Comprehensive Individual 2026

The details

Top-of-the-range medical gap cover
for one person.

R540 per month

Seniors (over 75): R800 per month

Plan summary

Total annual limit
Subject to the 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-related or crime-related injuries which require treatment in a hospital out-patients/casualty unit. The limit is R23,000 per event.

Illness-related emergencies will be covered between 6pm and 8am, limited to R4,500 per event and R13,000 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 to 25% of total drug cost limited to R15,000 per event.

Medical Aid Assist and GAP Premium Waiver
We pay R2,500 per month for 6 months should you suffer a total and permanent disability.

We also provide free Gap Comprehensive cover for 12 months provided that you remain insured on your 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 R3,000, limited to R500 per event.

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.

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 the dentist’s rooms. The annual limit is R8,000 per policy 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.

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 R5,000, limited to R2,500 per consultation, 3 consultations per annum.

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 R1,500 per annum and must occur within 10 days of discharge from hospital.

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.

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 R2,000 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.

Stepdown facility
We pay a maximum of R10,000 for admission to a stepdown facility for a stay of 3 days or more.

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