When accidents happen, gap cover is an essential safety net

Medical costs can leave families in financial distress

- James White

Accidents happen in an instant, often leaving families with unexpected medical expenses that extend far beyond what medical aid covers.

Whether it's emergency treatment, ambulance services, hospitalisation, or specialist care, these costs can accumulate rapidly, creating a significant financial burden.

This is where gap cover becomes a vital safety net.

Accident benefits help bridge the gap between what medical aid pays and the actual costs, ensuring that families are not left struggling to cover essential medical expenses.

From minor injuries to life-threatening emergencies, medical costs can vary significantly.

In severe cases, accidents that require hospitalisation for life-threatening injuries are classified as prescribed minimum benefits, meaning medical aids generally cover these expenses in full.

However, the financial burden does not end there. Many accident-related costs, including step-down care, rehabilitation and specialist consultations, may not be fully funded by medical aid.

For less severe accidents, such as a fall resulting in a broken arm, medical aid may only cover a portion of the costs.