Insure you and your family against unexpected medical costs

"I've had gap cover before with another company. With them it took me up to three months after I've been hospitalised to get my claim submitted. They always wanted more and more documents. I've been on Discovery Gap Cover for less than a month. I was hospitalised in September. I didn't even submit an additional claim and I already received my money. All in less than a month. Thank you very much. After an operation the last thing you want is to struggle with documents." - Discovery Gap Cover client, Nienke Nieuwenhuizen

Why gap cover from Discovery

Unexpected medical costs, for treatment related to approved admissions to hospital where healthcare professionals charge more than what your medical scheme pays, or where you have a life-changing severe illness, can place significant financial strain on your family.

To give our clients the peace of mind and added security when they need it most, we now offer Discovery Gap Cover and Discovery Supplementary Gap Cover. Discovery has now combined its insurance and healthcare expertise to bring you an innovative, cost-effective solution that provides additional financial protection against these unforeseen costs.


In-hospital specialist cover

Discovery Gap Cover gives you rich protection against shortfalls in medical scheme cover for specialist treatment received in-hospital


Pre- and post-hospitalisation cover

Discovery Gap has an option that provides pre- and post-hospitalisation cover for specific shortfalls incurred out-of-hospital, related to the admission


Comprehensive cover for cancer

Discovery Gap Cover provides additional funding to help cover oncology co-payments. Discovery Supplementary Gap Cover helps fund high-cost treatments and gives you access to advanced genomic sequencing for certain cancers


Additional financial support for severe illness

Discovery Supplementary Gap Cover gives you additional support through lump-sum payments and premium protection to help alleviate health-related financial strain


One simple claims process

With Discovery Gap Cover you have a simple claims submission process, where gaps in cover are identified, assessed and paid automatically once the medical scheme claim is processed

Click below to watch the video

Cover from R65 a month!

Starting at R65 a month for Discovery Supplementary Gap Cover and R90 a month for Discovery Gap Core option, Discovery’s gap cover options provide extremely cost-efficient and competitive protection.

Premiums are based on the individual’s circumstances and is in line with short-term insurance and life insurance pricing principles.  There are certain requirements on application, and waiting periods may apply based on the health plan at the time of activating the cover.

For more information speak to your financial adviser or

Log in