Benefits
Lumpsum Cancer
Where a person covered on the policy is diagnosed as having a minimum severity (stage 2, regional and malignant) of cancer for the first time, we will pay a once-off lump sum benefit. The first amount of R15 000 will be payable upon diagnosis and the second amount of R10 000 will be payable upon reaching the medical scheme’s oncology benefit limit or depending on your medical plan option, the medical scheme having paid more than R200 000 in oncology treatment costs within 12 months from the date of diagnosis.

If the person is diagnosed for the first time as having a minimum severity of stage 2, local and malignant, we will pay a lump sum of R5 000.

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

1

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

2

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

3

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

4

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.
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

1

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

2

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

3

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

4

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.
CANCER
SupremePrimary
Lump sum benefit for first time, minimum-severity cancer diagnosis
How much will this benefit pay?
MedGap provides a once-off payment of R15 000 if you are diagnosed with cancer for the first time while you are covered on the policy and you have registered with your medical scheme’s oncology treatment programme. We will also pay you an extra R10 000 if you exceed your medical scheme’s oncology benefit limit for the year or if your medical scheme pays out more than R200 000 for oncology treatment in that same year.
You must have at least stage II, regional and malignant cancer to be entitled to the benefit.
If you are diagnosed for the first time as having a minimum severity of stage II, local and malignant cancer, we will pay a lump sum of R 5 000. This benefit is payable once in a lifetime per person covered on the policy.
MedGap will not cover benefits in the following circumstances
  • Any cancer diagnosis that does not meet the minimum severity level of stage II, regional AND malignant;
  • Any diagnosis which is not the insured’s first cancer diagnosis during their lifetime; and
  • Skin cancers and cancers diagnosed and treated by primary biopsy only
  • 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

    1

    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

    2

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

    3

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

    4

    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.