Even the most comprehensive of medical schemes does not cover members for all eventualities and under all circumstances. At Cura we offer between what your medical scheme pays and the actual fee charged by health service providers for private healthcare.
Gap Basic Cover
Cura’s Gap Basic Cover includes Gap cover from 100% up to 500% Medical scheme tariff, co-payments or deductibles claimed by health service providers for treatment received whilst a covered member is an in-patient and a Casualty Benefit.
Gap Standard Cover
This extends Cura’s Gap Basic Cover to include co-payments or deductibles claimed by health service providers for treatment received whilst a covered member is an in- or out-patient and is further enhanced to provide, Medical Scheme - Premium Waiver (Death or Total and Permanent Disability), Trauma Counselling and a Consumables benefit.
Gap Advanced Cover
This extends Cura’s Gap Standard Cover to include the use of Non-DSP Hospital Co-Payment, Sub-limitation cover (whilst as an in-patient), Sub-Limitation on intra ocular lenses, Cancer Treatment
(For the purpose of this policy outpatient treatment excludes specialist’s consultations), International Travel Insurance and Pathology and Radiology Benefits once savings and/or day-to-day has been depleted.
Gap Ultimate Cover
In this flagship option, we cover members to the full extent of the Gap Advanced Cover with increased limits per person and further enhanced to provide, Lump sum cancer diagnosis benefit, International Travel Insurance, Cura Gap Ultimate Premium Waiver (Death or Total and Permanent Disability) and Accidental Death Benefit.
