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Sirago : Comprehensive Gap Cover
Comparison for 2024
Sirago Gap Cover is a top provider of medical aid shortfall cover in South Africa, offering a diverse range of plans tailored to fit the needs of both individuals and families. Whether you’re looking for basic coverage for in-hospital shortfalls or a comprehensive option that covers specialist fees, oncology treatments, and co-payments, Sirago has the perfect solution for you. Below, you’ll find an easy-to-understand breakdown of Sirago’s gap cover plans for 2024, designed to help you choose the best healthcare protection based on your unique needs.
Sirago Gap Cover Plans
Cover Range | Key Features | Coverage Limits | Best For | Monthly Premium |
Sirago Gap Plus | Covers in-hospital shortfalls, co-payments, and specialist fees up to 500% of the medical aid rate. | Up to 500% of the medical aid rate. | Individuals and families needing comprehensive hospital cover. | R350 to R400. |
Sirago Gap Supreme | Comprehensive coverage for hospital shortfalls, oncology treatments, and co-payments, with some sub-limit enhancements. | in-hospital cover and oncology. | Families with advanced medical needs, especially those requiring oncology and specialist care. | R450 to R500. |
Sirago Executive Gap | Provides enhanced cover for extended hospital stays, specialist fees, co-payments, and oncology treatments. | Up to R200,000 per annum. | High-income earners with significant healthcare requirements. | R500 to R550. |
Sirago Senior Gap | Tailored for individuals over 60, covering hospital shortfalls and oncology treatments. | Up to 400% of the medical aid rate. | Seniors needing additional medical expense protection. | R300 to R350. |
Benefits of Sirago Gap Cover
Sirago 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 Shortfall Coverage: Sirago covers up to 500% of the medical aid rate for in-hospital treatments. This ensures that any shortfalls between what your medical aid pays and the actual costs incurred during hospitalization are fully covered, providing peace of mind and reducing unexpected expenses.
Oncology and Specialist Co-Payments: Sirago includes coverage for oncology treatments and specialist fees. If your medical aid reaches its limits for these treatments, Sirago will step in to cover co-payments, ensuring you receive essential care without financial strain.
Penalty Fee Cover: In cases where you use a non-designated service provider or hospital outside your medical aid’s network, Sirago helps cover penalty fees. This is particularly helpful in emergencies or situations where your preferred medical service is out of network, preventing additional costs.
Day-to-Day Specialist Consultations: Sirago Gap Cover also protects you from shortfalls on out-of-hospital specialist consultations, covering the difference between what your medical aid pays and the specialist’s full consultation fee. This benefit helps you manage regular healthcare costs not fully covered by your medical aid.
How to Choose the Right Sirago Plan
When choosing the right Sirago gap cover plan, consider your medical needs and budget. The Gap Plus plan is ideal for individuals and families who need comprehensive cover, while the Senior Gap plan is perfect for individuals over 60 looking for tailored protection. The Supreme and Executive plans are designed for those requiring more extensive cover, including oncology and co-payment protection.
Frequently asked questions
The Sirago Gap Plus plan covers up to 500% of the medical aid rate for hospital shortfalls and specialist fees, while the Supreme plan offers unlimited cover for oncology treatments, co-payments, and hospital stays.
Sirago gap cover premiums range from R300 to R550 per month, depending on the plan and the coverage you selec
Are you ready to protect yourself from unexpected medical expenses? Get a quote from Sirago today and choose the gap cover plan that best suits your needs and budget.