Gap cover is not unique to financial products. For years there has been this additional protection to cover you for any shortfall where insurance does not pay the full amount. Now there is medical aid gap cover as well for when you scheme does not pay the full bill. In this day and age when South African practitioners, especially medical specialists, charge above the NHRPL rate, gap cover can make that difference in affording the high quality of private healthcare that you want. Without it, you will have to fork out cash from your pocket to pay the shortfall that your medical aid does not cover.