2 products taken from Ambledown's published 2026 documents, underwritten by Guardrisk Insurance Company Limited (FSP 10287). Every figure below links to the source document.
We do not sell Ambledown gap cover, so we cannot quote it. Everything on this page is taken from the provider's published 2026 documents so you can compare it fairly, and you would apply through Ambledown or your own broker.
The 2026 document we sourced does not restrict this policy to one medical scheme, so it should be available alongside any registered South African medical scheme. Gap cover always requires active medical scheme membership, so confirm your scheme and plan type are accepted before you sign.
Lowest published premium: R349 a month
2
products in the 2026 data set
R349
published monthly premium range
100%, 200%
cover level of the scheme rate
2/2
products stating co-payment cover
Ambledown's cheapest published 2026 premium is R349 a month, which is cheaper than 13 of the 23 priced products we hold across 15 providers — the market median is R395 a month.
Compare all 37 products side by sideSettles shortfalls up to 100% of the scheme rate
Monthly premiums (2026)
The summary brochure prints family rates between R269 and R999 across age bands, but the table layout could not be mapped to bands reliably. Confirm with provider.
Limits and benefits
Overall annual limit: R219 845 per insured person per year
Co-payment cover: Included
Waiting periods: Refer to policy wording — waiting periods not stated in the brochure.
Not published by the provider
Settles shortfalls up to 200% of the scheme rate
Monthly premiums (2026)
R349 per month for ages 18-65 and R486 for 66+, per the Gap Cover 200 brochure.
Limits and benefits
Overall annual limit: R219 845 per insured person per year
Co-payment cover: Included
Waiting periods: Refer to policy wording — waiting periods not stated in the brochure.
Gap cover is not a medical scheme and is not a substitute for medical scheme membership. Premiums and benefits are for 2026 and may change — confirm current terms with the provider before deciding. Information only; not financial advice.