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 |
Plus |
|---|---|---|
| Overall Annual Limit | N$1 000 000 | N$2 000 000 |
| In-Hospital Tariff Shortfalls | Tops up to 250% of NAMAF Tariff | Tops up to 300% of NAMAF Tariff |
| Out-of-Hospital Tariff Shortfalls | • General Practitioner consultations N$800 per visit with an Overall Annual Limit of N$4 000 • Specialist consultations up to 250% of NAMAF Tariff |
• General Practitioner consultations N$1 800 per visit with an Overall Annual Limit of N$6 000 • Specialist consultations up to 300% of NAMAF Tariff |
| Co-payment Cover (Scopes, Specialised Radiology, Hospital Admissions & Procedures) | • Hospital admission up to N$1 500 per event • Procedural Co-Payment up to N$10 000 per event |
• Hospital admissions up to N$4 000 per event • Procedural Co-Payment N$20 000 per event • Co-payments up to N$12 000 per event for Scopes & Scans |
| Oncology Shortfall (per family) | Up to N$500 000 per year | Up to N$1 000 000 per year |
| Dental Cover | In-hospital basic dental treatment only N$15 000 per year | • In-hospital basic dental treatment N$30 000 per year • Out-of-hospital basic dental cover up to N$2 500 per year |
| Mental Health Treatment | In-hospital mental health treatment up to 250% of NAMAF Tariff | • In-hospital mental health treatment up to 300% of NAMAF Tariff • Outpatient mental health treatment up to N$6 000 per year |
| Prosthesis Devices | N$16 000 per year | N$25 000 per year |
| Accidental Death and Disability | Not covered | N$30 000 lump sum |
| Premium Waiver | Not covered | 3 months on death/permanent disability |
| Waiting Period | • 3 months General • 12 months Pre-existing conditions |
• 3 months General • 12 months Pre-existing conditions |
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.
