What is GAP Cover?

GAP Cover is a short-term insurance policy that provides additional financial protection for medical expense shortfalls. It ensures that you are not left out-of-pocket when your medical aid doesn’t fully cover certain treatments, procedures, or specialists’ fees.

Key Features of GAP Cover:

In-Hospital Specialist Shortfalls
Covers the difference between what your medical aid pays and the actual costs charged by specialists during hospital stays.

Co-Payments and Deductibles
Assists with co-payments or excess charges required by your medical aid for certain procedures or hospital admissions.

Oncology Gap Coverage
Protects against additional costs associated with cancer treatments that exceed medical aid limits.

Sub-Limit Cover
Extends coverage for medical expenses that surpass your medical aid’s sub-limits, ensuring you’re never financially compromised.

Emergency Treatment
Provides additional protection for out-of-hospital emergency treatments and procedures.

Who needs GAP Cover?

GAP Cover is essential for anyone with a medical aid plan, particularly:

• Families seeking peace of mind during medical emergencies.
• Individuals undergoing specialized treatments or elective surgeries.
• Seniors managing chronic health conditions with higher medical costs.

STP offers GAP Cover solutions to complement your medical aid, ensuring that you and your family are fully protected. With affordable premiums and comprehensive benefits, we prioritize your financial security and well-being.