Welcome to Stratum Gap Cover.
Stratum QUOTES MADE EASY
Stratum Gap Cover: 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!
Page Contents
Stratum Gap Cover
Get individual Gap Cover* from as little as R228 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.
2024 Updates
STRATUM BENEFITS
GAP COVER SERIES
Please note: the brochures in the comparison tables below still have to be updated for 2023.
We will update the links as soon as Stratum has updated their website.
Stratum Benefits Gap Cover
2024 Updates
Benefits & Rand figures displayed are prone to change without notice, contact us for latest benefits & pricing.
Meridian400
Up 35 y/o* | 36 to 64 y/o
Individual From R228 | R292 p/m
Per Family From R292.00 p/m
Key Benefits
- R 198,660 Per insured person per annum
- Gap Cover 400% 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 R636 p/m
per individual or family
T&C Apply
Compact300
Up to 64 y/o
Individual From R301.00 p/m
Per Family From R364.00 p/m
Key Benefits
- R 198,660 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 574 p/m
per individual or family
T&C Apply
Elite500
Up to 64 y/o
Individual From R438.00 p/m
Per Family From R538.00 p/m
Key Benefits
- R 198,660 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 712 p/m per individual
or from R 869 p/m per family
T&C Apply
Booster Options
Access Optimiser
Up to 64 y/o
Individual or Family From R 179.00 p/m
Key Benefits
- R 198,660 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
65+ y/o Individual or Family
From R 279.00 p/m
T&C Apply
Access Co-Pay Plus300
Up to 64 y/o
Individual or Family From R 334.00 p/m
Key Benefits
- R 198,660 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
65+ y/o Individual or Family
From R 459.00 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.