+27 860 102 936 info@medgaponline.co.za


Exclusively for Solidarity Members

An essential complementary gap cover product for members of solidarity

Although medical schemes offer peace of mind in the knowledge that you have access to medical services medical aid does not necessarily pay for all medical services in full. For example, the rates certain specialists charge for procedures are significantly higher than medical aid rates for those procedures.

Moreover, medical schemes require excess payment in respect of certain procedures performed in hospital. If you don’t have a gap cover product you will have to cough up the difference which may well amount to several thousand rand.
It can cost as little as R289 per month depending on your profile and the option you choose. Solidarity corporate groups can take out group gap cover and it may cost even less.

Benefit highlights

Subject to a R157 000 Sublimit Per Annum


Internal Prosthesis



Additional Benefits

Lumpsum Cancer

Accidental Lumpsum

Trauma Counselling

In hospital specialist Shortfall

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.

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.