Insurance guidance, made personal

Medical Aid & Gap Cover

Clear advice. Considered options. Cover built around what matters.

Explore your options

What to expect

Clear guidance from first conversation to review

01

Tell us what matters

Share your needs, priorities and concerns.

02

Speak to a specialist

We connect you with the appropriate Proserve team member.

03

Compare suitable options

Understand relevant benefits, costs, limits and exclusions.

04

Put cover in place

Complete the insurer or scheme application and underwriting process.

05

Review as life changes

Keep your information and cover aligned with changing needs.

Prioritising your health & medical protection

Navigate healthcare options with trusted guidance.

Choosing healthcare cover can feel complicated. Proserve helps individuals, families and employers compare medical aid structures and supplementary cover, with guidance based on needs, life stage and budget.

More than a policy

What are your healthcare options?

01

Medical aid

Helps pay eligible healthcare expenses according to the benefits, networks, rules and limits of your selected medical scheme option.

02

Gap cover

Supplementary insurance for medical scheme members that may cover certain defined shortfalls, co-payments or sub-limits.

03

Medical insurance

Provides defined benefits for specified health events or services, depending on the policy. It is not a substitute for medical aid.

Find the right starting point

Explore your cover options

Select a category to understand what each type of cover is designed to address.

01

Medical Aid

Compare benefit structures based on the healthcare support you need.

Individual & family options

Explore options for a single member, couple or family and understand how dependants are covered.

Hospital plans

Benefits generally focus on qualifying in-hospital treatment, subject to scheme rules and networks.

Day-to-day benefits

Selected options include benefits or savings for routine healthcare expenses.

Chronic benefits

Understand formularies, networks and registration requirements for qualifying chronic conditions.

Corporate & group options

Explore healthcare arrangements suited to eligible employee groups.

Discuss this cover →
02

Gap Cover

Supplementary protection for certain costs not paid in full by your medical scheme.

Specialist fee shortfalls

May cover qualifying differences between specialist charges and the medical scheme tariff.

Defined co-payments

Certain products cover specified co-payments, subject to limits and exclusions.

Sub-limit shortfalls

Some options provide benefits when defined procedures reach a medical scheme sub-limit.

Individual & family options

Select cover based on who needs protection and the product’s eligibility rules.

Discuss this cover →
03

Medical Insurance

Defined insurance benefits for specified health events or healthcare services.

Event-based benefits

Policies may pay a fixed or stated benefit when a health event defined in the policy occurs.

Primary healthcare options

Some products provide access to specified consultations, medicine, tests or other defined services.

Hospital cash benefits

Certain policies pay a defined daily or lump-sum benefit following a qualifying hospital event.

Policy-specific terms

Benefits, waiting periods, eligibility, limits and exclusions differ between insurance products.

Discuss this cover →

Cover, benefits, exclusions and premiums differ between insurers and products. All cover is subject to the insurer’s terms, conditions, limits and underwriting requirements.

Explore in more detail

Focused guides for each type of cover

Not sure where to begin?

Speak to TC, our medical aid and life administration specialist

Tell us a little about what you need. A Proserve adviser will contact you to discuss suitable options—without the jargon.

info@proserveadvisory.co.za•086 111 2416

Request adviceContact the team

A simple next step

Tell us what you’d like to protect

Complete this short form and an adviser will be in touch. This area represents your new Fluent Forms lead form in Elementor.

  • No obligation to proceed
  • Personal guidance from a real adviser
  • Your information handled in line with POPIA
Product & Service Lead Capture Form

Helpful answers

Frequently asked questions

Is gap cover the same as medical aid?+

No. Gap cover is supplementary insurance and generally requires membership of a registered medical scheme.

Can I change my medical aid option at any time?+

Schemes usually apply specific annual option-change periods, although certain life events may be treated differently.

Will gap cover pay every medical shortfall?+

No. Benefits are limited to the events, amounts and conditions defined in the selected policy.

Is medical insurance the same as medical aid?+

No. Medical insurance generally provides defined benefits for specified events or services and must not be presented as a substitute for medical scheme membership.