Medical Aid & Gap Cover
Protecting Your Financial Plan When Health Breaks Down
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
Medical Aid: Covers you up to their tariff rate (often 100%, 200%, or 300% of a benchmark called the "scheme rate")
Specialist/Hospital: Charges what the market will bear (can be 500%, 800%, even 1000% of scheme rate)
Gap Cover: Pays the difference so you don't have to liquidate investments or go into debt
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.
Gap cover protects your wealth.
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.
How I Approach This Service
I'm selective. Medical aid is offered only to existing AS Brokers clients. If you're not working with me on your broader financial plan, I'm not the right person for your medical aid.
I don't compete on price. If you're shopping for the cheapest option, there are plenty of call centers that will help you. I advise on what actually protects you and fits your financial situation.
I keep the cowboys away. Once you're covered through me, you're protected from the endless parade of medical aid salespeople promising miracles and switching you every year for commission.
This isn't about volume. It's about making sure my clients have complete protection.
Who This Is For
Existing AS Brokers clients who want their medical coverage handled by someone who understands their entire financial picture.
People who can afford private healthcare. If you're on a tight budget, medical aid may not be your priority. We'll talk about what makes sense.
People who value advice over price. I'm not the cheapest option. I'm the option that makes sure you're actually protected.
The Providers I Work With
I don't work with every provider. I work with the ones that deliver.
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.
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.
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.
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.
Complete the form below please
Director of Sales & Marketing at AS Brokers | FSP 17273
25+ years helping South Africans protect, grow, and structure their wealth