Gap Basic Cover

Gap Basic Cover

Cura’s Gap Basic Cover includes Gap cover from 100% up to 500% Medical scheme tariff, co-payments or deductibles claimed by health service providers for treatment received whilst a covered member is an in-patient and a Casualty Benefit.

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.

What does Cura Gap Basic Cover entail?

cover annual limit Benefit description
Overall annual limit of R173 000.00 per insured
Gap Cover No penalty shortfalls will be covered under this policy.

Pays from 100% to 500% of scheme tariff for shortfalls incurred as a result of service providers billing higher tariffs than scheme tariffs for in-hospital procedures/services.

Pays from 100% to 500% of scheme tariff for reconstruction due to a mastectomy, provided that cancer is diagnosed after inception of the Cura policy.

Co-payment waiver (whilst as an in-patient)

R30 000.00 per family per annum.
No penalty co-payments will be covered under this policy

A benefit equal to the charges in the form of a co-payment or deductible applied for treatment received whilst as an in-patient (including co-payments on MRI and CT scans in hospital).
Casualty Benefit R7 500.00 per family per annum The cost of a medical or a surgical procedure following an emergency incurred in the casualty unit of a hospital where such costs are not covered by the medical scheme

Waiting periods:

  • A 3 months’ general waiting period applies
  • A 12 months’ waiting period applies for pre-existing conditions
  • A 9 months’ waiting period applies to pregnancy
  • An underwriting process will determine the waiting period applicable to each case.

Maximum Entry Age:

There is no maximum entry age on this policy.


Entry Age Monthly Premium
64 or younger R248.00 per month
65+ R378.00 per month

Premiums (incl. VAT) are for a family, or a single person.

Terms and conditions apply in terms of exclusions and claim procedures.

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Tel: 010 021 0260
Fax: 086 500 7713

Physical Address

829 Rubenstein Drive

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We are an authorised financial services provider: FSP26848

About Us

At Cura we are ready to help you enhance your medical cover without leaving your chosen medical scheme. Enjoy the ultimate in medical cover for total peace of mind. Put the fears for excessive hospital cost shortfalls and unforeseen co-payments for medical services behind you.