3 products taken from Zestlife's published 2026 documents, underwritten by Guardrisk Insurance Company Limited. Every figure below links to the source document.
We do not sell Zestlife 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 Zestlife 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: R276 a month
3
products in the 2026 data set
R276–R591
published monthly premium range
Not stated
cover level of the scheme rate
3/3
products stating co-payment cover
Zestlife's cheapest published 2026 premium is R276 a month, which is cheaper than 15 of the 23 priced products we hold across 15 providers — the market median is R395 a month.
Compare all 37 products side by sideCover percentage not stated in the brochure
Monthly premiums (2026)
Individuals: R429 younger than 55, R549 for 55-64, R645 older than 65. Families: R549 where all insured are younger than 65, R645 where one or more are older than 65.
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 brochure.
Not published by the provider
Cover percentage not stated in the brochure
Monthly premiums (2026)
R276 per month for individuals younger than 35. The brochure prints no other age or family bands for this option.
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 brochure.
Not published by the provider
Cover percentage not stated in the brochure
Monthly premiums (2026)
Individuals: R591 younger than 55, R784 for 55-64, R930 older than 65. Families: R784 where all insured are younger than 65, R930 where one or more are older than 65. Premiums revised annually effective 1 January.
Limits and benefits
Overall annual limit: R223 000 per insured person per year
Co-payment cover: Included
Sub-limits
Waiting periods: Refer to policy wording — waiting periods not stated in the brochure.
Not published by the 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.