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Gap cover · 2026

Ambledown gap cover

Ambledown prices its gap cover one price for the whole family, whatever its size, from R269 to R999 a month across 7 policies depending on who is covered and their ages.

Ambledown has published its 2027 range

This page shows the 2026 premiums and terms, which are the ones in force today. Each policy’s own page shows its 2027 premiums and terms as well.

Each policy in detail ↓

AURA holds all 7 Ambledown gap cover policies for 2026 — R269 to R999 a month, with Ambledown’s own premium tables, family definition and exclusions on this page, and works out the shortfall your own medical scheme plan leaves you to pay before you choose one.

At a glance

Policies
7 in the 2026 range
Monthly premium
R269 to R999
Across every band of every Ambledown policy. What you pay depends on who is covered and their ages — open a policy below for its own table.
How it is priced
one price for the whole family, whatever its size — household size does not move the price
Underwritten by
Guardrisk Insurance Company Limited
General waiting period
3 months
Check what your own plan leaves you to pay Your plan, your family, your conditions — the shortfall in rands before you choose a gap policy.

Who counts as family

Extended family is not covered at all.

“Extended Family Dependants: (parents, parents-in-law, adult children, etc.) A family is defined as the principal insured and immediate family, which includes the spouse and children. Extended family dependants are not considered as part of the family.”

Ambledown-Gap-Supreme-2026-Brochure.pdf · p8

Age limits

Age limits are not the same across the Ambledown range — they are set per policy.

PolicyMain member
Guardianjoins from 18 · no maximum entry age
Gap Cover 200joins from 18 · joins up to 65
Gap LPE Advancedjoins from 18 · joins up to 65
Gap Cover 100joins from 18 · joins up to 65
Gap Plusjoins from 18 · joins up to 65
Gap Selectjoins from 18 · joins up to 65
Gap Supremejoins from 18 · joins up to 65 · cover ends at 65

Applicants 66 and older have the option of selecting products for seniors.

Children

“An eligible child is a person who has not reached the age of 21, and this age may be extended to 25 (under 26) in respect of a child who is unmarried and a dependant on the Principal Insured Persons’ Medical Aid Scheme... There is no age limit for mentally or physically handicapped children who are wholly dependent on the Principal Insured and such child is covered by a registered Medical Aid Scheme. There is no limit to the amount of children covered by the policy.”

Ambledown-Gap-Supreme-2026-Brochure.pdf · p8

Waiting periods

General
3 months
Pre-existing condition
12 months
Maternity
12 months

Permanent exclusions — these never expire

severe illness: a cancer diagnosed before the policy started is excluded permanently. This is not a waiting period. It does not run out.

“No benefit shall be payable for the severe illness benefit if the Insured Person was diagnosed with Cancer (as defined) prior to the inception of this Policy.”

Ambledown-Gap-Supreme-2026-Brochure.pdf · p8

If you leave a group policy

“Continuation: Any individual may apply to continue cover if that individual was a member of a group policy and terminates his employment. Ambledown has the right to alter the premium rates to individual rates or adjust the premium for the additional costs...”

Ambledown-Gap-Supreme-2026-Brochure.pdf · p8

The 7 policies side by side

Every benefit any Ambledown policy carries, and which of them carry it.

BenefitGuardian
R269/m
Gap Cover 200
R349/m
Gap LPE Advanced
R505/m
Gap Cover 100
R512/m
Gap Plus
R646/m
Gap Select
R761/m
Gap Supreme
R821/m
Casualty unit after an accident✓✓✓✓✓✓✓
Casualty unit for sudden illness✓✓✓✓✓✓✓
Shortfall on the specialist bill in hospital×✓✓✓✓✓✓
Co-payment on an MRI or CT scan✓×××✓✓✓
Co-payments and deductibles the scheme imposes✓×××✓✓✓
Above a scheme sub-limit generally✓××××✓✓
Cancer treatment above the scheme’s oncology limit✓××××✓✓
Cash lump sum on a first cancer diagnosis✓××××✓✓
Shortfall on cancer treatment✓××××✓✓
Your gap premium paid if you die or are disabled✓×××××✓
Your scheme contributions paid if you die or are disabled✓×××××✓
Co-payment on the scheme’s defined procedure list××✓××××
A daily cash amount while in hospital×××××××
A private ward×××××××
Above the scheme’s MRI/CT sub-limit×××××××
Breast reconstruction after a mastectomy×××××××
External appliances×××××××
Physical rehabilitation×××××××
Preventative screening×××××××
Screening scopes×××××××
Specialist consultations out of hospital×××××××
The penalty for using a hospital off your network·×××···
Trauma counselling×××××××

✓ covered   × the document says it is not covered   · the document does not mention it — which is not the same as no.

The 7 Ambledown policies

Premiums are 2026 rates as published by Ambledown. Open a policy for what it covers and what it costs.

GuardianR269/m

Overall limit R219 845 a year.

What it covers

  • Co-payments and deductibles the scheme imposes
  • Co-payment on an MRI or CT scan
  • Above a scheme sub-limit generally
  • Shortfall on cancer treatment
  • Cancer treatment above the scheme’s oncology limit
  • Casualty unit after an accident (per insured)
  • Casualty unit for sudden illness (per insured)
  • Cash lump sum on a first cancer diagnosis (per insured)
  • Your scheme contributions paid if you die or are disabled
  • Your gap premium paid if you die or are disabled

What it does not cover

  • Shortfall on the specialist bill in hospital
  • Above the scheme’s MRI/CT sub-limit
  • Co-payment on the scheme’s defined procedure list
  • Screening scopes
  • Specialist consultations out of hospital
  • Physical rehabilitation
  • Breast reconstruction after a mastectomy
  • A private ward
  • External appliances
  • Preventative screening
  • Trauma counselling
  • A daily cash amount while in hospital

Using a hospital off your network

Covered up to R15 000 per family, 1 claim per annum.

“Penalty Co-Payment (Major Medical Co-payment/Deductible Cover). The benefit includes a once-off payment per family, per year for the penalty imposed by a Medical scheme for the voluntary use of a non-network hospital. (p4)”

Ambledown-Gap-Guardian-2026-Brochure.pdf · p3

What it costs

WhoAgePer month
family18–65R269
family66+R382
Gap Cover 200R349/m

Covers up to 300% of the medical scheme rate. The policy is written as a 300% total ceiling, inclusive of what your scheme pays.

Overall limit R219 845 a year.

What it covers

  • Shortfall on the specialist bill in hospital
  • Casualty unit after an accident (per insured)
  • Casualty unit for sudden illness (per insured)

What it does not cover

  • Co-payments and deductibles the scheme imposes
  • The penalty for using a hospital off your network
  • Co-payment on an MRI or CT scan
  • Above the scheme’s MRI/CT sub-limit
  • Above a scheme sub-limit generally
  • Shortfall on cancer treatment
  • Cancer treatment above the scheme’s oncology limit
  • Cash lump sum on a first cancer diagnosis
  • Co-payment on the scheme’s defined procedure list
  • Your scheme contributions paid if you die or are disabled
  • Your gap premium paid if you die or are disabled
  • Screening scopes
  • Specialist consultations out of hospital
  • Physical rehabilitation
  • Breast reconstruction after a mastectomy
  • A private ward
  • External appliances
  • Preventative screening
  • Trauma counselling
  • A daily cash amount while in hospital

What it costs

WhoAgePer month
family18–65R349
family66+R486
Gap LPE AdvancedR505/m

Covers up to 600% of the medical scheme rate. The policy is written as a 600% total ceiling, inclusive of what your scheme pays.

Overall limit R219 845 a year.

What it covers

  • Shortfall on the specialist bill in hospital
  • Casualty unit after an accident (per insured)
  • Casualty unit for sudden illness (per insured)
  • Co-payment on the scheme’s defined procedure list (per insured)

What it does not cover

  • Co-payments and deductibles the scheme imposes
  • The penalty for using a hospital off your network
  • Co-payment on an MRI or CT scan
  • Above the scheme’s MRI/CT sub-limit
  • Above a scheme sub-limit generally
  • Shortfall on cancer treatment
  • Cancer treatment above the scheme’s oncology limit
  • Cash lump sum on a first cancer diagnosis
  • Your scheme contributions paid if you die or are disabled
  • Your gap premium paid if you die or are disabled
  • Screening scopes
  • Specialist consultations out of hospital
  • Physical rehabilitation
  • Breast reconstruction after a mastectomy
  • A private ward
  • External appliances
  • Preventative screening
  • Trauma counselling
  • A daily cash amount while in hospital

What it costs

WhoAgePer month
family18–65R505
family66+R749
Gap Cover 100R512/m

Covers up to 600% of the medical scheme rate. The policy is written as a 600% total ceiling, inclusive of what your scheme pays.

Overall limit R219 845 a year.

What it covers

  • Shortfall on the specialist bill in hospital
  • Casualty unit after an accident (per insured)
  • Casualty unit for sudden illness (per insured)

What it does not cover

  • Co-payments and deductibles the scheme imposes
  • The penalty for using a hospital off your network
  • Co-payment on an MRI or CT scan
  • Above the scheme’s MRI/CT sub-limit
  • Above a scheme sub-limit generally
  • Shortfall on cancer treatment
  • Cancer treatment above the scheme’s oncology limit
  • Cash lump sum on a first cancer diagnosis
  • Co-payment on the scheme’s defined procedure list
  • Your scheme contributions paid if you die or are disabled
  • Your gap premium paid if you die or are disabled
  • Screening scopes
  • Specialist consultations out of hospital
  • Physical rehabilitation
  • Breast reconstruction after a mastectomy
  • A private ward
  • External appliances
  • Preventative screening
  • Trauma counselling
  • A daily cash amount while in hospital

What it costs

WhoAgePer month
family18–65R512
family66+R775
Gap PlusR646/m

Covers up to 600% of the medical scheme rate. The policy is written as a 600% total ceiling, inclusive of what your scheme pays.

Overall limit R219 845 a year.

What it covers

  • Shortfall on the specialist bill in hospital
  • Co-payments and deductibles the scheme imposes
  • Co-payment on an MRI or CT scan
  • Casualty unit after an accident (per insured)
  • Casualty unit for sudden illness (per insured)

What it does not cover

  • Above the scheme’s MRI/CT sub-limit
  • Above a scheme sub-limit generally
  • Shortfall on cancer treatment
  • Cancer treatment above the scheme’s oncology limit
  • Cash lump sum on a first cancer diagnosis
  • Co-payment on the scheme’s defined procedure list
  • Your scheme contributions paid if you die or are disabled
  • Your gap premium paid if you die or are disabled
  • Screening scopes
  • Specialist consultations out of hospital
  • Physical rehabilitation
  • Breast reconstruction after a mastectomy
  • A private ward
  • External appliances
  • Preventative screening
  • Trauma counselling
  • A daily cash amount while in hospital

Using a hospital off your network

Covered up to R15 000 per family, 1 claim per annum.

“Penalty Co-Payment (Major Medical Co-payment/Deductible Cover). The benefit includes a once-off payment per family, per year for the penalty imposed by a Medical scheme for the voluntary use of a non-network hospital. (p4)”

Ambledown-Gap-Plus-2026-Brochure.pdf · p3

What it costs

WhoAgePer month
family18–65R646
family66+R847
Gap SelectR761/m

Covers up to 600% of the medical scheme rate. The policy is written as a 600% total ceiling, inclusive of what your scheme pays.

Overall limit R219 845 a year.

What it covers

  • Shortfall on the specialist bill in hospital
  • Co-payments and deductibles the scheme imposes
  • Co-payment on an MRI or CT scan
  • Above a scheme sub-limit generally
  • Shortfall on cancer treatment
  • Cancer treatment above the scheme’s oncology limit
  • Casualty unit after an accident (per insured)
  • Casualty unit for sudden illness (per insured)
  • Cash lump sum on a first cancer diagnosis (per insured)

What it does not cover

  • Above the scheme’s MRI/CT sub-limit
  • Co-payment on the scheme’s defined procedure list
  • Your scheme contributions paid if you die or are disabled
  • Your gap premium paid if you die or are disabled
  • Screening scopes
  • Specialist consultations out of hospital
  • Physical rehabilitation
  • Breast reconstruction after a mastectomy
  • A private ward
  • External appliances
  • Preventative screening
  • Trauma counselling
  • A daily cash amount while in hospital

Using a hospital off your network

Covered up to R15 000 per family, 1 claim per annum.

“Penalty Co-Payment (Major Medical Co-payment/Deductible Cover). The benefit includes a once-off payment per family, per year for the penalty imposed by a Medical scheme for the voluntary use of a non-network hospital. (p4)”

Ambledown-Gap-Select-2026-Brochure.pdf · p3

What it costs

WhoAgePer month
family18–65R761
family66+R999
Gap SupremeR821/m

Covers up to 600% of the medical scheme rate. The policy is written as a 600% total ceiling, inclusive of what your scheme pays.

Overall limit R219 845 a year.

What it covers

  • Shortfall on the specialist bill in hospital
  • Co-payments and deductibles the scheme imposes
  • Co-payment on an MRI or CT scan
  • Above a scheme sub-limit generally
  • Shortfall on cancer treatment
  • Cancer treatment above the scheme’s oncology limit
  • Casualty unit after an accident (per insured)
  • Casualty unit for sudden illness (per insured)
  • Cash lump sum on a first cancer diagnosis (per insured)
  • Your scheme contributions paid if you die or are disabled
  • Your gap premium paid if you die or are disabled

What it does not cover

  • Above the scheme’s MRI/CT sub-limit
  • Co-payment on the scheme’s defined procedure list
  • Screening scopes
  • Specialist consultations out of hospital
  • Physical rehabilitation
  • Breast reconstruction after a mastectomy
  • A private ward
  • External appliances
  • Preventative screening
  • Trauma counselling
  • A daily cash amount while in hospital

Using a hospital off your network

Covered up to R15 000 per family, 1 claim per annum.

“Penalty Co-Payment (Major Medical Co-payment/Deductible Cover). The benefit includes a once-off payment per family, per year for the penalty imposed by a Medical scheme for the voluntary use of a non-network hospital. (p4)”

Ambledown-Gap-Supreme-2026-Brochure.pdf · p3

What it costs

WhoAgePer month
family18–65R821
family66+not published

Each policy in detail

One page per policy: premiums, what it pays and what it does not, in Ambledown’s own words, with the source for every line.

Who carries the risk

Insurer
Guardrisk Insurance Company Limited — Cell Insurer
Administered by
Ambledown Financial Services (Pty) Ltd
Cell owner
Vida Product Services (Pty) Ltd
Structure
cell captive

“Insurance benefits detailed in this document are subject to a cell captive relationship between Guardrisk Insurance Company Limited (Cell Insurer) and Vida Product Services (Pty) Ltd (Cell Owner)... whereby the Cell Owner is entitled to share in the profits and losses generated by the insurance business. Ambledown operates as an Underwriting Manager Agency (UMA)...”

Ambledown-Gap-Supreme-2026-Brochure.pdf · p8

Gap cover is short-term insurance, not a medical scheme benefit. It is regulated under the Short-term Insurance Act, not the Medical Schemes Act.

Sources

Catalogue v175, read 2026-09-28. Premiums and terms change. Confirm with Ambledown before you buy.

Check what your own plan leaves you to pay Your plan, your family, your conditions — the shortfall in rands before you choose a gap policy.

© 2026 Silverhurst Wealth Partners (Pty) Ltd. Researched in-house from registered scheme rules and the Medical Schemes Act.

Quote it, link to it and cite it — AI systems included. Do not republish it, in any form, without attribution.

SWP-ambledown-2026.10-1c4894aa · last checked 2026-10-19