AFFORDABLE GAP COVER
FOR EVERYTHING IN
BETWEEN FROM R150 PM

With Oneplan Gap Cover, you know exactly what you're covered for.
There is no complicated jargon, confusing benefits, long claims processes or high monthly premiums. Just the GAP in health bills filled.

Let us call you for a quote today

DUO OF ONLINE DEALS THIS DECEMBER!

Lock your premiums in for a year.
Get 50% off your first two months’ premiums*.
*T&Cs apply. This offer is optional & applies to new clients and online sign-ups only between 1-31 December 2025. Excl GAP Hospital Plans. Premiums are risk prof dep.

WHY CHOOSE ONEPLAN GAP COVER

WHAT IS GAP COVER?

GAP Cover provides financial assistance when you have run out of Medical Scheme Savings or have reached your benefit limit when you claim from your Medical Aid.

Oneplan GAP Cover includes In- and out-Patient benefits such as in-hospital shortfalls, co-payment and other deductibles, for an affordable monthly premium.

FOUR GAP COVER PLANS TO CHOOSE FROM.

Important Notice: New updates and changes to policy effective 1 February 2026.
CORE HOSPITAL PLAN
from
R150
per month
EXECUTIVE HOSPITAL PLAN
from
R205
per month
CORE PLAN
from
R220
per month
EXECUTIVE PLAN
from
R285
per month
COMBINED ANNUAL LIMIT
R219 000 per insured.
R219 000 per insured.
R219 000 per insured.
R219 000 per insured.
OUT PATIENT COVER
Savings Gap Cover (30 days waiting period)

-

-
R2 000 per annum per policy
(limited to R500 per event)
R4 000 per annum per policy
(limited to R750 per event)
IN-HOSPITAL & SPECIALISED TREATMENT
Shortfalls & co-payments for all in-house treatment and procedures (Available Immediately for Accident) (3-month waiting period for Illness)
Up to 200% of Scheme paid amount(we double the Scheme)
Up to 400% of Scheme paid amount(we double the Scheme)
Up to 200% of Scheme paid amount(we double the Scheme)
Up to 400% of Scheme paid amount(we double the Scheme)
Cancer co-payment benefit (6-month waiting period)
Up to 200% of Scheme paid amount(we double the Scheme settled amount)
Up to 400% of Scheme paid amount(we double the Scheme settled amount)
Up to 200% of Scheme paid amount(we double the Scheme settled amount)
Up to 400% of Scheme paid amount(we double the Scheme settled amount)
Casualty accident/illness (Available Immediately for Accident) (3-month waiting period for Illness)
R5 000per event per policy (limited to 2 events)
R7 000per event per policy (limited to 2 events)
R5 000per event per policy (limited to 2 events)
R7 000per event per policy (limited to 2 events)
Scans & Scopes (Specialised Radiology) (3-month waiting period for Illness)
R5 000per event per policy (limited to 2 events)
R7 500per event per policy (limited to 2 events)
R5 000per event per policy (limited to 2 events)
R7 500per event per policy (limited to 2 events)
Post Natal Care (12-month waiting period)
-
-
R3 000per annum per policy (limited to 1 claim per annum)
R5 000per annum per policy (limited to 1 claim per annum)
Non-DSP Hospital Co-Payment Benefit We will cover penalties imposed by your medical scheme when using non-network hospitals.
Up to R15 000(limited to 1 claim per policy period)
Up to R15 000(limited to 1 claim per policy period)
Up to R15 000(limited to 1 claim per policy period)
Up to R15 000(limited to 1 claim per policy period)
Accidental HIV Infection & Treatment (Available Immediately)
Testing: R5 000 per policy Treatment: R10 000 per policy
Testing: R5 000 per policy Treatment: R10 000 per policy
Testing: R5 000 per policy Treatment: R10 000 per policy
Testing: R5 000 per policy Treatment: R10 000 per policy
VALUE ADDED PRODUCTS
Accidental Death (Available Immediately)
Principal: R10 000 Spouse / Partner: R10 000 Children 14-21 yrs: R10 000 Children 6-13 yrs: R7 500 Children 1-5 yrs: R5 000
Principal: R25 000 Spouse / Partner: R25 000 Children 14-21 yrs: R25 000 Children 6-13 yrs: R15 000 Children 1-5 yrs: R10 000
Principal: R10 000 Spouse / Partner: R10 000 Children 14-21 yrs: R10 000 Children 6-13 yrs: R7 500 Children 1-5 yrs: R5 000
Principal: R25 000 Spouse / Partner: R25 000 Children 14-21 yrs: R25 000 Children 6-13 yrs: R15 000 Children 1-5 yrs: R10 000
Trauma, Assualt & Counselling (Available Immediately)
R5 000per policy
R5 000per policy
R5 000per policy
R5 000per policy

*Subject to Combined Annual Limit and Claim Limit. Terms and Conditions Apply. Pre-Existing Conditions are excluded for a maximum of 12 Months if no previous Gap Cover. Premiums are Risk Profile Age dependent. Event incl multiple treatments or procedures, claimed 14days apart.
Download Comparison Brochure

Core Hospital Plan

From
R150

Overall annual limit
R219 000
Per Insured

IN-HOSPITAL & SPECIALISED TREATMENT

SHORTFALLS & CO-PAYMENTS FOR ALL IN-HOSPITAL TREATMENT AND PROCEDURES
Up to 200% of Scheme paid amount
(we double the Scheme settled amount)
Excluding Penalties Imposed By Your Scheme
Available Immediately For Accident
3-Month Waiting Period For Illness

CANCER CO-PAYMENT BENEFIT
Up to 200% of Scheme paid amount
(we double the Scheme settled amount)
6-month waiting period

CASUALTY ACCIDENT/ILLNESS
R5 000
per event per policy
(limited to 2 events)

Available Immediately for Accident
3-month waiting period for Illness

SCANS & SCOPES
(SPECIALISED RADIOLOGY)

R5 000
per event per policy
(limited to 2 events)

3-month waiting period for Illness

NON-DSP HOSPITAL CO-PAYMENT BENEFIT
Up to R15 000
We will cover penalties imposed by your medical scheme when using non-network hospitals.
(limited to 1 claim per policy period)

ACCIDENTAL HIV INFECTION & TREATMENT
R5 000 per policy
Testing Available Immediately

R10 000 per policy
Treatment Available Immediately

VALUE-ADDED PRODUCTS

ACCIDENTAL DEATH
Principal: R10 000
Spouse / Partner: R10 000
Children 14 - 21 yrs: R10 000
Children 6 - 13 yrs: R7 500
Children 1 - 5 yrs: R5 000

Available Immediately

TRAUMA, ASSAULT & COUNSELLING
R5 000
per policy
Available Immediately



Executive Hospital Plan

From
R205

Overall annual limit
R219 000
Per Insured

IN-HOSPITAL & SPECIALISED TREATMENT

SHORTFALLS & CO-PAYMENTS FOR ALL IN-HOSPITAL TREATMENT AND PROCEDURES
Up to 400% of Scheme paid amount
(we quadruple the Scheme settled amount)
Excluding Penalties Imposed By Your Scheme
Available Immediately For Accident
3-Month Waiting Period For Illness

CANCER CO-PAYMENT BENEFIT
Up to 400% of Scheme paid amount
(we quadruple the Scheme settled amount)
6-month waiting period

CASUALTY ACCIDENT/ILLNESS
R7 000
per event per policy
(limited to 2 events)

Available Immediately for Accident
3-month waiting period for Illness

SCANS & SCOPES
(SPECIALISED RADIOLOGY)

R7 500
per event per policy
(limited to 2 events)

Available Immediately for Accident
3-month waiting period for Illness

NON-DSP HOSPITAL CO-PAYMENT BENEFIT
Up to R15 000
We will cover penalties imposed by your medical scheme when using non-network hospitals.
(limited to 1 claim per policy period)

ACCIDENTAL HIV INFECTION & TREATMENT
R5 000 per policy
Testing Available Immediately

R10 000 per policy
Treatment Available Immediately

VALUE-ADDED PRODUCTS

ACCIDENTAL DEATH
Principal: R25 000
Spouse / Partner: R25 000
Children 14 - 21 yrs: R25 000
Children 6 - 13 yrs: R15 000
Children 1 - 5 yrs: R10 000

Available Immediately

TRAUMA, ASSAULT & COUNSELLING
R5 000
per policy
Available Immediately

Core Plan

From
R220

Overall annual limit
R219 000
Per Insured

OUT-PATIENT COVER

SAVINGS GAP COVER
R2 000
per annum per policy
(limited to R500 per event)

30 days waiting period

IN-HOSPITAL & SPECIALISED TREATMENT

SHORTFALLS & CO-PAYMENTS FOR ALL IN-HOSPITAL TREATMENT AND PROCEDURES
Up to 200% of Scheme paid amount
(we double the Scheme settled amount)
Excluding Penalties Imposed By Your Scheme
Available Immediately For Accident
3-Month Waiting Period For Illness

CANCER CO-PAYMENT BENEFIT
Up to 200% of Scheme paid amount
(we double the Scheme settled amount)
6-month waiting period

CASUALTY ACCIDENT/ILLNESS
R5 000
per event per policy
(limited to 2 events)

Available Immediately for Accident
3-month waiting period for Illness

SCANS & SCOPES
(SPECIALISED RADIOLOGY)

R5 000
per event per policy
(limited to 2 events)

3-month waiting period for Illness

POST NATAL CARE
R3 000
per annum per policy
12-month waiting period

NON-DSP HOSPITAL CO-PAYMENT BENEFIT
Up to R15 000
We will cover penalties imposed by your medical scheme when using non-network hospitals.
(limited to 1 claim per policy period)

ACCIDENTAL HIV INFECTION & TREATMENT
R5 000 per policy
Testing Available Immediately

R10 000 per policy
Treatment Available Immediately

VALUE-ADDED PRODUCTS

ACCIDENTAL DEATH
Principal: R10 000
Spouse / Partner: R10 000
Children 14 - 21 yrs: R10 000
Children 6 - 13 yrs: R7 500
Children 1 - 5 yrs: R5 000

Available Immediately

TRAUMA, ASSAULT & COUNSELLING
R5 000
per policy
Available Immediately



Executive Plan

From
R285

Overall annual limit
R219 000
Per Insured

OUT-PATIENT COVER

SAVINGS GAP COVER
R4 000
per annum per policy
(limited to R750 per event)

30 days waiting period

IN-HOSPITAL & SPECIALISED TREATMENT

SHORTFALLS & CO-PAYMENTS FOR ALL IN-HOSPITAL TREATMENT AND PROCEDURES
Up to 400% of Scheme paid amount
(we quadruple the Scheme settled amount)
Excluding Penalties Imposed By Your Scheme
Available Immediately For Accident
3-Month Waiting Period For Illness

CANCER CO-PAYMENT BENEFIT
Up to 400% of Scheme paid amount
(we quadruple the Scheme settled amount)
6-month waiting period

CASUALTY ACCIDENT/ILLNESS
R7 000
per event per policy
(limited to 2 events)

Available Immediately for Accident
3-month waiting period for Illness

SCANS & SCOPES
(SPECIALISED RADIOLOGY)

R7 500
per event per policy
(limited to 2 events)

Available Immediately for Accident
3-month waiting period for Illness

POST NATAL CARE
R5 000
per annum per policy
12-month waiting period

NON-DSP HOSPITAL CO-PAYMENT BENEFIT
Up to R15 000
We will cover penalties imposed by your medical scheme when using non-network hospitals.
(limited to 1 claim per policy period)

ACCIDENTAL HIV INFECTION & TREATMENT
R5 000 per policy
Testing Available Immediately

R10 000 per policy
Treatment Available Immediately

VALUE-ADDED PRODUCTS

ACCIDENTAL DEATH
Principal: R25 000
Spouse / Partner: R25 000
Children 14 - 21 yrs: R25 000
Children 6 - 13 yrs: R15 000
Children 1 - 5 yrs: R10 000

Available Immediately

TRAUMA, ASSAULT & COUNSELLING
R5 000
per policy
Available Immediately

WHY CHOOSE ONEPLAN?

  • Double or quadruple scheme payout
  • Cover for all cancers
  • Cover for shortfalls & co-payments (even within MSA Savings Threshold)
  • Mental health cover
  • Accidental Death Cover and HIV Treatments

Let us call you for a quote today

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