Askadam gap plans: Red, Yellow and Blue

We have worked closely with Ambledown Financial Services to develop three unique gap products that offer the perfect balance of benefits and price. These products are unique to rehealth.co.za and are sold by MC De Villiers brokerage (FSP NO. 7241). You can apply for them online. Benefit Red Yellow Blue Shortfall benefit Pays up...

AskAdam gap cover: a quick comparison

A good gap cover is an essential addition to any medical aid plan. It will save you money: both in actual medical expenses as well as possible lower medical aid premiums. We have designed these gap covers as a combination of excellent benefits and superb prices. Side by side comparison ...

AskAdam gap cover: Dread disease and Premium Waiver benefits

Dread Disease benefit Provides a once off dread disease benefit, limited to first diagnosis of cancer. The benefit will be excluded for any current member who has been diagnosed prior to inception or during the period of cover. Limited to R50,000 per insured person on diagnosis. Benefit terminates when person turns...

AskAdam gap cover: what it pays for

AskAdam gap cover can pay for: Service providers such as specialists, surgeons, anaesthetists who charge in excess of medical scheme rate for authorised in-hospital procedures and specified out-of-hospital procedures Out-patient chemotherapy, radiotherapy and kidney dialysis Co-payments required by the scheme, in-hospital Co-payments for out-of-hospital MRI and CT scans An increase of sub-limits Additional cancer cover ER...

AskAdam gap cover: how it works

What is gap cover? Medical schemes have pre-set limits of how much they will charge a health care provider for an in-hospital procedure. This is known as the "scheme rate" or the "scheme tariff". The problem is that most specialists are charging much more than this rate, and you have...

Kaelo Xelus Gap Cover – Waiting Periods

Kaelo Xelus, like all gap covers, applies waiting periods under certain conditions. They are listed below. You can also view the full policy document, or read about the exclusions on this policy. Kaelo Xelus shall apply Waiting Periods to the cover of an Insured as outlined below: ...

Kaelo Xelus Gap Cover – Exclusions

All gap covers have extensive exclusions, with which you should familiarise yourself. Kaelo's are listed below. You can also view the full policy document here, or read about the waiting periods. Xelus or the Underwriter shall not be liable for any claim caused by or related to, whether such cause...

Fusion Gap Cover – 2018 Benefits and Premiums

About Kaelo Xelus offers a gap cover product, Fusion Gap, that we feel has excellent benefits and is well priced. Please read "How gap covers work" if you are unfamiliar with gap products. You can download the application here. The benefits of Fusion Gap product are included with each 2018...

Medical Aid 101

How to use this site

We know the medical aid industry is complicated, and the information presented on this site can be overwhelming. Hopefully this page will be a...

All about PMBs, and how schemes have to pay for them

PMBs are 270 conditions that schemes have to cover without requiring co-payments or savings from you, even if the treatment is provided out-of-hospital. This applies to every plan.

How medical aids work

A brief introduction to how medical aids work, the different types of plans, and their obligation to cover out-of-hospital expenses for certain conditions, regardless of plan type.