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Welcome to Stratum Gap Cover.

Stratum QUOTES MADE EASY

Stratum Benefits have been providing individuals, families, and businesses with affordable gap cover plans for over 10 years. We are guaranteed to help you with a wide range of comprehensive gap cover products tailored perfectly to suit your budget.

No Obligation Quotes • Free Broker 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.

  • You currently belong to a medical aid scheme.
  • Fill out the quote form provided.
  • One of our experts will contact you right back!

GET A QUOTE TODAY!

Created by potrace 1.10, written by Peter Selinger 2001-2011 Stratum Gap Cover

Get individual Gap Cover* from as little as R234 a month!

Stratum Benefits have been offering award-winning Medical Aid Gap Cover for over a decade. For two years running, Stratum has won the FIA’s Product Supplier of the Year award. Visit Stratum Website >

  • 2016 Health Insurance Product Supplier of the Year
  • 2017 Health Insurance Product Supplier of the Year

With a range of affordable products, Stratum offers Gap Cover to suit every budget. No matter what Gap Cover* option you select, your cover will include:

  • Accidental disability or death
  • First time cancer diagnosis

Accidental Disability Or Death

You, your spouse and your dependents will be covered in the event of accidental disability or death. Stratum pays out a benefit amount should either of you become permanently disabled or passes away due to an accident.

First-time Cancer Diagnosis

Cancer is unfortunately on the increase and can be life altering should you not have cover. Stratum understands this and includes a payout benefit for members diagnosed with cancer for the first time in their life after taking out a policy.

Created by potrace 1.10, written by Peter Selinger 2001-2011 Stratum Benefits
Gap Cover* From R 234 PM

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

Base

Up to 64 y/o
Individual From R 234.00 p/m
Per Family From R 275.00 p/m

Key Benefits

  • R 177,835 Per insured person per annum
  • Gap Cover 500% Medical Scheme Tariff
  • Casualty Cover
  • Trauma Counselling Cover
  • Payout Benefits:
    – Accidental Disability Or Death
    – First-time Cancer Diagnosis
  • Lifestyle Benefits:
    – Extra High School Learning
    – Fuel Rewards
    – International Travel Insurance

65+ y/o – From R 454 p/m
per individual or family

T&C Apply

Compact300

Up to 64 y/o
Individual From R 257.00 p/m
Per Family From R 311.00 p/m

Key Benefits

  • R 177,835 Per insured person per annum
  • Gap Cover 300% Medical Scheme Tariff
  • Casualty Cover
  • Trauma Counselling Cover
  • Payout Benefits:
    – Accidental Disability Or Death
    – First-time Cancer Diagnosis
  • Lifestyle Benefits:
    – Extra High School Learning
    – Fuel Rewards
    – International Travel Insurance

65+ y/o – From R 490 p/m
per individual or family

T&C Apply

Elite

Up to 64 y/o
Individual From R 376.00 p/m
Per Family From R 461.00 p/m

Key Benefits

  • R 177,835 Per insured person per annum
  • Gap Cover 500% Medical Scheme Tariff
  • Co-payment Cover:
    – Admissions & Procedures
    – Use Of A Non-network Hospital
  • Sub-limit Cover:
    – Internal Prosthetic Devices
    – MRI And CT Scans
  • Cancer Treatment Shortfalls
  • Cancer Treatment Top-up
  • Casualty Cover
  • Trauma Counselling Cover
  • Payout Benefits:
    – Accidental Disability Or Death
    – First-time Cancer Diagnosis
  • Lifestyle Benefits:
    – Extra High School Learning
    – Fuel Rewards

65+ y/o
From R 610 p/m per individual
or from R 745 p/m per family

T&C Apply



Created by potrace 1.10, written by Peter Selinger 2001-2011 Booster Options

Access Optimiser

Up to 64 y/o
Individual or Family From R 155.00 p/m

Key Benefits

  • R 177,835 Per insured person per annum
  • Access Cover:
    – 15 Listed medical procedures/events not covered by your medical aid
  • Casualty Cover
  • Payout Benefits:
    – Accidental Disability Or Death
  • Lifestyle Benefits:
    – Extra High School Learning
    – Fuel Rewards

Individual or Family From R 207.00 p/m

T&C Apply



Access Co-Pay Plus300

Up to 64 y/o
Individual or Family From R 320.00 p/m

Key Benefits

  • R 177,835 Per insured person per annum
  • Access Cover:
    – 15 Listed medical procedures/events not covered by your medical aid
  • Additional 300% Gap Cover
  • Co-pay Cover
  • Casualty Cover
  • Payout Benefits:
    – Accidental Disability Or Death
  • Lifestyle Benefits:
    – Extra High School Learning
    – Fuel Rewards

Individual or Family From R 425.00 p/m

T&C Apply



Stratum Gap Cover Waiting Periods

General 3 Month Waiting Period

You, or your dependents will not be covered during this period, unless you claim for accidental events that occur after your policy start date.

12 Month Pre-existing Waiting Period

There is a 12-month pre-existing waiting period where you, or your dependents, are not covered for medical procedures, surgeries, or treatments. Any illness or medical condition that was diagnosed, received advice for or treatment for within 12 months before the start date of your cover.

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