Medical Gap cover for individuals members, by Stratum Benefits.
This is for people on medical aid that want to take out gap cover in their personal capacity. Some of the options can be taken even if you do not have a medical aid.
(NOTE: THERE HAVE BEEN SIGNIFICANT CHANGES TO BENEFITS FOR 2018, SEE THIS PAGE- CLICK LINK)
I have a medical aid, see below:
Elite plan (Stratum Benefits)
This is the top gap cover plan from Stratum Benefits.
It includes gap cover; co- payment benefit; sub- limit benefit; oncology benefit; casualty benefit and additional benefits.
R320 per family or individual, per month.
Download brochure here: 2017 Elite Plan
Co- Evolution plan (Stratum Benefits)
Cover on this plan includes: gap benefit; co- payment benefit; casualty benefit; trauma counselling benefit; cancer diagnosis benefit and an accidental death benefit.
R225 per family or individual, per month.
Download brochure here: 2017 Co-Evolution Product
Base plan (Stratum Benefits)
This is the most basic gap cover plan from Stratum Benefits.
Cover on the plan includes: gap benefit; casualty benefit; cancer diagnosis benefit; trauma counselling benefit and an accidental death benefit.
R180 per family, or individual, per month.
Download brochure here: 2017 Base Product (1)
G- Force plan (Stratum Benefits)
This plan is designed for government employees ( on GEMS scheme).
This plan offers: gap benefit; co- payment benefit; sub- limit benefit; oncology benefits; casualty benefit and additional benefits.
Cost: R240 per month.
Download the brochure here: 2017 G-Force Product
Hospital Optimiser (Stratum Benefits)
This plan is designed to offer additional cover for when your schemes overall annual hospital limit has been reached.
R85 monthly premium.
Download the brochure here: 2017 Hospital Optimiser Product
Access Optimiser (Stratum Benefits)
This plan is used for when treatment is required for a medical procedure that is not claimable from your medical scheme, because the procedure is listed as a specific exclusion (think Keycare Plans on Discovery Health).
Cost R180 monthly premium (add the gap benefit at R40).
Download the brochure here: 2017 Access Optimiser Product
I don’t have a medical aid (or do)
Stratum Benefits offers 2 plans for this situation.
Dental Assure plan
From basic and affordable dental benefits to specialised dentistry and eye care.
Costs: from R32 to R260 per principal insured, per month. The plan offers 3 different options (different levels of cover).
Download the brochure here: 2017 Dental Assure Product
(Update Aug 2017: Please note that there have been changes to the Dental Assure plan- discontinuation of the Orthondontic benefit from 1 Sept 2017). If you wish to see the email regarding this, let me know at :[email protected] and I will forward it to you).
Essential Primary Plus plan
This plan is a short term insurance policy which provides DAY-TO-DAY and EMERGENCY & ACCIDENTAL cover.
Costs start from R205 to R370, depending on option you choose.
Download the brochure here: 2017 Essential Primary Plus Product
Client Claim form: 2017-Client-Claim-Form
General Amendment form: 2017-General-Amendment-Form
Confirmation of first time Cancer Diagnosis form: Confirmation of First Time Cancer Diagnosis Letter
If you need help, you are welcome to contact us.