day Specialist Consultation Fee
  • Gap Cover Premium Waiver
  • Medical Scheme Premium Waiver
  • Accidental Death
  • Cancer Cover
  • Sirago Baby

65+ Years
Individual From R 634 PM
Family From R 761 PM
T&C’s Apply

Sirago Gap Cover Waiting Periods

3 Month General Waiting Period

There is a general waiting period of 3 months which is applied to all new policies, this includes additional dependents added to a current policy, except in the event of an accident.

6 Month Waiting Period

  1. Myringotomy and grommets,
  2. Adenoidectomy,
  3. Hysterectomy (unless malignancy can be proven),
  4. Spinal, back, neck and joint related procedures (accidents covered),
  5. MRI scans, CT scans and scopes (accidents covered).

10 Month Waiting Period

  • All pre-existing conditions, diseases or illness that was diagnosed prior to the policy inception,
  • Pregnancy and confinement relating to pregnancy.

12-Month Waiting Period

  • All pre-existing cancer related treatments,

Cookie Policy

This website uses cookies to improve your online experience & measures traffic to this website. See Cookie Policy. Please close to carry on using this website.