Protect Yourself
from Unexpected
Medical Costs
Protect Yourself from Unexpected
Medical Costs
People usually only care about gap cover after a huge hospital bill shocks them.
- Ubunye prevents that by:
- reviewing your current medical aid
- explaining where you’re exposed to shortfalls
- recommending affordable gap cover that fits your budget.
Gap cover helps you pay the shortfall when hospital bills are higher than what your medical aid covers, preventing financial stress during a medical emergency.
Medical aids don’t always pay for everything, and one often learns about medical shortfalls only after a hospitalisation. We help you avoid financial shocks by explaining your medical aid’s limitations and matching your medical aid to an affordable and effective gap cover.
We ensure you understand what is covered, what is excluded, and when benefits apply.
Why Gap
Cover Matters
- Specialists often charge more than medical aid rates
- Shortfalls can run into thousands of rand
- Gap cover protects your savings during major health events
Our team will explain what each plan includes and guide you every step of the way.
Key Gap Cover Benefits
Covers in-hospital shortfalls
Protects you from unexpected bills
Affordable monthly premiums
Works automatically with your medical aid
Do I need medical aid to get gap cover?
Yes. Gap cover is a top-up product that only works with an existing medical aid. It does not replace medical aid.
What does gap cover actually pay for?
It pays the difference between what your medical aid covers and what healthcare providers charge for in-hospital treatment or certain specialist procedures, up to 800%.
Does gap cover pay for GP visits or day-to-day medical costs?
No. Gap cover is designed for in-hospital-related shortfalls, not everyday medical expenses.
Are there waiting periods?
Some benefits may have waiting periods, especially for pre-existing conditions. Ubunye will help you understand the timelines before you sign up.
Can gap cover help with co-payments?
Yes, many plans include cover for co-payments on certain procedures or hospital admissions, depending on the policy benefits.
What happens when I need to claim?
Once matched with a seamless gap cover for your medical aid, all documentation is processed to both providers for the claim. Ubunye can guide you through the process to make claiming easier.