Kaelo Gap
Kaelo Gap About


Gap cover is a short term insurance product that helps you cover certain cost shortfalls that your medical aid does not cover. These medical shortfalls occur when your selected doctor or medical specialist charges rates that are more than what your medical aid will pay for. These shortfalls vary according to the fees charged by a medical specialist and the nature of the procedure required. Kaelo Gap provides security regardless of the medical aid plan or option selected. This freedom allows patients to select the very best doctors without having to worry about whether the medical bills will be fully covered by the medical aid.

Kaelo Gap Benefits


GAP cover is essential due to the high cost of specialist treatments and above-inflation increases, meaning that more people are at risk of being left behind and excluded from the quality medical care they need and deserve.

Many medical disciplines are increasing their charges at a rate much higher than that of inflation, some up to 500% of medical aid rates. Patients and their families are required to meet the cost shortfalls that exist between what their medical aid covers and the actual charge of the specialist.

Centriq Insurance
Kaelo Gap Benefits


Core Benefits
  • Tariff Shortfalls
  • Co-Payments and Deductibles
  • Shortfalls from Sub-Limits
  • Oncology Tariff Shortfalls
  • Oncology Sub-Limits
  • Oncology Co-Payments
  • Out-of-Hospital Tariff
  • Accidental Casualty
Other Benefits
  • Penalty Co-Payment
  • Innovative Medicines
Benefit Extenders
  • Family Booster
  • Hospital Booster
  • Family Protector
  • Dental Reconstruction Benefit
  • Medical Scheme Contribution Waiver
  • Road Accident Fund Claims
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