+27 860 102 936 info@medgaponline.co.za
Know your benefits
Gap cover is now a great deal easier to buy with the exclusive Bonitas Medgap offer. Guard yourself against medical expense shortfalls during hospitalisation
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…
Your MedGap GAP cover policy will give you peace of mind by covering the shortfall that you are liable for – saving you from extra expenses.

Medgap Primary

– Shortfall benefit
– Co-payment benefit

Medgap Supreme

– Shortfall benefit
– Co-payment benefit
– Cancer benefit
– Internal prosthesis benefit
– Accidental death and disability
– Casualty benefit
– Trauma counseling
– Baby Bump
– Premium Waiver
– Violent Crime Benefit

Medgap Millennial

This is exclusive cover for young individuals over 18 to under 30 years offering both the Primary and Supreme options at a competitive rate.

Medgap Product Offering For 2021

MedGap is a specially designed short-term insurance product, which provides cover for medical expense shortfalls (“gaps”) should you or a loved one need to undergo surgery whilst in hospital or a medical procedure on an outpatient (out-of-hospital) basis.
What is covered

Section A: Medical Expense Shortfall Benefits 22
(Under this section, a maximum of R173 000 can be paid per Insured Person per policy year)

Benefit for shortfalls in medical practitioner costs (shortfall cover)
Benefit for co-payments applied by your medical scheme for certain procedures
Benefit for Co-payments levied by your medical scheme on oncology treatment programmes


Oncology extender benefit for exceeded medical scheme oncology benefit limits
Lump sum shortfalls for internal prosthesis costs
Benefit for shortfalls in emergency casualty costs due to an accident

Lump Sum Benefits

Lump sum benefit for first time, minimum-stage cancer diagnosis
Lump sum benefit for accidental death and permanent total disability
Trauma counselling benefit
Violent crime benefit
Premium waiver benefit
Baby bump benefit
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

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.
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.