StratumBenefits Medical Aid Cap Cover

StratumBenefits GAP COVER IN A NUTSHELL
It’s a non-life insurance policy designed to cover medical expense shortfalls when your healthcare and service providers, such as your doctor and specialist, charge more than your medical aid plan’s rate for in- and out-of-hospital medical procedures.
StratumBenefits Gap Cover options complement all registered South African medical aid plans regulated by the Council for Medical Schemes.
StratumBenefits premium increase of 9.6% will apply across all individual option for 2027
The Benefit limits increase by +- 10% for 2027
StratumBenefits have new option from 2027: LUMA 300, designed for specifically for individuals who only need cover for themselves. With age-based premiums for individual cover. Two premium categories apply: 35 or younger and 36 or older. One insured person.