Gap cover

Gap cover is a separate short-term insurance product, not a medical scheme benefit, designed to pay the difference between what specialists charge and what the scheme pays for approved procedures. Policies commonly exclude elective and fertility procedures, and typically have waiting periods, so read the policy wording before relying on it.

Also known as: gap insurance, shortfall cover

Last reviewed: 8 September 2026. Written by the Antega Editorial Team. General information only — always follow the advice of your own clinic, doctor or pharmacist.