AS Brokers — Health & Risk Planning

Medical Aid & Gap Cover

Start Your Risk Planning Here

Your first line of defence against medical expenses — structured correctly from the start.

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Medical Aid

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Gap Cover

R427,000 Specialist Bill

Your Medical Aid Paid: R345,000

You Owe: R89,000. Now What?

This Is Why Gap Cover Exists

South Africa has world-class private healthcare. It also has world-class medical bills.

Medical aid schemes have tariff limits. Specialists charge actual market rates. The difference between the two can bankrupt you.

Gap cover pays the difference. It's that simple. It's also that essential.

How Gap Cover Works

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Medical Aid: Covers you up to their tariff rate (often 100%, 200%, or 300% of a benchmark called the "scheme rate")

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Specialist / Hospital: Charges what the market will bear (can be 500%, 800%, even 1000% of scheme rate)

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Gap Cover: Pays the difference so you don't have to liquidate investments or go into debt

Medical aid gives you access to care.

Gap cover protects your wealth.

One major medical event without gap cover can destroy years of careful financial planning. I've seen it happen. A heart surgery, cancer treatment, or serious accident shouldn't cost you your retirement.

Why I Started Offering Medical Aid

I didn't start AS Brokers to sell medical aid. But my clients kept asking me about it.

They trusted me with their investments, their retirement planning, their business risk. Then some advisor they didn't know would pitch them medical aid with confusing options and questionable advice.

My clients expected me to close the loop. So I did.

The Providers I Work With

I don't work with every provider. I work with the ones that deliver.

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Medical Aid Schemes

→Discovery Health

→Momentum Health

Proven networks, strong claims performance, and comprehensive coverage options.

Gap Cover

→Turnberry

→Discovery Gap Cover

Reliable gap cover that actually pays when you need it most.

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Medical Aid Is Risk Management

At AS Brokers, I treat medical aid the same way I treat business insurance or estate planning: as a strategic protection tool, not a product to sell.

It exists to ensure that a health crisis doesn't become a financial crisis. It keeps your long-term plan intact when life throws you a medical emergency.

Private healthcare in South Africa is excellent. It's also expensive. The combination of medical aid and gap cover means you can access that excellence without destroying your financial foundation.

One hospital stay should not cost you your financial freedom.

Already Working With AS Brokers?

Let's make sure your medical coverage fits your overall financial plan.

If you're an existing client and want to discuss your medical aid and gap cover, get in touch.

Fill Out The Form Below

Not an AS Brokers client yet? Start with the fundamentals — financial freedom planning, retirement strategy, or business risk management. Once we're working together, we can address your medical coverage.

Questions About Medical Aid?

If you're already an AS Brokers client or want to become one and want to review your medical coverage, let's talk.