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.

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. 

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

  • Bonitas Medical Scheme
  • Clientele Life
  • Keyhealth Medical Aid Scheme
  • Fedhealth Medical Aid
  • Matrix Vehicle Tracking
  • Beame Vehicle Tracking
  • Momentum Health
  • Resolution Health
  • Cartrack
  • Spectramed Medical Aid
  • Zest Life
  • Chubb Travel Insurance
  • dail-direct insurance
  • 1st For Women Insurance
  • Blenheim Insurance
  • 1Life Insurance
  • Hollard Pet Insurance
  • Travelstart
  • Netstar
  • rentalcars.com
  • Prosper Insurance
  • Union Life
  • Regent Insurance
  • Budget Insurance
  • Bayport Financial Services
  • Different Life
  • Jenus Health
  • Total Risk Administrators
  • Travelsafe Insurance
  • Ibuyeco Insurance
  • Liberty Health - Hippo Partner
  • Standard Bank Insurance
  • Discovery Health Medical Aid
  • Onepet Pet Insurance
  • Autorefin - Vehicle Refinance
  • Virseker Versekering
  • MWEB
  • Dignity Burial Assist
  • Legal Wise
  • Tariffic - Cellphone Contract Comparision
  • Bestmed Medical Aid
  • Auto & General Insurance
  • Unity Insurance
  • Tracker
  • Bitco
  • Medihelp Medical Aid
  • GetBucks Loans
  • dotsure.co.za
  • Instant life
  • Topmed Medical Aid
  • Profmed Medical Scheme