Gap cover is a medical insurance product that works in conjunction with your existing medical aid scheme.
It covers shortfalls in hospital e.g. Specialist who charge more than your plan reimburses. Gap cover also covers other benefits like co-payments, oncology, dentistry, casualty etc.
All in all, gap cover gives you peace of mind that hospital expenses paid short by your medical aid plan will be covered as per the terms and conditions.
As premiums are not overly expensive and the benefits are extensive once they kick in, it’s a good idea to consider putting your family on a gap cover plan as the cost is per membership not per person.