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    2026 published figures

    Sirago gap cover 2026

    8 products taken from Sirago's published 2026 documents, underwritten by GENRIC Insurance Company Limited (FSP 4710). Every figure below links to the source document.

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    Comparison and insight only

    We do not sell Sirago 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 Sirago 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: R227 a month

    8

    products in the 2026 data set

    R227–R705

    published monthly premium range

    300%, 400%, 450%, 500%, 600%

    cover level of the scheme rate

    7/8

    products stating co-payment cover

    How this compares

    Sirago's cheapest published 2026 premium is R227 a month, which is cheaper than 18 of the 23 priced products we hold across 15 providers — the market median is R395 a month.

    Compare all 37 products side by side

    Exact Cover

    Cover percentage not stated in the brochure

    From ~R227 (cheapest entry)

    Monthly premiums (2026)

    Individual, under 65R227/month
    Individual, 65 and olderNot published
    Family, under 65R270/month
    Family, 65 and olderNot published

    Ages 0-64 only: individual R227, family R270. Maximum entry age 64.

    Limits and benefits

    Overall annual limit: R223 000 per insured person per year

    Co-payment cover: Not indicated

    Waiting periods: Refer to policy wording — waiting periods not stated in the broker update.

    Not published by the provider

    • Cover percentage not stated
    • Waiting periods not printed
    Source: Sirago Broker Information Update 2026

    Exact Cover with Gap and Co-Pay

    Settles shortfalls up to 400% of the scheme rate

    Monthly premiums (2026)

    Individual, under 65R446/month
    Individual, 65 and olderNot published
    Family, under 65R537/month
    Family, 65 and olderNot published

    Ages 0-64 only: individual R446, family R537. Maximum entry age 64.

    Limits and benefits

    Overall annual limit: R223 000 per insured person per year

    Co-payment cover: Included

    Sub-limits

    • Bunion surgery: R100 000 policy limit
    • Arthroscopic surgery: R100 000 policy limit
    • Back neck shoulder knee surgery: R100 000 policy limit

    Waiting periods: Refer to policy wording — waiting periods not stated in the broker update.

    Not published by the provider

    • Waiting periods not printed
    Source: Sirago Broker Information Update 2026

    Gap Assist Cover

    Settles shortfalls up to 500% of the scheme rate (maximum 600%)

    Monthly premiums (2026)

    Individual, under 65R440/month
    Individual, 65 and olderR735/month
    Family, under 65R505/month
    Family, 65 and olderR820/month

    Ages 0-64: individual R440, family R505. Ages 65+: individual R735, family R820.

    Limits and benefits

    Overall annual limit: R223 000 per insured person per year

    Co-payment cover: Included

    Sub-limits

    • Robotic surgery: R13 500 per claim, 1 claim per policy
    • Appliance benefit: R4 500 pp, R1 500 per claim

    Waiting periods: Refer to policy wording — waiting periods not stated in the broker update.

    Not published by the provider

    • Waiting periods not printed
    Source: Sirago Broker Information Update 2026

    Gap Core Cover

    Settles shortfalls up to 350% of the scheme rate (maximum 450%)

    Monthly premiums (2026)

    Individual, under 65R395/month
    Individual, 65 and olderNot published
    Family, under 65R457/month
    Family, 65 and olderNot published

    Ages 0-64: individual R395, family R457. Premiums for 65+ not printed in the broker update.

    Limits and benefits

    Overall annual limit: R223 000 per insured person per year

    Co-payment cover: Included

    Sub-limits

    • Robotic surgery: R18 000 per policy

    Waiting periods: Refer to policy wording — waiting periods not stated in the broker update.

    Not published by the provider

    • Premiums for 65+ not printed
    • Waiting periods not printed
    Source: Sirago Broker Information Update 2026

    Gap Liberal Cover

    Settles shortfalls up to 400% of the scheme rate (maximum 500%)

    Age-banded premiums from R194

    Monthly premiums (2026)

    Individual, under 65Not published
    Individual, 65 and olderR705/month
    Family, under 65Not published
    Family, 65 and olderR705/month

    Age-banded premiums: 0-29 R194, 30-39 R225, 40-49 R291, 50-59 R389, 60-64 R550, 65+ R705.

    Limits and benefits

    Overall annual limit: R223 000 per insured person per year

    Co-payment cover: Included

    Sub-limits

    • Robotic surgery: Subject to OAL, R15 000 per policy

    Waiting periods: Refer to policy wording — waiting periods not stated in the broker update.

    Not published by the provider

    • Brochure table does not separate individual vs family for each band
    • Waiting periods not printed
    Source: Sirago Broker Information Update 2026

    Gap Liberal Lite Cover

    Settles shortfalls up to 200% of the scheme rate (maximum 300%)

    From ~R150 (cheapest entry)

    Monthly premiums (2026)

    Individual, under 65Not published
    Individual, 65 and olderNot published
    Family, under 65Not published
    Family, 65 and olderNot published

    Age-banded premiums: 0-25 R150, 26-34 R180, 35-39 R210. Older bands were not legible in the broker update.

    Limits and benefits

    Overall annual limit: R223 000 per insured person per year

    Co-payment cover: Included

    Waiting periods: Refer to policy wording — waiting periods not stated in the broker update.

    Not published by the provider

    • Only the youngest three age bands are printed legibly
    • Waiting periods not printed
    Source: Sirago Broker Information Update 2026

    Plus Gap Cover

    Settles shortfalls up to 500% of the scheme rate (maximum 600%)

    No entry age limit

    Monthly premiums (2026)

    Individual, under 65R511/month
    Individual, 65 and olderR825/month
    Family, under 65R618/month
    Family, 65 and olderR965/month

    Ages 0-64: individual R511, family R618. Ages 65+: individual R825, family R965. No age limit. Base rate covers policyholder plus 4 dependants; additional dependants R55 (0-64) / R110 (65+).

    Limits and benefits

    Overall annual limit: R223 000 per insured person per year

    Co-payment cover: Included

    Sub-limits

    • Penalty fee: R16 000 per claim, 1 claim per policy
    • Robotic surgery: Subject to OAL, R19 000 per policy
    • Sub limit enhancer: R40 000 per policy per annum, max R15 000 per claim
    • Hospital account shortfalls: R5 000 per policy at R1 000 per claim; R1 200 sub-limit for private room upgrades

    Waiting periods: Refer to policy wording — waiting periods not stated in the brochure.

    Not published by the provider

    • Waiting periods not printed
    Source: Sirago Plus Gap Brochure 2026

    Ultimate Gap Cover

    Settles shortfalls up to 500% of the scheme rate

    Allied-professional shortfalls

    Monthly premiums (2026)

    Individual, under 65R645/month
    Individual, 65 and olderR973/month
    Family, under 65R778/month
    Family, 65 and olderR1 150/month

    Ages 0-64: individual R645, family R778. Ages 65+: individual R973, family R1 150.

    Limits and benefits

    Overall annual limit: R223 000 per insured person per year

    Co-payment cover: Included

    Sub-limits

    • Primary care: R5 500 pp, R850 per claim
    • Robotic surgery: Subject to OAL, R40 000 per policy
    • Appliance benefit: R9 000 per policy

    Waiting periods: Refer to policy wording — waiting periods not stated in the broker update.

    Not published by the provider

    • Waiting periods not printed
    Source: Sirago Broker Information Update 2026

    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.