5 products taken from Stratum Benefits's published 2026 documents, underwritten by Guardrisk Insurance Company Limited (FSP 2111). Every figure below links to the source document.
We do not sell Stratum Benefits 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 Stratum Benefits 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: R217 a month
5
products in the 2026 data set
R217–R529
published monthly premium range
300%, 400%, 500%
cover level of the scheme rate
5/5
products stating co-payment cover
Stratum Benefits's cheapest published 2026 premium is R217 a month, which is cheaper than 19 of the 23 priced products we hold across 15 providers — the market median is R395 a month.
Settles shortfalls up to 300% of the scheme rate
Monthly premiums (2026)
One premium covers an individual or a family: R444 if 64 or younger, R591 if 65 or older.
Limits and benefits
Overall annual limit: R219 845 per insured person per year
Co-payment cover: Included
Sub-limits
Waiting periods: Standard 3-month general waiting period and 12-month condition-specific waiting period may apply — confirm with provider.
Cover percentage not stated in the brochure
Monthly premiums (2026)
One premium covers an individual or a family: R217 if 64 or younger, R288 if 65 or older.
Limits and benefits
Overall annual limit: R219 845 per insured person per year
Co-payment cover: Included
Sub-limits
Waiting periods: Standard 3-month general waiting period and 12-month condition-specific waiting period may apply — confirm with provider.
Not published by the provider
Settles shortfalls up to 300% of the scheme rate
Monthly premiums (2026)
Individual or family R692 if 65 or older. Premiums increase annually on 1 January.
Limits and benefits
Overall annual limit: R219 845 per insured person per year
Co-payment cover: Included
Sub-limits
Waiting periods: Standard 3-month general waiting period and 12-month condition-specific waiting period may apply — confirm with provider.
Settles shortfalls up to 500% of the scheme rate
Monthly premiums (2026)
Individual R529 and family R650 if 64 or younger; individual R858 and family R1 049 if 65 or older.
Limits and benefits
Overall annual limit: R219 845 per insured person per year
Co-payment cover: Included
Sub-limits
Waiting periods: Standard 3-month general waiting period and 12-month condition-specific waiting period may apply — confirm with provider.
Settles shortfalls up to 400% of the scheme rate
Monthly premiums (2026)
Individual R275 if 35 or younger, R352 between 36 and 64. Family R352 if 64 or younger. Individual or family R768 if 65 or older.
Limits and benefits
Overall annual limit: R219 845 per insured person per year
Co-payment cover: Included
Sub-limits
Waiting periods: Standard 3-month general waiting period and 12-month condition-specific waiting period may apply — confirm with provider.
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.