Hippo Partners - Zest Life Medical Gap Cover

Zest Life

Although Medical Gap Cover has been designed primarily to cover shortfalls arising from inhospital procedures, additional benefits are payable in the event of shortfalls arising from certain out-patient procedures.

Below are some examples of procedures that are additionally covered on an out-patient basis:

  • Chemotherapy or radiotherapy for the treatment of cancer.
  • Kidney dialysis on an out-patient basis.
  • Tonsillectomy
  • Grommets
  • Gastroscopy
  • Childbirth
  • Arthroscopy
  • Coronary Angiogram
  • Vasectomy
  • Surgical biopsy of breast lump or prostate
  • Cataract removal


Waiting periods
There is a waiting period for the following procedures:

  • A general 3 month waiting period applies
  • Childbirth claims will have an effective 10 month waiting period.
  • Joint replacements, arthroscopic procedures, spinal surgery including spinal fusion, nasal surgery including sinus related, cataract surgery, hysterectomy (except for cancer diagnosed after joining), dentistry related claims, all hernia repairs and all cardiac related surgery and procedures will have no benefit for the first 6 months and 50% of the normal benefit for the second 6 months. These waiting periods will not be applicable if the claim is as result of an accident/injury that occurred after the 3 month waiting period.


Exclusions
No benefit is payable in respect of standard exclusions as defined in the policy document. There are also a number of specific exclusions such as cosmetic surgery, treatment for obesity, claims not covered by your medical scheme and private and home nursing. 

Limits 
The maximum benefit limit is R200 000 per individual and R2 000 000 per family per calendar year.

Zestlife is an authorised Financial Services Provider. FSP number 37485.


Compare trusted brands side by side. Compare insurance and other popular products

  • Law for all
  • Hollard Pet Insurance
  • Topmed Medical Aid
  • Discovery Health Medical Aid
  • Bayport Financial Services
  • Virseker Versekering
  • Unity Insurance
  • KGA Funeral Cover
  • Chubb Travel Insurance
  • Onepet Pet Insurance
  • Beame Vehicle Tracking
  • Travelsafe Insurance
  • Tracker
  • Auto & General Insurance
  • Instant life
  • Bitco
  • Medihelp Medical Aid
  • dail-direct insurance
  • Fedhealth Medical Aid
  • Standard Bank Insurance
  • Momentum Health
  • Spectramed Medical Aid
  • Legal Wise
  • HotelsCombined Accomodation
  • dotsure.co.za
  • 1Life Insurance
  • Ctrack Vehicle Tracking
  • Dotsure Life
  • Stratum Benefits
  • 1st For Women Insurance
  • Netstar
  • Prosper Insurance
  • Alexander Forbes
  • Total Risk Administrators
  • GetBucks Loans
  • Jenus Health
  • Travelsafe Insurance
  • Different Life
  • rentalcars.com
  • MobiLife
  • Resolution Health
  • Matrix Vehicle Tracking
  • Turnberry Medical Gap
  • Carfin
  • Shoprite Personal Loans
  • Budget Insurance
  • Union Life
  • Asterio Medical & Funeral Insurance
  • Zest Life
  • Bonitas Medical Scheme
  • Debt Rescue
  • Dignity Burial Assist
  • Kudough Credit Reports
  • Bestmed Medical Aid
  • Travelstart
  • Regent Insurance
  • Profmed Medical Scheme
  • Keyhealth Medical Aid Scheme
  • Ibuyeco Insurance