011 677 9891
Apply Now and Get Covered
Unique Products
Compatible
Service Excellence
Quick Claims
Unique Products
Compatible
Service Excellence
Quick Claims

Medical expense shortfall cover

Starting from R169 / Family / Month
  • Compatible with all registered open Medical Schemes in SA
  • Quick claim turnaround
  • Different products to suite a range of diverse needs
  • Unsurpassed Service Excellence
  • Unique Benefits
Apply Now and Get Covered
Claims or other related Enquiry

What is gap cover?

Gap cover is a short-term insurance product that helps protect you from medical expense shortfalls, which happen when your doctor charges more than the medical aid rate for in-hospital treatment, or the hospital charges co-payments for operations. These unanticipated expenses can leave you with an unexpected financial burden that you will have to pay for out of pocket. Gap cover has become an essential component of any financial portfolio to protect you against potentially crippling medical expense shortfalls, no matter how young and healthy you are. Often, it is the unforeseen that can result in the most significant medical expense shortfalls, but with gap cover in place you can protect your financial wellbeing alongside your physical health. Turnberry’s Mission is to offer our Clients security and assurance, especially during those times when they need us most.

Our Products

Increase in the OAL (Overall Annual Limit) – effective 1st April 2024
National Treasury annually publishes new limits under the Demarcation Regulations. As of 1 April 2024, the limit for medical expense shortfall (Gap) policies has been increased from R198,660.43 to R210,580.06. Turnberry has increased the overall annual limit on all policies we administer with these benefits, with effect from 1 April 2024. Our clients automatically qualify for the adjusted overall annual limit.

Premier

Premier is the umbrella sheltering your entire family. It offers a vast range of benefits to cater for unforeseen medical expense shortfalls and provides comprehensive cancer benefits.
Learn More

Optimal

Optimal provides a broad array of benefits – enhancing your medical aid by up to 500% of medical aid rates – all at a family-friendly price.
Learn More

Synergy

Synergy offers a healthy spectrum of benefits at a very attractive price. It ensures you and your family are covered for the most common types of claims, covers medical expense shortfalls of up to 500%.
Learn More

Launch

This launches you into the world of Gap Cover, offering essential benefits and covering medical expense shortfalls for Specialists up to 350% of medical aid rate. Launch is one of the most price-effective Gap Cover solutions.
Learn More

Med-Extend

Med-Extend has been designed to assist clients with medical expense shortfalls for Specialists and with covering Defined Procedures that have been excluded on their specific Medical Scheme option.

Learn More

Extended Family

If you have extended family or an additional dependant registered on your Medical Scheme, you may add them onto your Policy for an additional premium per month.
Learn More

Travel Assist

International travel cover through TIC is offered as an added-value to all Turnberry Policyholders upon request. The cover ensures end-to-end emergency assistance by air, land or sea.
Learn More

Brochures 2025

During the tough times, you need a partner that will be by your side navigating you to safety. You have a partner. Turnberry. Navigating the way

Learn More
Compare

Why Choose Turnberry Gap Cover

MRI and CT Scan Cover

  • Provides cover for MRI and CT scans when there is no benefit to your client’s medical scheme

 

Casualty benefits for Accidents

  • Provides Cover for treatment in Casualty due to an accident
  • Does not have an annual limit

 

Casualty Benefit for Illness

  • Is available to ALL members on the Policy and is not restricted to children only

 

Critical Illness Benefit

  • Provides a lump sum payment upon the death of an insured person from a Critical Illness (excludes cancer)

 

First Diagnosis of Cancer

  • Once off payment for first diagnosis of cancer based on the stage at the time of diagnosis
 

Innovative Cancer Cover

Robotic Surgery Cover

  • Turnberry reviews robotic surgeries under sub-limit cover

 

Access to International Travel Insurance

Corporate Group Rates

011 677 9891

WHY CHOOSE TURNBERRY GAP COVER

  • Rates dependent on
    group demographics
  • Favourable
    Underwriting
  • Tailor-made products
    for larger groups
  • Electric
    take-on

100’s of happy customers

My first ever GAP claim. Very impressed with the whole process. Get hold of Turnberry…we cannot afford to be without Gap Cover. Easy claim process, good communication, very quick payout… 11/10.
Michael Dovey
The Turnberry support was amazing. People HAVE to enquire with Turnberry for Gap Cover. I have already recommended them to so many people since my claim in January and I rate their support and service – 10 excellent.
Ilze Britz
Kudos to Turnberry! The best gap cover there ever is. I am super highly impressed with how fast the turnaround response was. How fast the payout to my bank account was. Absolutely no delays no miss communication no hassles no emailing back and forth, wow wow wow. You guys are superb! I will highly recommend this gap cover to so many of my family and friends. The process for the claim was straight forward and simple. And literally within the same day you guys paid to my bank account so I can cover the shortfall with my medical aid. I just want to say thank you so much to the claims department. For the start of a new year – you guys are on the ball. So efficient. Highly impressed. Thanks Turnberry gap cover – you guys rock.
Raeesa Govender
Pleasantly surprised how easy and quick the process was from submission to pay out within a couple of weeks – very unexpected. Professional service and easy claim process.
Moira Marais
After years of not having Gap Cover and mountains of medical bills charged at above scheme rates, but when I signed up with Turnberry Gap Cover, I have never been disappointed. Helpful, friendly, and always keeping me up to date with claims status updates. I am extremely satisfied and will recommend Turnberry Gap Cover to all of my friends, colleagues, and family.
Shehama Sasman
I would like to thank Turnberry for the excellent service I received from them. I would recommend them to anyone. They received my claims and sorted them out in no time. I’m very grateful that I took out my gap cover with Turnberry. Anyone looking for Gap Cover, speak to the friendly experienced consultants. Thank you, Turnberry.
Joslynn Petersen
Registering with Turnberry was one of the best decisions I made. They have given me peace of mind and allowed recovery with no financial worries about hospital bills. The staff have always been very helpful and answered my queries with regards to claims, and handling of claims has always been efficient and prompt.
Alexandra Backler
I could not believe how simple and straightforward the claims procedure was. All the information that was requested was immediately available via email. My submission was acknowledged within hours and I was kept abreast of the progress of the claim at each step. Nothing could have been easier. Thank you.
Robin Wright
Their very professional and efficient service during a few consecutive and "tough" medical conditions helped us get through some difficult times by covering the financial gaps between the medical aid and the practice. Very glad I decided to take gap cover with Turnberry
Grant Kerr
When I made application for my doctors account to be paid, instructions for my application was given clearly and the response time for payment was very quick. I was able to pay the doctors account in full within the payment period..
Christopher Adams
Deeply grateful for the encouragement to take out such cover. The costs of medical intervention has risen dramatically over the last while and Medical Aid cover has not / cannot keep up.
Ron Robertson
Claimed for two different procedures within two months of each other and had no hassles at all. Received my payment within two weeks of claiming.
Mandy Stanton
No problems with payouts. I am impressed with their fairness. It is straightforward and without hassles to make claims.
Jo Wagner
We have been so impressed with Turnberry! I recently gave birth and our medical aid did not pay for quite a substantial amount of the bills. We sent through the claims to Turnberry and had impeccable service. Thanks so much to your team!
Rosie Crisafulli
Kudos to Turnberry! The best gap cover there ever is. I am super highly impressed with how fast the turnaround response was. How fast the payout to my bank account was. Absolutely no delays no miss communication no hassles no emailing back and forth, wow wow wow. You guys are superb! I will highly recommend this gap cover to so many of my family and friends. The process for the claim was straight forward and simple. And literally within the same day you guys paid to my bank account so I can cover the shortfall with my medical aid. I just want to say thank you so much to the claims department. For the start of a new year – you guys are on the ball. So efficient. Highly impressed. Thanks Turnberry gap cover – you guys rock.
Raeesa Govender
I hereby want to thank you for the excellent service from Turnberry Gap Cover. With every call that I have made to Turnberry I was served with patience, kindness and very friendly and everyone that I have spoken to were helpful. I highly recommend anybody to make use of the Turnberry Gap Cover. Out of 10 I will surely give Turnberry 10.
Hannes Kroukam
What a great experience I had with Turnberry, they were so professional and most of all so speedy to settle my claim. Very seldom does one get this kind of service, I can really recommend them with a good heart.
Carol Pagani
I have had 3 interactions with Turnberry and on all account was I helped without any issues at all. 1st time I supplied them with a quote to understand if it would be covered in which they responded in a timely fashion. 2nd and 3rd time I claimed and both were handled extremely fast without any issues at all. I would really recommend them to anyone.
Google Review
My experience was good. Turnberry Staff assisted me in a professional manner with much empathy and patience. I WAS MOST IMPRESSED HOW MY CLAIM WAS HANDLED. For peace of mind of self and family – it’s a must. DONT DELAY. I have no hesitation in recommending Turnberry Gap Cover.
ALEX MCCAW
My experience with support was absolutely phenomenal! From the receptionist who answered the call to explain the process to the actual claim assistant who processed and explained things to me in detail. I would be honest and explain the simplicity of Turnberry gap cover. The professional manor the claims assessors carry themselves etc. I have already recommended your gap cover to 12 of my family members. Service – 10 – EXCELLENT!!
Celeste Chetty
My first ever GAP claim. Very impressed with the whole process. Get hold of Turnberry…we cannot afford to be without Gap Cover. Easy claim process, good communication, very quick payout. I rate them 11/10.
Michael Dovey
The Turnberry support was amazing. People HAVE to enquire with Turnberry for Gap Cover. I have already recommended them to so many people since my claim in January and I rate their support and service – 10 excellent.
Ilze Britz

Frequently asked questions

Medical Expense Shortfall Cover includes cover for: Specialists, Basic and specialised Radiology, Physiotherapy, Consumables (e.g. plasters, cotton wool etc), Pathology, Prescribed Minimum Benefits

Our packages start from R169 / Family / Month. Please get in touch with us for more information.

Co-Payment Cover

A co-payment or deductible is an upfront amount that needs to be paid before undergoing certain procedures, as specified by your Medical Scheme.

When you experience a co-payment for a procedure or scan (as specified by your Medical Scheme) you would need to pay for the
co-payment up-front and then claim the amount back from your Turnberry Policy (provided that the plan you selected offers co-payment cover).

Non DSP Hospital Cover
Should you choose to go to a hospital or day clinic outside of your Medical Scheme’s Hospital Network/ Designated Service Providers, you would be liable for a portion of the account, as specified by your Medical Scheme.

Example: Henry’s Medical Scheme stipulates that he needs to go to hospital X, if he chooses to go to another hospital he would need to pay the first R8 700 of the hospital account. Henry chooses to go to hospital Y and pays the R8 700 and then claims it back from his Turnberry Premier Policy.

Any claim related issues please contact 011 677 9891
Learn More
How To Claim

We offer different products

to suit a range of diverse needs

  • Compatible with all registered open Medical Schemes in SA
  • Quick claim turnaround
  • Different products to suite a range of diverse needs
  • Unsurpassed Service Excellence
  • Unique Benefits
Apply Now and Get Covered
Call Me Back
Apply Now and Get Covered
Privacy Policy
Turnberry Management Risk Solutions (Pty) Ltd is an authorised Financial Services Provider (FSP no. 36571). Underwritten by Lombard Insurance Company, an Authorised Financial Services Provider (FSP 1596) and Insurer conducting non-life insurance business. Please note that this is not a Medical Scheme and the cover is not the same as that of a Medical Scheme. This Policy is not a substitute for Medical Scheme membership.

Website Designed and Developed By SearchKings™ Africa

Facebook Linkedin Envelope