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Medway is a leading network of healthcare advisors in South Africa. First established in 1990, Medway has consistently looked for ways to enhance the value proposition financial advisors offer their clients, in a meaningful and reliable way. Our credible client base ensures that we are well positioned to interact and associate with various medical schemes and insurers, delivering product and service mechanisms, that add real value when you need it most.

Medway supports contracted financial advisors who ensure that our tailor made solutions always address your medical cover requirements fully.

MedCARE is a selection of insurance products designed exclusively for medical scheme members who require additional medical cover to that which is provided by their medical scheme.

About GapCover

Most specialist doctors charge above medical aid rates. Can you afford to pay the shortfall?

You may think that you and your family are fully covered by your Medical Aid, but this is not always the case. Medical Schemes pay claims at pre-determined scheme rates and when specialist doctors charge above this rate, the balance becomes your responsibility. The majority of surgeons, specialists and anaesthetists charge above the recommended scheme rate and a number of standard Medical Scheme procedures such as MRI and CT scans are only partially covered by certain schemes. There may be times when up to 75% of your bill is not covered by your Medical Aid.

What is Medcare Gap Cover?

Medcare Gap Cover pays up to 500% of your Scheme rate.

For example, if your Medical Scheme’s fee for an anaesthetic procedure for a tonsillectomy is R1 200, but your Anaesthetist charges out of Scheme rates, Medcare Gap Cover will pay the shortfall up to R6 000.

Medcare Gap Cover also extends to certain treatments, medical procedures and co-payments; depending on the various available options i.e. GapCore, GapXtra and GapPremium.

How much cover do I get?

R157 000 per family per year.

What does it cost?

Our Gap products are designed to complement your Medical Scheme option and suit your pocket. Cover starts from as little as R295 per family per month.

Do I qualify for it?

If you are on a registered South African Medical Aid, you qualify for Medcare Gap Cover.

How do I sign up?

Simply contact your broker or complete the online application.

Medcare Gap Plan Options

Our Gap products are designed to give you cover that best suits your needs:

LEVEL 1: GapCoreR295 per month

  • GapCore ensures that you do not experience shortfalls when it comes to settling hospital accounts, paying up to 500% of your Medical Scheme rate
  • Covers your immediate family in respect of in-hospital associated services provided by specialist doctors that charge more than your Medical Scheme rate
  • Cover extends to treatment on an out-patient basis for chemotherapy, radiotherapy and kidney dialysis
  • Certain medical procedures performed in a doctors room are also covered
  • GapCore includes a reimbursement of up to R10 000 for in-hospital expenses incurred as a result of accidental injury

LEVEL 2: GapXtraR330 per month

  • GapCore PLUS
  • Extended cover for in-hospital sub-limits imposed by your Medical Scheme on certain procedures, which may result in a payment shortfall

LEVEL 3: GapPremiumR380 per month

  • GapCore PLUS
  • GapXtra PLUS
  • An additional reimbursement of up to R10 000 for accidental injury requiring treatment in a casualty ward

LEVEL 4: GapPremium PlusR440 per month

  • GapCore PLUS
  • GapXtra PLUS
  • GapPremium PLUS
  • Private Care for Cancer Treatment - Benefits provided over the sub-limitation and/or the co-payment imposed by the medical scheme for treatment in a private facility for cancer. Treatment includes in-hospital expenses, chemicals, medication and outpatient radiotherapy or chemotherapy.
  • Biological Cancer Drug Treatment – provides further cover for Biological cancer drugs once your medical scheme limit for Oncology has been reached, less any amount claimed under the Private Care benefits.