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, often for a very specific and necessary procedure or treatment.

These shortfalls vary according to the fees charged by the medical specialist and the nature of the procedure required.


The high cost of specialist treatments and above-inflation increases means 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 specialists now charge up to 500% of medical aid rates, meaning that 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.

Gap cover provides:

Peace of mind from knowing your medical bills will be paid in accordance with your policy cover.

Less financial concern in emergency situations.

It ensures decision making is based on medical needs, not budget constraints.


At Kaelo, we understand the importance of having access to private, quality healthcare without having to consider cost.

Kaelo Gap provides exactly such freedom, a right of choice to the very best doctors without having to worry about whether the medical bills will be fully covered by the medical aid.

Regardless of the medical aid and plan option selected, Kaelo Gap provides that security.


This is not a medical scheme and the cover is not the same as that of a medical scheme. This policy is not a substitute for medical scheme membership.

Please refer to the full product brochure for Comprehensive information on Kaelo Gap.

Kaelo Risk (Pty) Ltd is an authorised financial services provider (FSP:36931).

This product is underwritten by Centriq Insurance Company Limited (FSP:3417).

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