Get your gap cover quote online and choose the option that gives you extra protection, fewer surprises and more peace of mind.
Extra protection. Fewer surprises. More peace of mind
If you’ve ever wondered what gap cover is, here is the simple answer: You receive a bill from the doctor after a hospital procedure. Your medical aid pays most of the cost, but there is still a portion they don’t cover. That remaining amount is called the “gap.” Normally, you would have to pay that amount out of your own pocket. If you have Gap Cover, the policy steps in and pays that remaining amount (or part of it) so that you are not left with the unexpected bill.
Hollard Gap Cover is not a medical aid and it is not a substitute for medical aid membership.
This gap cover offering is ideal for:
Gap cover helps with medical expense shortfalls, so unexpected bills don’t catch you off guard. It’s insurance, designed to give you extra protection, fewer surprises and more peace of mind when it matters most.
This is gap cover in Namibia, built around the fact that medical aids sometimes only cover a portion of costs and shortfalls can happen. With the right option, you can feel more prepared when life throws these curveballs at you.
Choosing cover shouldn’t feel difficult. These gap cover offerings keeps it simple and helps you pick the level of extra protection that fits your life.
Benefit |
Core Option |
Plus Option |
|---|---|---|
| Overall Annual Limit | N$650,000 | N$1, 000,000 |
| In-Hospital Specialist Tariff Shortfalls | Up to 200% of NAMAF Tariff | Up to 250% of NAMAF Tariff |
| Out-of-Hospital Specialist Tariff Shortfalls | Not Covered | Up to 250% of NAMAF Tariff |
| Co-payment Cover (Gastroscopy, Colonoscopy, Specialised Radiology) |
Not Covered | Up to N$12,000 per event |
| Oncology Cover (once the applicable oncology or overall annual limit under your medical aid has been exhausted, as confirmed by your medical aid) | Not Covered | Up to N$500,000 per annum |
| Accidental Death & Permanent Disability | Not Covered | Up to N$30,000 lump sum per person |
| Premium Waiver (Death/Disability) |
Not Covered | 3 months Medical Aid + Gap Premiums |
| Waiting Period – General | 3 months (excluding claims arising from an Accidental Injury, as defined in the policy wording) | 3 months (excluding claims arising from an Accidental Injury, as defined in the policy wording) |
| Waiting Period – Condition-Specific | 12 months (pre-existing) | 12 months (pre-existing) |
Click here to get your gap cover quote online.
When you need to claim, you want progress, not paperwork stress. Our online claims process aims to make things easier.
1. Complete the digital claim form
Click here to submit your claim online.
2. Upload supporting documents
You will be prompted to upload the documents relevant to your claim, eg. doctor’s account, hospital account, and medical aid claims statement.
3. Submit and track your claim
Hollard Gap will keep you updated on the progress and outcome of your claim via email or WhatsApp.
You must submit your claim within 4 months of the date of treatment for which you’re claiming.
Contact your nearest financial advisor
Chat to a consultant via our WhatsApp support: +264 83 601 1828
Contact our offices on: +264 61 422 300/600
Click here to schedule a call with one of our consultants at a time that suits you.
