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Old Mutual : Comprehensive Gap Cover
Comparison for 2024
Old Mutual, a trusted name in South African insurance, extends its offering with Old Mutual Gap Cover. This product ensures that you’re fully protected from the financial shortfalls that often arise when your medical aid doesn’t cover the full cost of treatment. Old Mutual Gap Cover provides a variety of plans to suit different needs, whether it’s covering hospital shortfalls, specialist fees, co-payments, or advanced treatments such as oncology. With Old Mutual’s reliable gap cover, you can focus on your health without worrying about unexpected medical bills. Below is an overview of Old Mutual Gap Cover options for 2024, helping you make an informed choice for your healthcare protection.
Old Mutual Gap Cover Plans
Cover Range | Key Features | Coverage Limits | Best For | Monthly Premium |
Old Mutual Essential | Covers in-hospital shortfalls and co-payments, with benefits for treatments up to 500% of the medical aid tariff. | Up to 500% of the medical aid rate for in-hospital treatments, limited to specific types of surgeries. | Individuals looking for essential medical cover. | Approximately R225 per month for a family. |
Old Mutual Comprehensive | Includes coverage for in-hospital shortfalls, specialist fees, and oncology treatments. Also offers extended cover for maxillofacial, spinal, and back surgery. | Unlimited for in-hospital treatments; up to 500% for specific procedures. | Families with a need for full medical protection. | Around R295 for families with members under 65, and higher for families with seniors. |
Old Mutual Elite | Full coverage for hospital shortfalls, sub-limits, co-payments, and advanced treatments. | Up to R250,000 per annum. | High-income individuals or those with chronic conditions. | R450 or higher, depending on age and family structure. |
Old Mutual Senior Gap | Designed for individuals over 60, offering cover for hospital shortfalls and co-payments, with enhanced benefits for certain procedures. | Up to 300% of medical aid rate. | Seniors seeking tailored healthcare protection. | R295 |
Benefits of Old Mutual Gap Cover
Old Mutual Gap Cover offers an array of benefits designed to protect you from unexpected healthcare expenses. Their plans ensure that you’re not burdened by medical shortfalls, co-payments, or costly specialist treatments.
In-Hospital Coverage: Old Mutual’s gap cover plans, such as Comprehensive and Elite, provide coverage for hospital shortfalls, with some plans covering up to 500% of the medical aid rate, rather than 300%. This applies particularly to specialist treatments and surgeries that exceed the standard rates covered by your medical aid(
Oncology and Specialist Fees: Old Mutual does indeed cover oncology treatments and specialist fees, ensuring that members have financial protection during critical medical treatments. This includes coverage for the additional costs of these treatments when they exceed medical aid limits
Senior-Specific Plans: The Old Mutual Senior Gap plan is specifically designed for individuals over 60, providing enhanced coverage that suits the healthcare needs of seniors, including higher coverage limits for certain age-related procedures
How to Choose the Right Old Mutual Plan
Old Mutual Essential: Ideal for those seeking basic in-hospital protection, it covers hospital shortfalls and co-payments, ensuring you won’t face unexpected costs for essential treatments.
Old Mutual Comprehensive: Suited for families needing broader protection, this plan offers advanced benefits, including coverage for specialist fees, oncology treatments, and more complex medical needs.
Old Mutual Elite: Best for individuals with extensive healthcare requirements, this plan provides maximum coverage, including high-cost procedures and extended hospital stays.
Old Mutual Senior Gap: Tailored specifically for individuals over 60, it offers age-specific benefits to address the unique medical needs of seniors, such as higher coverage for hospital and specialist treatments.
Frequently asked questions
Old Mutual Comprehensive covers in-hospital shortfalls, specialist fees, co-payments, and oncology treatments, providing unlimited protection for these medical expenses.
Old Mutual gap cover plans range from R200 to R500 per month, depending on the coverage level and plan you select.
Are you ready to protect yourself from unexpected medical expenses? Get a quote from Liberty today and choose the gap cover plan that best suits your needs and budget.