Brochure

Compare Bloom Gap Options

Get a quote now

We’ll call you back

    Bloom Gap cover is a way to ensure that you’re covered for medical expense shortfalls. Gap cover works in conjunction with your medical aid to provide you with better financial support when you need it. 

    We’ve partnered with Cinagi to offer our members affordable gap healthcare solutions for the South African market. There are two gap category plans available and each plan provides a wide range of benefits.

    Download Brochure
    Gap Max Gap Core
    A quick comparison of our Gap Cover benefits
    Tariff Shortfalls
    Overall Annual Limit (OAL) for Gap Cover Benefits * R198,660 pppa R198,660 pppa
    We cover medical specialists for treatment or surgery provided in hospital We cover medical oncologists for treatment provided in or out of hospital Benefit Enhancement up to 600% Benefit Enhancement up to 500%
    We cover medical specialists for out-patient procedures that would attract a co-payment if performed in hospital Subject to OAL Subject to OAL
    We cover gynaecologist or GP consultations during the 2nd and 3rd trimester of pregnancy R600 per consult
    R2,400 per pregnancy    		 R600 per consult
    R2,400 per pregnancy
    Oncology Co-Payments
    We cover the 20% co-payment applied after reaching the oncology threshold Subject to OAL Subject to OAL
    We cover the 25% and 50% co-payments applied to approved precision medicines R15,000 per claim Subject to OAL R12,500 per claim Subject to OAL
    If your medical scheme approves ex-gratia benefits for oncology medicines, we will provide additional cover for your portion of the costs R15,000 per claim/ R30,000 per medicine cycle Subject to OAL R12,500 per claim/ R25,000 per medicine cycle Subject to OAL
    Upfront Payments
    We cover fixed rand value upfront payments for MRI/CT/PET scans, in-hospital endoscopes, in-hospital basic dentistry and defined medical procedures Subject to OAL Subject to OAL
    We cover other upfront payments (including robotic surgery) R22,000 per event R14,000 per event
    We cover upfront payments for voluntary use of non-network hospital/day clinic R18,000 per event max 2 pa R12,000 per event max 1 pa
    Limit Extender
    We cover shortfalls when a sub-limit applies to internal prosthetic devices R64,000 per event R44,000 per event
    We cover shortfalls when a sub-limit applies to MRI/CT/PET scans, endoscopes and intra-ocular lenses R7,000 per event R5,800 per event
    Gap Max Gap Core
    Extender Cover
    Casualty Cover
    Cover for emergency treatment at a casualty facility resulting from an accident R18,000 per event | max 2 pa R14,000 per event | max 2 pa
    If the accident was a sports injury, we will also cover shortfalls on rehabilitation consultations R680 per consult | max 6 pe R460 per consult | max 6 pe
    Travel Cover
    Cover for the excess on your international travel insurance for medical emergencies R3,400 per departure R2,400 per departure
    Cancer Diagnosis
    For a first lifetime cancer diagnosis made after inception of the policy and waiting periods. R40,000 Lump Sum R30,000 Lump Sum
    If after diagnosis you upgrade your medical scheme benefit option at the first upgrade opportunity, we will provide a waiver for the additional contributions * R4,000 pm for 12 Months R14,000 per event
    Extra Cover
    For an admission resulting from an accident and where the admission is 3 days or longer Daily Lump Sum Payable: Tier 1 pays from day 1 to 7 and Tier 2 pays from day 8 to 28 Tier 1 = R160 per day
    Tier 2 = R1,600 per day    		 Tier 1 = R110 per day
    Tier 2 = R1,100 per day
    For a premature Birth that is 42 Days or more earlier than the expected due date R20,000 per event R15,000 per event
    Accident Cover
    In the event of accidental death or permanent disability caused by an accident R32,000 pppa R28,000 pppa
    If the event was a direct result of a proven crime, an additional benefit is payable R32,000 pppa R28,000 pppa
    Waiver Cover
    In the event of accidental death or permanent disability of the principal member or spouse, we will cover the cost of the medical scheme contributions and gap cover premiums R7,800 pm – medical aid 100% on policy R5,400 pm – medical aid 100% on policy

    In partnership with Cinagi

    By joining forces with Cinagi, Bloom strengthens its ability to meet the healthcare and insurance needs of our valued customers. Together, we will distribute a range of high-quality, relevant, and fairly-priced products to as many South Africans as possible. With our shared values of honesty, integrity, hard work, fairness, and customer-centricity, we are a perfect match to deliver exceptional healthcare solutions to the South African market.

    We are thrilled to have Cinagi as our partner in this journey. With their expertise and our unwavering commitment to our customers, we are poised to become market leaders in the healthcare industry. 

    Experience the power of our partnership for quality healthcare. Contact us today to explore the wide range of products and services we offer. Together, let’s unlock a healthier future for South Africa.

    GET A QUOTE

    Your journey to quality healthcare starts here.

    View Brochure
    Health Insurance
    Benefit and Claims Queries
    GAP COVER
    Claims Queries
    About
    Sales and Customer Services Queries
    Get a Quote
    Facebook Linkedin Instagram

    Momentum Health4Me is not a medical scheme product, and is not a substitute for medical scheme membership. The information provided on this website does not constitute advice in terms of the Financial Advisory and Intermediary Services Act. Momentum is a division of Momentum Metropolitan Life Limited, an authorised financial services provider (FSP 6406) and a wholly owned subsidiary of Momentum Metropolitan Holdings Limited.

    Bloom Gap Cover is not a medical Scheme. Products that are offered are not the same as that of a medical scheme.

    © Bloom 2023. Bloom (Pty) Ltd is an authorised financial services provider (FSP 50140). Bloom Gap is underwritten by Infiniti Insurance Limited a licensed non-life insurer and an authorised financial services provider (FSP No.35914)

    Privacy Policy

    Fill in your details

    We’ll call you back

      Fill in your details

      We’ll call you back

        Heath4Me

        Gap Cover

        Medical Aid

        Heath4Me

        Gap Cover

        Medical Aid