Home > Medical schemes > News Updated 08 May 2014 Without Medical Gap Cover, members are liable for shortfalls Medical scheme members are often angry and upset when they realise hospitalisation costs are mostly not fully covered by their medical schemes. Gap Cover could be the answer. 0 iStock Like us on Facebook » Subscribe to the newsletter » Ask CyberDoc » Quiz How long will you live? » Medical history Bacteria gallery As a medical scheme member, you probably expect your full treatment costs to be covered should you or your dependents be hospitalised. Unfortunately, this is seldom the case. Medical scheme payouts are limited to what schemes call their Medical Scheme Tariff amount (MST), while certain medical practitioners charge up to four times the MST amount. This mismatch between the amount charged by medical practitioners and that funded by medical schemes creates a shortfall or gap for which the member is liable. The total Rand amount of these gaps can be significant, often causing severe financial stress and/or consequences for the affected medical scheme member. Read: 10 tips on choosing a medical schemeClick here to the video that explains a little bit more about what the gap cover is. The table below illustrates the shortfalls that occur across 5 of the most common treatments. The examples show the real combined medical practitioner charges, the amount paid by the scheme, as well as the shortfall or amount covered for members with Liberty Health Medical Gap Cover. Liberty Health’s Medical Gap Cover is probably the best known Gap Policy available to all medical scheme members, not just members of Liberty Medical Scheme. As an insurance policy, it doesn’t replace the need for medical scheme cover but rather complements it. Benefits offered by Liberty Health’s Medical Gap Cover:• Cover of up to 500% of MST• R2 500 000 cover per family, per year• R20 000 automatic co-payment cover• Cover is not restricted to in-hospital treatment but also includes cover for approximately 50 out-of-hospital treatments• Cover for the immediate family – those family members listed as medical scheme dependents • Cover for parents and siblings of the policyholder – those who are listed as medical scheme dependents• No maximum age limit restrictions• No blanket pre-existing condition exclusions• Cover for Prescribed Minimum Benefit (PMB) conditionsTo find out more, contact your Liberty Agent or Liberty-appointed Independent Financial Advisor. Alternatively, contact Zestlife, the administrators of the Liberty Health Medical Gap Cover Policy on 0860 009 378 or by email on firstname.lastname@example.org. Press release, Zestlife NEXT ON HEALTH24X The value of digital technology in addressing quality care 2017-05-17 04:48 More: Medical schemesNews advertisement Read Health24’s Comments Policy Comment on this story 0 comments Comments have been closed for this article. Logout Comment 0 characters remaining Share on Facebook Loading comments... Other news News SEE: What is the rarest disease in the world? Diet and nutrition These foods will help you stay full longer – and they’re not all high in protein Parenting The dangers sugary drinks pose to children Diet and nutrition 5 questions dieticians answer all the time Lifestyle How to grow a thicker (and healthier) head of hair Medical 7 ways to protect your children against fungal infections From our sponsors Discover treatments that can help reduce acne What can I do to reduce or remove acne marks? Dementia and Incontinence: what you need to know WIN a R2000 Skin Renewal online store voucher! Live healthier Watch out! » Gross fungal infections you can pick up at the gym You go to gym to exercise. But make sure the only thing you pick up is a dumbbell and not one of these gross fungal infections. Holiday health » Your 10-step asthma holiday checklist Don’t let asthma ruin your summer holiday. Whether you are travelling or embracing the summer at home, make sure you plan ahead.