Stratum Benefits gap cover for 2018

2  Choices: Gap cover or/ and Health Insurance

Thanks to clarification in the Demarcation  debate, Stratum Benefits have clearly segmented their products into Gap Cover and Health Insurance.

Gap Cover

Choose between 200% cover or 500% cover, when your private healthcare fees are not paid in full.

Health insurance

Choose between options that provide day-to-day and emergency and accidental cover (whether you belong to a medical aid or not).

Gap Cover product range for individuals
200% Gap Cover options500% Gap Cover options
Edge 200Base
Compact 200Co-evolution
Elite
Access Optimiser and Voluntary gap benefit
Gap Product cover range for Employer groups
200% Gap Cover options500% Gap Cover options
Corporate Compact 200Corporate Elite
Corporate Access and Gap benefit
Health Insure product range for individuals and employer group schemes
Day-to-day benefits only
Emergency and Accidental benefits only
Day-to-day and Emergency and Accidental benefits

Waiting periods for 2018

  • 3 month general waiting period (gap cover)
  • 12 month Pre-existing waiting period (gap cover)
  • 2 month general waiting period (health Insurance)
  • 9 month waiting period on maternity care (health insurance)
  • 12 month period on basic eye care and chronic medication (health insurance)
  • Corporate/ Employer group waiting periods subject to demographic profile of group.

Download the Stratum Benefits 2018 brochure you need:

Corporate/ Employer Gap cover

(Premiums and Waiting periods are subject to the demographic profile of the Employer Group with a minimum qualifying criterion of 10 or more employees)

  • 2018 Corporate Compact200 Product (Gap benefit 200%; Co-payment benefit; Oncology benefits; Sub-limit benefit; Casualty benefit; Trauma Counselling benefit; Accidental death benefit).
  • 2018 Corporate Elite Product (Gap benefit 500%; Co-payment benefit; Oncology benefits; Sub-limit benefit; Casualty benefit; Trauma counselling benefit; Rehabilitation optimiser benefit; Preventative Care benefit; Additional benefits).
  • 2018 Corporate Access Product (with gap) (Access Optimiser benefit; Gap benefit 500%; Accidental death benefit).

Corporate/ Employer Health Insurance product

(Premiums and Waiting periods are subject to the demographic profile of the Employer Group with a minimum qualifying criterion of 10 or more employees)

  • 2018 Corporate Essential Product (Day-to-day benefits only; Emergency and Accidental benefits only; Day-to-day and Emergency and Accidental benefits; Essential Wellness benefits).

Complete Corporate/ Employer range brochure (Gap cover and Heath Insurance): 2018 Corporate Product Range Digital


Individuals Gap Cover

  • 2018 Edge200 Product  (one insured individual per policy- from R100 pm for cover). (Gap benefit 200%; Casualty benefit; Gap premium policy waiver benefit).
  • 2018 Compact200 Product  (limit 2 insured inviduals per policy if over age 65. From R180 pm). (Gap benefit 200%; Co-payment benefit; Oncology benefits; Sub-Limit benefit; Casualty benefit; Trauma Counselling benefit; Accidental death benefit).
  • 2018 Base Product (limit 2 insured individuals per policy if over age 65. From R180 pm). (Gap benefit 500%; Casualty benefit; Trauma Counselling benefit; Cancer Diagnosis benefit; Accidental Death benefit).
  • 2018 Co-Evolution Product (limit 2 insured individuals per policy if over age 65. From R200 pm). (Gap benefit 500%; Co-payment benefit; Casualty benefit; Trauma Counselling benefit; Cancer diagnosis benefit; Accidental Death benefit).
  • 2018 Elite Product (limit 2 insured individuals per policy if over age 65. From R295 pm). (Gap benefit 500%; Co-payment benefit; Oncology benefits; Sub-limit benefit; Casualty benefit; Trauma Counselling benefit; Rehabilitation Optimiser benefit; Preventative Care benefit; Additional benefits). NOTE: brochure being updated… change to member over 65 and single premium.
  • 2018 Access Optimiser Product (limit 2 insured individuals per policy if over age 65. From R235 pm).(good option for Keycare plans on Discovery Health)(Note: you can add Voluntary gap cover to this product). ( Access Optimiser benefit; Can add Gap benefit 500%; Accidental death benefit).

Individuals Health Insurance cover

  • 2018 Essential Primary Plus Product (you choose between day-to-day benefits or / and emergency and accidental benefits. Using the Unity Health doctor network. Emergencies/accidents with admission in a private hospital. Plan limit R1 million.)

Complete individual product range brochure (Gap cover and Health Insurance): 2018-Individual-Product-Range-Digital

Complete individuals range overview/ summary brochure: 2018-Gap-Cover-Product-Range-Overview

Application forms

If you are wanting to apply for gap cover or health insurance and you have understood that there are waiting periods, you may send the application form to me via email on [email protected].

I will then call and confirm with you, before submitting any applications for cover.


If you would prefer to be in contact, you can either email (address above) or use this contact form (below). Please allow for a few days for me to contact you, as I am  heavily in demand.

(This information  is taken from freely available material. This is a summarised blog post and full information needs to be read, prior to taking any product, including all applicable terms and conditions).

Stratum Benefits gap cover for 2018 was last modified: October 17th, 2017 by Kenny Williamson

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