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Be Prepared for the Unexpected with Gap Cover.

Choose between Discovery Gap Comprehensive and Discovery Gap Core to ensure you are not held liable for any unexpected medical costs.

Gap Cover
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Specialised Cover.

If your approved in-hospital specialist claim is higher than what your medical scheme has agreed to pay out, Discovery Gap Comprehensive provides cover of up to 500% of the medical scheme rate while Discovery Gap Core provides up to 250% of the medical scheme rate, over and above what your medical scheme pays.

Premium Payouts.

Gap Cover ensures your premiums are covered in the event of your death, disability or severe illness.

Shortfall Protection.

Receive up to R100 000 a year for shortfalls on approved cancer-related claims once your oncology threshold has been reached.

Your Health In
Perfect Hands.

Your health is your single most important asset and your greatest source of wealth. That is why 1.618 Advisory Services is here to help you enjoy perfect health by guiding you through Discovery's Gap Cover plans and advising you on an option that suits you, as well as assisting with the often overwhelming process of authorisation, claims and administration.

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Prepare for the Unexpected.

Every Medical Aid has limits, and that is why Discovery Gap Comprehensive or Discovery Gap Core is such an excellent investment. Gap Cover ensures all of your medical bills and premiums are paid, making it essential for those unexpected costs due to death, disability or severe illness.

Discovery Gap Cover.

Pays up to 250% of your medical scheme rate on the core option or up to 500% of your medical scheme rate on the Comprehensive option when your approved in-hospital specialist claim is higher than what your medical scheme pays your specialist.

The Comprehensive option gives you an additional benefit of up to R15,000 on each policy to cover any shortfalls over and above what is covered by in-hospital specialist gap cover, as well as private ward cover and specific out of hospital shortfalls following authorised hospital admission.

The Core option offers an extra benefit of up to R7,500 per policy to cover additional shortfalls over and above what is covered by in-hospital Specialist Gap Cover.

Receive cover of up to R100,000 a year on the Comprehensive option or up to R75,000 a year on the Core option for shortfalls on approved cancer-related claims once your medical scheme’s oncology limit has been exhausted. This cover depends on the option you choose.

Benefit from added cover against shortfalls on approved emergency international claims incurred while travelling outside of South Africa.

Added cover for co-payments and deductible costs applicable to MRI and CT scans out of hospital and endoscopes performed in-hospital.

Discovery Supplementary Illness Benefit.

Provides you with a lump-sum payout of up to R630,000 when you are diagnosed with a qualifying illness associated with high-treatment costs, as well as access to advanced genomic sequencing for certain cancers.

Pays you R11,500 per month for a year if you or your spouse suffer a qualifying life-changing event.

Receive up to 25% of your Discovery Supplementary Illness Benefit back as part of your PayBack Benefit.

Added cover for your medical scheme, Discovery Vitality and Discovery Gap Cover premiums, for up to two years in the event of death, disability or severe illness.

The Most Affordable Premium.

Starting at just R109 for a single member for Discovery Gap Cover, you get cost-effective protection at competitive rates, making it the perfect addition to your Medical Aid. Not only is it affordable but premiums are based on your medical needs. One would need to be a member of a Discovery Health Medical plan (KeyCare plans are not included) and a waiting period may apply based on how long you have been with Discovery Health.


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As a juristic representative of Discovery Life, 1.618 Advisory Services is here to help clients live their perfect life by offering professional advice and class-leading Short-Term Insurance, Investments, Estate Administration and more.

An Independent Financial Services Provider dedicated to helping clients secure their wealth by providing world-class Medical Aid, Business Assurance, Investment, Retirement Planning and more.

Strategy + 1.618 Short Term Solutions = Protection Guaranteed. From Car, Household and General Insurance to Business and Commercial Insurance, 1.618 Short Term Solutions is here to help clients live their lives risk-free.

1.618 Advisory Services UK allows you to discover Your Perfect Health to Wellness Ratio. From Investments to Health Insurance and Life Cover, 1.618 Advisory Services UK is here to help clients live happy, healthy lives.

1.618 Wellness gives you access to medical consultations with our qualified medical team, who are there to discuss your wellness concerns, help you manage any existing medical conditions and keep potential problems in check.

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