Turnberry Optimal Gap
4.6
Why it winsHighest editor score (4.6/5) across cover, value and service.
Gap Cover
Best medical gap cover in South Africa
Compare gap cover from Sirago, Turnberry, Stratum and Ambledown — shortfall limits, co-payment cover and oncology top-ups for SA medical aid members.
Written by
MoneyWise Editorial Team
SA Personal Finance Desk
Fact-checked
Faatimah Hendricks, CFP®
Independent reviewer
Last updated
4 August 2026
4 gap cover providers
DisclosureSome providers below are paid partners. Rankings reflect editor scoring — see how we review.
What matters most
What to look for in a gap cover provider
- 1Editor score across price, cover and customer service.
- 2Independent customer-satisfaction data (SAcsi, Ombudsman).
- 3Transparent fees and no lock-in clauses.
- 4Match to your situation — best-for tags reflect real use cases.
Editor's awards
Best gap cover for…
Our analysts ranked every option on price, cover, claims experience and rewards. These won their categories.
Ambledown Gap Cover
4.1
Why it winsLowest indicative monthly cost — From R285 pm (family).
- Editor's pick
Turnberry Optimal Gap
Up to 500% of medical aid rate
4.6Comprehensive shortfallsFrom R445 pm (family) Sirago Ultimate Gap
Family rate regardless of size
4.4FamiliesFrom R395 pm (family)Stratum Benefits Elite
Co-payment and deductible cover
4.3Co-paymentsFrom R360 pm (family)Ambledown Gap Cover
Entry-level premium
4.1ValueFrom R285 pm (family)
Ready to compare gap cover?
Spec sheet
Side-by-side comparison
Compare the exact gap cover features that matter — prices, cover, rewards and more — column by column.
| Gap Cover providers | T Turnberry Optimal Gap 4.6 Editor | S Sirago Ultimate Gap 4.4 | S Stratum Benefits Elite 4.3 | A Ambledown Gap Cover 4.1 |
|---|---|---|---|---|
| Best for | Comprehensive shortfalls | Families | Co-payments | Value |
| Starting price | R529 | R392 | R569 | R576 |
| App rating | 4.9 | 4.6 | 4.9 | 3.8 |
| Rewards programme | Included | Included | Included | Included |
| Support hours | Mon–Sat 7am–9pm | 24/7 chat, weekday phone | 24/7 chat, weekday phone | 24/7 phone & chat |
| Apply |
T
Turnberry Optimal Gap
Comprehensive shortfalls
4.6
- Starting price
- R529
- App rating
- 4.9
- Rewards programme
- Included
- Support hours
- Mon–Sat 7am–9pm
S
Sirago Ultimate Gap
Families
4.4
- Starting price
- R392
- App rating
- 4.6
- Rewards programme
- Included
- Support hours
- 24/7 chat, weekday phone
S
Stratum Benefits Elite
Co-payments
4.3
- Starting price
- R569
- App rating
- 4.9
- Rewards programme
- Included
- Support hours
- 24/7 chat, weekday phone
A
Ambledown Gap Cover
Value
4.1
- Starting price
- R576
- App rating
- 3.8
- Rewards programme
- Included
- Support hours
- 24/7 phone & chat
Spec values are indicative and standardised for comparison. Confirm details with each provider before applying. See our methodology.
Information is indicative. Always confirm directly with the provider and read the policy schedule before purchase. MoneyWise may earn a commission when you click through.
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