Comprehensive Family 2026
The details
Top-of-the-range medical gap cover for the whole family.
R820 per month
Add-on option: R322 per Adult Dependent
The premium for Seniors (over 75) is R1,085 per month
Plan summary
Total annual limit
Subject to an Overall Annual Limit (OAL) of R223,000 per insured person.
Tariff shortfalls
We pay up to an additional 500% for shortfalls on doctors’ procedures performed in-hospital. We also pay up to an additional 500% on doctors’ procedures performed out of hospital, but deemed to be in-hospital by the medical scheme and paid from risk.
Co-payments / deductibles
We pay the full defined co-payment/deductible amount specified by medical aid schemes for co-payments or deductibles.
Sub-limits
We pay for defined procedures and events on which medical aid options often place sub-limits, e.g. internal prosthetics.
Casualty Benefit
We pay when you have accidental, trauma or crime-related injuries which require treatment in a hospital out-patients or casualty unit. The limit is R23,000 per event.
Illness-related emergencies for infants and children under the age of 8 will be covered at any time of the day or night.
Illness-related emergencies for members 8 years and older will be covered between 6pm and 8am.
All illness-related emergencies are limited to R4,500 per event and R13,000 per family per annum.
Cancer Diagnosis Benefit
We pay a once-off benefit of R25,000 on the first diagnosis of cancer. You must be on your medical scheme’s oncology programme to claim this benefit.
Cancer treatment
We pay for cancer treatment such as chemotherapy, radiation, and cancer biological drugs. Most medical schemes place limits on their payment for this treatment.
Innovative Oncology Medicines Benefit
This benefit covers new, innovative drugs, and offers 25% of total drug cost limited to R15,000 per event.
Medical Aid Assist and GAP Premium Waiver
We pay a maximum amount of R6,000 per month for a period of 6 months to assist with medical aid premiums in the event of the death or permanent disability of the principal member.
We will also provide free Gap Comprehensive cover for a period of 12 months, provided that the insured member remains insured on the medical aid.
Consumables
We pay for shortfalls on medicine, materials, and appliances used during an in-hospital procedure or used by doctors during procedures performed in
rooms that are deemed by the medical scheme to be ‘in-hospital’. Annual limit of R5,000, limited to R500 per event.
Private room
We pay up to 50% of the additional cost of a private room in any ward, to a maximum of R5,000 per event.
Specialised dentistry
We pay for root canal and/or surgical extractions done in dentists’ rooms. The annual limit is R8,000 only per family per annum. This benefit does not include the dentist’s consultation fee.
Specialist radiography
We pay for MRI and CT scans not covered by the medical scheme. The limit is R15,000 per policy per annum, limited to R6,500 per event.
Accidental death
We pay R40,000 in the event of accidental death of the principal member, R30,000 for a spouse, and R10,000 for a child, limited to R50,000 per family per annum.
Specialist Benefit
We pay for any shortfalls your medical aid scheme does not cover for your consultation with a specialist in their private rooms. Annual limit R7,000, limited to R2,500 per consultation, 3 consultations per annum.
The medical aid scheme must pay a portion of your specialist’s consultation fee from a hospital, risk, or day-to-day benefit, or from your medical savings account.
Physiotherapy Benefit
We pay for physiotherapy out of hospital after surgery. The maximum is R2,500 per annum and must occur within 10 days of discharge from hospital.
Wound Care Benefit
We pay for out-of-hospital treatment of a wound by a wound specialist after surgery and discharge from hospital. The maximum is R3,000 per annum and must occur within 7 days of discharge.
Breast Cancer Benefit
We pay for breast reconstruction. The limit is R15,000 per event, subject to the OAL, and must be done within 12 months of the mastectomy.
Premature birth
We pay R18,000 for a premature birth. A premature birth is defined as a baby born alive before week 37 of the pregnancy.
Non-DSP Hospital Co-Payment
We pay up to R25,000 per annum for any penalty fee that the medical scheme may impose, should you choose to voluntarily use a hospital or day clinic outside the medical scheme’s designated network.
Stepdown facility
We pay a maximum of R10,000 for admission to a stepdown facility for a stay of 3 days or more.
Registered Nurse Benefit
We pay for visitations to a registered nurse in a pharmacy, up to R1,000 pa, limited to R500 per event. This includes the medicine dispensed in the pharmacy after the visit.
Our products
Linksave provides a range of gap cover options to make
sure a medical crisis doesn’t become a financial crisis.
COMPREHENSIVE
FAMILY
Top of the range medical
gap cover for the
whole family.
R820 pm
COMPREHENSIVE
INDIVIDUAL
Top of the range medical
gap cover for
one person..
R540 pm
GAP 300
Family
Top of the range medical
gap cover for the
whole family.
R495 pm
GAP 500
PLUS
A focused list of benefits
at a lower premium for you and your family.
R573 pm
NETWORK
PLUS
A focused number of
procedures at Network
hospitals.
R472 pm
CORPORATE
GAP COVER
Very competitive group rates and bespoke solutions for corporates, businesses and large organisations.
Why not come across to Linksave?
Contact us or speak to your broker