Gap 300 Family 2026
The details
Top of the range medical gap cover for the whole family.
R495 per month
Add-on option: R293 per Adult Dependent
Seniors (over 75): R780 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 300% for shortfalls on doctors’ procedures performed in-hospital. We also pay up to an additional 300% 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; limited to R40,000 per event and R80,000 pa. This includes robotic surgery.
Casualty Benefit
We pay when you have accidental trauma-related or crime-related injuries which require treatment in a hospital out-patients or casualty unit. The limit is R10,000 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 R3,000 per event and R8,000 per family per annum.
Medical Aid Assist and GAP Premium Waiver
We pay a maximum amount of R3,500 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 R3,000, limited to R300 per event.
Non-DSP Hospital Co-Payment
We pay up to R12,000 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 R2,500 per event.
Specialised dentistry
We pay for root canal and/or surgical extractions done in dentists’ rooms. The annual limit is R2,000 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 R10,000 per policy per annum, limited to R4,000 per event.
Accidental death
We pay R15,000 in the event of accidental death of the principal member.
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.
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 R2,500, limited to R1,000 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.
Innovative Oncology Medicines Benefit
This benefit covers new, innovative drugs, and is 20% of total drug cost limited to R12,000 per event.
Cancer Diagnosis Benefit
We pay a once-off benefit of R12,000 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.
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