Four Gap Cover providers have published 2027 premiums. Curemed compares the 2026 and 2027 rate sheets of TRA, Stratum, Discovery and Momentum: increases of 0% to 9.1% at TRA, 9.4% to 9.7% at Stratum, 8.9% to 9.8% at Discovery, and 9.3% to 25.3% at Momentum, with every premium by product and band.
TRA has published its 2027 Gap Cover premiums. Curemed compares the 2026 and 2027 brochures: Basic Cover 300 individual unchanged at R99, Vital Cover Plus up 6.4% to 6.6%, Super Cover Plus and Absolute Cover Plus up about 9%, with the benefit limit changes.
A practical guide to claiming Gap Cover in South Africa: the documents insurers require, the submission windows at eight insurers, the rules the insurer must follow, and what to do when a claim is rejected.
Gap Cover waiting periods explained: the legal maximums under the Demarcation Regulations, what six insurers apply in 2026, pregnancy rules, and how switchers keep credit.
Compare the cheapest Gap Cover in South Africa 2026, from R99 a month. See what budget plans cover, what they leave out and how waiting periods work.
Compare seven South African Gap Cover providers for 2026 by tariff shortfall multiple, waiting periods, entry age rules and indicative premiums.
Curemed members claimed R10,520,751 in Gap Cover shortfalls in the first six months of 2026, and R40.32 million since inception across roughly 21,000 claims. Real claims data on where the money went, which specialities leave the biggest shortfalls, and why some claims do not pay.
By Martin Janse van Rensburg, Sales Manager and Financial Advisor · Reviewed by Roxanne Hurter-Ehlers In short: Gap Cover is one of the most misunderstood products in South African healthcare. It is an insurance policy that pays the difference between…
