There are often extra medical expenses not covered by the medical aids. Some Medical professionals in South Africa may charge more than your medical aid will cover for in hospital procedures making you liable for the extra costs.
Your medical scheme may pay 100% or 200% of medical scheme rates. In Hospital Specialists may charge up to 500% of the medical scheme rate. You will be liable for the difference between what your medical aid will pay and what the doctors will charge for your specific procedure.
You can receive extra cover for shortfalls in your medical insurance by paying a small fee for a short term insurance product that is known as GAP Cover insurance.