How much does Sirago gap cover cost in 2026?

Sirago gap cover runs from R150 to R1 150 a month in 2026 across the 7 policies we hold. The figure depends on who is covered and their ages — Sirago prices on two different models depending on the policy — a base premium plus add-ons, or a sum per member. The low end is the cheapest cell of the cheapest policy, not a price most households pay.

Who counts as family on Sirago gap cover?

On Sirago, a family means the policyholder, the dependants on certificate of membership.

Is there an age limit on Sirago gap cover?

It depends on the policy. 4 of the 7 (Gap Liberal, Gap Assist, Plus Gap, Ultimate Gap) state no maximum entry age; 2 of the 7 (Gap Core, Exact with Gap and CoPay) cap entry at 64; one policy (Gap Liberal Lite) caps entry at 39.

Who underwrites Sirago gap cover?

Sirago gap cover is underwritten by GENRIC Insurance Company Limited, administered by Sirago Underwriting Managers (Pty) Ltd.

What waiting periods apply to Sirago gap cover?

A general waiting period of 3 months applies, 10 months for a pre-existing condition and 10 months for maternity.

Does Sirago gap cover pay out for a cancer diagnosed before I joined?

No. Sirago excludes a pre-existing cancer from the cancer severe illness benefit permanently. This is an exclusion, not a waiting period: it does not expire.

← All gap cover providers

Gap cover · 2026

Sirago gap cover

Sirago prices its gap cover on two different models depending on the policy — a base premium plus add-ons, or a sum per member, from R150 to R1 150 a month across 7 policies depending on who is covered and their ages.

Sirago 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 Sirago gap cover policies for 2026 — R150 to R1 150 a month, with Sirago’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: R150 to R1 150
Across every band of every Sirago policy. What you pay depends on who is covered and their ages — open a policy below for its own table.
How it is priced: on two different models depending on the policy — a base premium plus add-ons, or a sum per member — household size moves the price
Underwritten by: GENRIC 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

policyholder
dependants on certificate of membership

“Individual membership: the premium for an individual will apply if there is one policyholder and no dependants. Family membership: this policy will cover the policyholder and the dependants who are listed on the Schedule of Insurance. The base premium rate includes the policyholder and 4 (four) dependants (a total of 5 insured persons).”

Sirago-Broker-Information-Update-2026-electronic.pdf · p6

Age limits

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

Policy	Main member
Gap Liberal Lite	joins up to 39
Gap Liberal	no maximum entry age
Gap Core	joins up to 64
Gap Assist	no maximum entry age
Exact with Gap and CoPay	joins up to 64
Plus Gap	no maximum entry age
Ultimate Gap	no maximum entry age

All ages covered; the policyholder’s age at inception sets the premium band (64 or younger / 65 or older), it does not exclude.

Waiting periods

General: 3 months
Pre-existing condition: 10 months
Maternity: 10 months

Permanent exclusions — these never expire

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

“...previously been diagnosed with cancer in your lifetime will not [be covered]...”

Sirago-Broker-Information-Update-2026-electronic.pdf · p24

If you leave a group policy

Not stated in the broker document.

The 7 policies side by side

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

Benefit	Gap Liberal Lite R150/m	Gap Liberal R194/m	Gap Core R395/m	Gap Assist R440/m	Exact with Gap and CoPay R446/m	Plus Gap R511/m	Ultimate Gap R645/m
Casualty unit after an accident	✓	✓	✓	✓	✓	✓	✓
Co-payments and deductibles the scheme imposes	✓	✓	✓	✓	✓	✓	✓
Shortfall on the specialist bill in hospital	✓	✓	✓	✓	✓	✓	✓
Casualty unit for sudden illness	✓	✓	×	✓	✓	✓	✓
Extras the provider adds at no charge	✓	✓	✓	✓	×	✓	✓
Prescribed Minimum Benefit shortfalls	✓	✓	✓	✓	×	✓	✓
Procedures done out of hospital	✓	✓	✓	✓	×	✓	✓
Shortfall on cancer treatment	✓	✓	✓	✓	×	✓	✓
A private ward	×	✓	✓	✓	×	✓	✓
Above a scheme sub-limit generally	✓	✓	✓	×	×	✓	✓
Co-payment on robotic surgery	×	✓	✓	✓	×	✓	✓
Shortfall on the hospital account itself	×	✓	✓	✓	×	✓	✓
Trauma counselling	✓	✓	×	✓	×	✓	✓
Cancer treatment above the scheme’s oncology limit	×	✓	×	×	×	✓	✓
Cash lump sum on a first cancer diagnosis	×	✓	×	×	×	✓	✓
External appliances	×	×	×	✓	×	✓	✓
Specialist consultations out of hospital	×	✓	×	×	×	✓	✓
Your gap premium paid if you die or are disabled	×	✓	×	×	×	✓	✓
Your scheme contributions paid if you die or are disabled	×	✓	×	×	×	✓	✓
Breast reconstruction after a mastectomy	×	×	×	×	×	✓	✓
Cash lump sum on accidental death or permanent disability	×	×	×	×	×	✓	✓
Newer cancer drugs the scheme does not fund	×	×	×	×	×	✓	✓
Preventative screening	×	×	×	×	×	✓	✓
Above the scheme’s MRI/CT sub-limit	×	×	×	×	×	×	✓
Co-payment on the scheme’s defined procedure list	·	·	·	·	✓	·	·
Dental work after an accident	·	·	·	·	·	·	✓
Everyday GP visits	×	×	×	×	×	×	✓
Physical rehabilitation	×	×	×	×	×	×	✓
A daily cash amount while in hospital	×	×	×	×	×	×	×
Basic dentistry for children	×	×	×	×	×	×	×
Cash lump sum on death from a critical illness	×	×	×	×	×	×	×
Co-payment on a scope	·	·	·	·	·	·	×
Co-payment on an MRI or CT scan	·	·	·	·	·	·	×
Dental implants	×	×	×	×	×	×	×
Dental work after an accident	×	×	×	×	×	×	·
Dental work in hospital	×	×	×	×	×	×	×
MedBoost	×	×	×	×	×	×	×
Preventative mastectomy	·	·	·	·	·	·	×
Recovery after trauma	·	·	·	·	·	·	×
Screening scopes	×	×	×	×	·	×	×
The penalty for using a hospital off your network	·	·	·	·	×	·	·

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

The 7 Sirago policies

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

Gap Liberal Lite and Gap Core are not in Sirago’s 2027 range. Sirago’s 2027 documents do not include them.

Gap Liberal LiteR150/m

Covers up to 300% of the medical scheme rate. The policy is written as 200% in addition to the 100% your scheme already pays.

Overall limit R223 000 a year.

What it covers

Shortfall on the specialist bill in hospital
Co-payments and deductibles the scheme imposes
Procedures done out of hospital
Prescribed Minimum Benefit shortfalls
Above a scheme sub-limit generally (per policy)
Casualty unit after an accident (per policy)
Casualty unit for sudden illness
Trauma counselling (per policy)
Shortfall on cancer treatment
Extras the provider adds at no charge
Sira'Go Baby — R2 000 per newborn.
Extras the provider adds at no charge
MedCare Cover — for all claims exceeding R9 000.

What it does not cover

Co-payment on robotic surgery
Everyday GP visits
Specialist consultations out of hospital
Shortfall on the hospital account itself
A private ward
Above the scheme’s MRI/CT sub-limit
Physical rehabilitation
Preventative screening
External appliances
Screening scopes
Dental work after an accident
Newer cancer drugs the scheme does not fund
Cancer treatment above the scheme’s oncology limit
Breast reconstruction after a mastectomy
Your gap premium paid if you die or are disabled
Your scheme contributions paid if you die or are disabled
Cash lump sum on accidental death or permanent disability
Cash lump sum on a first cancer diagnosis
Dental work in hospital
Dental implants
Basic dentistry for children
Cash lump sum on death from a critical illness
MedBoost
A daily cash amount while in hospital

Using a hospital off your network

Covered up to R13 000 per policy, 1 claim per annum.

“R13 000 pc, Max 1 claim per policy”

Sirago-Broker-Information-Update-2026-electronic.pdf · p9

What it costs

Who	Age	Per month
age rates	0–25	R150
age rates	26–34	R180
age rates	35–39	R210

Gap LiberalR194/m

Covers up to 500% of the medical scheme rate. The policy is written as 400% in addition to the 100% your scheme already pays.

Overall limit R223 000 a year.

What it covers

Shortfall on the specialist bill in hospital (per policy)
Sub-limit: robotic surgery R15 000
Co-payment on robotic surgery (per policy)
Sub-limit: robotic surgery R15 000
Co-payments and deductibles the scheme imposes
Procedures done out of hospital
Prescribed Minimum Benefit shortfalls
Shortfall on the hospital account itself (per policy)
A private ward
Above a scheme sub-limit generally (per policy)
Specialist consultations out of hospital (per policy)
Casualty unit after an accident (per policy)
Casualty unit for sudden illness
Trauma counselling (per policy)
Shortfall on cancer treatment
Cancer treatment above the scheme’s oncology limit
Your gap premium paid if you die or are disabled
Your scheme contributions paid if you die or are disabled
Cash lump sum on a first cancer diagnosis (per dependant)
Extras the provider adds at no charge
Sira'Go Baby — R2 000 per newborn.
Extras the provider adds at no charge
MedCare Cover — for all claims exceeding R9 000.

What it does not cover

Everyday GP visits
Above the scheme’s MRI/CT sub-limit
Physical rehabilitation
Preventative screening
External appliances
Screening scopes
Dental work after an accident
Newer cancer drugs the scheme does not fund
Breast reconstruction after a mastectomy
Cash lump sum on accidental death or permanent disability
Dental work in hospital
Dental implants
Basic dentistry for children
Cash lump sum on death from a critical illness
MedBoost
A daily cash amount while in hospital

Using a hospital off your network

Covered up to R16 000 per policy, 1 claim per annum.

“R16 000 pc, Max 1 claim per policy”

Sirago-Broker-Information-Update-2026-electronic.pdf · p9

What it costs

Who	Age	Per month
age rates	0–29	R194
age rates	30–39	R225
age rates	40–49	R291
age rates	50–59	R389
age rates	60–64	R550
age rates	65+	R705

Gap CoreR395/m

Covers up to 450% of the medical scheme rate. The policy is written as 350% in addition to the 100% your scheme already pays.

Overall limit R223 000 a year.

What it covers

Shortfall on the specialist bill in hospital (per policy)
Sub-limit: robotic surgery R18 000
Co-payment on robotic surgery (per policy)
Sub-limit: robotic surgery R18 000
Co-payments and deductibles the scheme imposes
Procedures done out of hospital
Prescribed Minimum Benefit shortfalls
Shortfall on the hospital account itself (per policy)
A private ward
Above a scheme sub-limit generally (per policy)
Casualty unit after an accident (per policy)
Shortfall on cancer treatment
Extras the provider adds at no charge
Sira'Go Baby — R1 500 per newborn.
Extras the provider adds at no charge
MedCare Cover — for all claims exceeding R9 000.

What it does not cover

Everyday GP visits
Specialist consultations out of hospital
Casualty unit for sudden illness
Above the scheme’s MRI/CT sub-limit
Physical rehabilitation
Preventative screening
External appliances
Trauma counselling
Screening scopes
Dental work after an accident
Newer cancer drugs the scheme does not fund
Cancer treatment above the scheme’s oncology limit
Breast reconstruction after a mastectomy
Your gap premium paid if you die or are disabled
Your scheme contributions paid if you die or are disabled
Cash lump sum on accidental death or permanent disability
Cash lump sum on a first cancer diagnosis
Dental work in hospital
Dental implants
Basic dentistry for children
Cash lump sum on death from a critical illness
MedBoost
A daily cash amount while in hospital

Using a hospital off your network

Covered up to R11 500 per policy, 1 claim per annum.

“R11 500 pc, Max 1 claim per policy”

Sirago-Broker-Information-Update-2026-electronic.pdf · p9

What it costs

Who	Age	Per month
individual	0–64	R395
family	0–64	R457

Gap AssistR440/m

Covers up to 600% of the medical scheme rate. The policy is written as 500% in addition to the 100% your scheme already pays.

Overall limit R223 000 a year.

What it covers

Shortfall on the specialist bill in hospital (per policy)
Sub-limit: robotic surgery R13 500
Co-payment on robotic surgery (per policy)
Sub-limit: robotic surgery R13 500
Co-payments and deductibles the scheme imposes
Procedures done out of hospital
Prescribed Minimum Benefit shortfalls
Shortfall on the hospital account itself (per policy)
A private ward
Casualty unit after an accident (per policy)
Casualty unit for sudden illness
External appliances (per policy)
Trauma counselling (per policy)
Shortfall on cancer treatment
Extras the provider adds at no charge
Sira'Go Baby — R2 000 per newborn.
Extras the provider adds at no charge
MedCare Cover — for all claims exceeding R9 000.

What it does not cover

Everyday GP visits
Specialist consultations out of hospital
Above a scheme sub-limit generally
Above the scheme’s MRI/CT sub-limit
Physical rehabilitation
Preventative screening
Screening scopes
Dental work after an accident
Newer cancer drugs the scheme does not fund
Cancer treatment above the scheme’s oncology limit
Breast reconstruction after a mastectomy
Your gap premium paid if you die or are disabled
Your scheme contributions paid if you die or are disabled
Cash lump sum on accidental death or permanent disability
Cash lump sum on a first cancer diagnosis
Dental work in hospital
Dental implants
Basic dentistry for children
Cash lump sum on death from a critical illness
MedBoost
A daily cash amount while in hospital

Using a hospital off your network

Covered up to R10 000 per policy, 1 claim per annum.

“R10 000 pc, Max 1 claim per policy”

Sirago-Broker-Information-Update-2026-electronic.pdf · p9

What it costs

Who	Age	Per month
individual	0–64	R440
individual	65+	R735
family	0–64	R505
family	65+	R820

Exact with Gap and CoPayR446/m

Covers up to 500% of the medical scheme rate. The policy is written as 400% in addition to the 100% your scheme already pays.

Overall limit R223 000 a year.

What it covers

Co-payment on the scheme’s defined procedure list (per policy)
Shortfall on the specialist bill in hospital
Co-payments and deductibles the scheme imposes (per policy)
Casualty unit after an accident
Casualty unit for sudden illness

What it does not cover

Co-payment on robotic surgery
Everyday GP visits
The penalty for using a hospital off your network
Specialist consultations out of hospital
Procedures done out of hospital
Prescribed Minimum Benefit shortfalls
Shortfall on the hospital account itself
A private ward
Above a scheme sub-limit generally
Above the scheme’s MRI/CT sub-limit
Physical rehabilitation
Preventative screening
External appliances
Trauma counselling
Dental work after an accident
Shortfall on cancer treatment
Cancer treatment above the scheme’s oncology limit
Newer cancer drugs the scheme does not fund
Breast reconstruction after a mastectomy
Your gap premium paid if you die or are disabled
Your scheme contributions paid if you die or are disabled
Cash lump sum on accidental death or permanent disability
Cash lump sum on a first cancer diagnosis
Extras the provider adds at no charge
Dental work in hospital
Dental implants
Basic dentistry for children
Cash lump sum on death from a critical illness
MedBoost
A daily cash amount while in hospital

What it costs

Who	Age	Per month
individual	0–64	R446
family	0–64	R537

Plus GapR511/m

Covers up to 600% of the medical scheme rate. The policy is written as 500% in addition to the 100% your scheme already pays.

Overall limit R223 000 a year.

What it covers

Shortfall on the specialist bill in hospital (per policy)
Sub-limit: robotic surgery R19 000
Co-payment on robotic surgery (per policy)
Sub-limit: robotic surgery R19 000
Co-payments and deductibles the scheme imposes
Procedures done out of hospital
Prescribed Minimum Benefit shortfalls
Shortfall on the hospital account itself (per policy)
A private ward
Above a scheme sub-limit generally (per policy)
Specialist consultations out of hospital (per policy)
Casualty unit after an accident (per policy)
Casualty unit for sudden illness
Preventative screening (per policy)
External appliances (per policy)
Trauma counselling (per policy)
Shortfall on cancer treatment
Newer cancer drugs the scheme does not fund
Cancer treatment above the scheme’s oncology limit
Breast reconstruction after a mastectomy (per dependant)
Your gap premium paid if you die or are disabled
Your scheme contributions paid if you die or are disabled
Cash lump sum on accidental death or permanent disability
Cash lump sum on a first cancer diagnosis (per dependant)
Extras the provider adds at no charge
Sira'Go Baby — R2 000 per newborn.
Extras the provider adds at no charge
MedCare Cover — for all claims exceeding R9 000.

What it does not cover

Everyday GP visits
Above the scheme’s MRI/CT sub-limit
Physical rehabilitation
Screening scopes
Dental work after an accident
Dental work in hospital
Dental implants
Basic dentistry for children
Cash lump sum on death from a critical illness
MedBoost
A daily cash amount while in hospital

Using a hospital off your network

Covered up to R16 000 per policy, 1 claim per annum.

“R16 000 pc, Max 1 claim per policy”

Sirago-Broker-Information-Update-2026-electronic.pdf · p9

What it costs

Who	Age	Per month
individual	0–64	R511
individual	65+	R825
family	0–64	R618
family	65+	R965

Ultimate GapR645/m

Covers up to 600% of the medical scheme rate. The policy is written as 500% in addition to the 100% your scheme already pays.

Overall limit R223 000 a year.

What it covers

Shortfall on the specialist bill in hospital (per policy)
Sub-limit: robotic surgery R40 000
Co-payment on robotic surgery (per policy)
Sub-limit: robotic surgery R40 000
Co-payments and deductibles the scheme imposes
Procedures done out of hospital
Prescribed Minimum Benefit shortfalls
Shortfall on the hospital account itself (per policy)
A private ward
Above a scheme sub-limit generally
Above the scheme’s MRI/CT sub-limit (per policy)
Sub-limit: mri ct R5 000
Physical rehabilitation
Everyday GP visits (per policy)
Specialist consultations out of hospital (per policy)
Casualty unit after an accident (per policy)
Casualty unit for sudden illness
Preventative screening (per policy)
External appliances (per policy)
Trauma counselling (per policy)
Dental work after an accident (per policy)
Shortfall on cancer treatment
Newer cancer drugs the scheme does not fund
Cancer treatment above the scheme’s oncology limit
Breast reconstruction after a mastectomy (per dependant)
Your gap premium paid if you die or are disabled
Your scheme contributions paid if you die or are disabled
Cash lump sum on accidental death or permanent disability (per dependant)
Cash lump sum on a first cancer diagnosis (per dependant)
Extras the provider adds at no charge
Sira'Go Baby — R2 750 per newborn (registered within 90 days; babies born in 2026).
Extras the provider adds at no charge
MedCare Cover — free ADR service for all claims exceeding R9 000 (discounted rates for cl…

What it does not cover

Screening scopes
Recovery after trauma
Co-payment on an MRI or CT scan
Co-payment on a scope
Preventative mastectomy
Dental work in hospital
Dental implants
Basic dentistry for children
Cash lump sum on death from a critical illness
MedBoost
A daily cash amount while in hospital

Using a hospital off your network

Covered up to R16 000 per policy, 2 claim per annum.

“R16 000 pc, Max 2 claims”

Sirago-Broker-Information-Update-2026-electronic.pdf · p9

What it costs

Who	Age	Per month
individual	0–64	R645
individual	65+	R973
family	0–64	R778
family	65+	R1 150

Each policy in detail

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

Who carries the risk

Insurer: GENRIC Insurance Company Limited — licensed non-life insurer (Old Mutual Group)
Administered by: Sirago Underwriting Managers (Pty) Ltd
Structure: uma

“Sirago Underwriting Managers (Pty) Ltd is an Authorised Financial Services Provider (FSP: 4710), underwritten by GENRIC Insurance Company Limited (FSP 43638). GENRIC is an authorised Financial Services Provider and licensed non-life insurer and member of the Old Mutual Group.”

Sirago-Broker-Information-Update-2026-electronic.pdf · p3

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

Sirago-Broker-Information-Update-2026-electronic.pdf

Catalogue v175, read 2026-09-28. Premiums and terms change. Confirm with Sirago 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.