+27 860 102 936 info@medgaponline.co.za
Exclusively for Bonitas Members
Gap cover is now a great deal easier to buy with the exclusive Bonitas Medgap offer. Guard yourself against medical expense shortfalls during hospitalisation


Discounted rates up to 27% to Bonitas Member

Did you know that specialists and other service providers often charge more than the amount covered by medical aid schemes? This is where GAP cover is your saving grace…
As a member you would be personally liable for the difference in cost, which for specialists and other service providers can add up to a sizeable amount. MedGap offers Bonitas members and their loved ones a specially designed product that provides cover for medical expense shortfalls in the event of hospitalisation involving surgery or medical treatment, as well as for certain procedures performed out-of-hospital. Gap cover is now a great deal easier to buy with the exclusive Bonitas Medgap offer.

Gap Cover

Ages: over 18 to under 30 years


Discounted rates up to 27% to Bonitas Member

This is exclusive cover for
young individuals
Only a single Insured person Offering both the Primary and Supreme options at a competitive rate.

2021 RATES

These rates are exclusive to Bonitas members and are guaranteed for 2021.Our MedGap products offers cover for you, your spouse, your children and your parents that are registered as dependents on your medical scheme and that are eligible for cover at the date of you joining. Millennial is a product for individuals over the age of 18 and under the age of 30. New members cannot join if they are already 30. When a member turns 30 during the year, we will automatically move them to the individual family cover with their renewal in January the following year. Our MedGap Pensioner products offers cover for you only, if you are over the age of 65 at the date of joining.

Benefit highlights

Subject to a R173 000 Sublimit Per Annum

Please click on each benefit to see more info
Please click the button for detailed brochure of benefits
Apply for cover
Please click the button to complete the online application.
Confirmation will be sent to you after activation of your policy.
Click Here to see how easy it is to claim and update your details
Claiming made easy

If you have given consent for claims data sharing with Guardrisk insurance company the claim will be automatically processed and paid to the member. MedGap wants to make claiming as easy as possible for our clients. It is important to follow the steps below to ensure that your claim is processed within the correct timeframes. You have 4 months from the date of treatment to provide us with written notice of your claim. If any details are missing, or we need more information or documents, we will contact you. If we do this, please send us the outstanding documents within 28 days of our request or we will close your claim until you provide us with the documents we need. If you do not send us these documents within 12 months of your claim event, your claim will prescribe and we will close it permanently.

Steps to follow to submit your claim


Complete the applicable section in the online form below, and submit OR download the PDF version of the form, complete and send, with all required documents, to medgapclaims@guardrisk.co.za


Ensure that each section that is relevant to your claim is completed clearly, accurately and completely


A copy of the claim form will automatically be sent to medgapclaims@guardrisk.co.za


If you are not able to email your claim to us, print your completed claim form and posit it, with all required documents to: The MedGap Claims Team, Guardrisk Insurance Company Limited, PO Box 786015, Sandton, 2146

Update your details
If you need to update any personal information you can complete the relevant section in the online amendment form. You will receive confirmation of the change once updated on our systems.

Contact us

Apply for cover


New Business Enquiries

+27 860 102 936


Claim Enquiries:

+27860 102 936


General Enquiries

+27 860 102 936


Premium Enquiries:

+27860 102 936


If you are interested in joining Medgap please sms "Medgap" to 43366 we will phone you back with accredited advice.