Even with medical aid, the bills keep coming. How exposed are you?
Co-payments, specialist gaps, scans, and day-to-day benefits that run out mid-year: most medical aid members pay for something out of pocket. Take this 2-minute check to see where you really stand.
What you've paid this year
A 2-minute check that tells you exactly where you stand.
No jargon, no medical aid login. Just a few quick questions about your cover and your everyday costs, and we'll show you a personalised Exposure Score and what to do next.
Answer a few quick questions
About your medical aid, your day-to-day costs, and what you'd do if a big bill arrived.
Get your Exposure Score
0–100 score showing how protected, or exposed, you really are.
See your tailored next step
Specific guidance based on where you sit on the exposure scale.
Unlock your exclusive offer
See your personalised result and the theSalt-exclusive GapCare500+ rate: R375pm instead of R605pm.
Cover for the gaps your medical aid leaves: every day, not just in hospital.
Day-to-day booster
Once your medical savings (MSA) or day-to-day limits run out, we extend up to R20 000 per person a year for GP-referred specialist consultations, basic and specialised dentistry, and specialised radiology or pathology.Not available on a Hospital Plan only.
In-hospital specialist fees
You'll be covered for specialist shortfalls for any approved admission in a hospital or day clinic. Plus, we'll also take care of consultations while you're admitted to hospital.
Out-of-hospital specialist shortfalls
You'll be covered against specialist shortfalls for consultations and treatment when you're not admitted to hospital. These are the everyday gaps that catch most members.
Up-front co-payments
You'll be protected against upfront co-payments for certain day procedures, like scopes or scans performed in hospital or a day clinic.
Comprehensive cancer treatment
You'll be covered for co-payments for cancer treatments beyond the limits of your oncology benefits, plus shortfalls when using providers outside your medical aid network.
Extended maternity benefits
You'll be protected against maternity costs beyond medical aid limits, even for high-risk pregnancies, plus prenatal consultations, private ward costs, and first hearing screening and immunisations.
Most South Africans don't realise how much they pay out of pocket, even with medical aid.
The Medical Bill Test takes 2 minutes and is completely free. You'll see your personal Exposure Score, with no obligation to buy anything.
Quick answers before you start.
Is this really free?
Yes. The test is free, no payment details required. At the end you'll see your personalised result and the theSalt-exclusive GapCare500+ rate of R375pm (normally R605pm).
I'm not often in hospital. Is this still for me?
Definitely. Most out-of-pocket costs happen outside hospital: co-payments on scans and scopes, specialists who charge above the scheme rate, and day-to-day benefits running out mid-year. This test looks at all of it.
What's the day-to-day booster?
Once your medical savings (MSA) or day-to-day limits run out, GapCare500+ extends up to R20 000 per person a year for GP-referred specialist consults, dentistry, and specialised scans or pathology. Not available on a Hospital Plan only.
What happens with my data?
Your details are processed securely through our NetcarePlus CRM and used only to send your result and your GapCare offer. POPIA compliant.
What's the exclusive theSalt offer?
As a theSalt member you get NetcarePlus GapCare500+ at R375pm instead of the standard R605pm, a saving of R230 every month. We email you the offer with a sign-up link the moment you ask for it.
What if I don't have a medical aid?
Gap Cover only works alongside a medical aid. We'll point you to NetcarePlus Emergency Assist instead, which doesn't need a medical aid.