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Stratum : Comprehensive Gap Cover
Comparison for 2024
Stratum Benefits is a leading provider of gap cover in South Africa, offering a range of plans tailored to different healthcare needs. Whether you need basic coverage for in-hospital shortfalls or comprehensive plans that include specialist fees and co-payments, Stratum Benefits has a solution. Below is a detailed breakdown of the gap cover options offered by Stratum Benefits in 2024, helping you choose the right plan to bridge the gap between your medical aid and healthcare costs.
Stratum Gap Cover Plans
Cover Range | Key Features | Coverage Limits | Best For | Monthly Premium |
Gap Cover 300 | Covers up to 300% of the medical aid rate for in-hospital shortfalls, specialist fees. | Up to 300% of medical aid rate. | Individuals or families with basic medical aid coverage. | R200 – R250 |
Comprehensive Cover | Includes coverage for in-hospital shortfalls, oncology treatments, and co-payments. | Unlimited cover for in-hospital expenses. | Families needing full protection against large expenses. | R400 – R450 |
Elite Cover | Offers coverage for sub-limits, co-payments, oncology, and extended hospital stays. | Up to R150,000 per annum. | High earners or those with extensive medical needs | R500 – R550 |
Oncology Gap Cover | Specialized cover for cancer treatments, including co-payments and sub-limits on oncology care. | Unlimited oncology cover for in-hospital treatments. | Cancer patients or those requiring frequent treatments. | R300 – R350 |
Benefits of Stratum Gap Cover
Stratum 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.
- Extensive Hospital Cover: Stratum’s gap cover plans are designed to cover up to 500% of the medical aid rate, ensuring you don’t face unexpected bills for hospital visits or surgeries.
- Oncology Coverage: Specialized plans for oncology care include cover for treatment co-payments and extended hospital stays.
- Affordable Premiums: Stratum offers a range of gap cover options at competitive rates, making it accessible for individuals and families alike.
How to Choose the Right Stratum Plan
Selecting the right gap cover plan depends on your medical needs and current medical aid coverage. For those with basic hospital plans, the Gap Cover 300 is ideal, offering up to 300% coverage on hospital shortfalls. However, if you require comprehensive coverage for in-hospital expenses, specialist fees, and co-payments, the Comprehensive Cover or Elite Cover plans provide more extensive protection.
Frequently asked questions
Stratum gap cover does not cover cosmetic procedures, dental costs, or claims that fall outside your medical aid plan’s coverage.
The cost of Stratum gap cover ranges from R200 to R550 per month, depending on the plan you select.
Are you ready to protect yourself from unexpected medical expenses? Get a quote from TRA today and choose the gap cover plan that best suits your needs and budget.