Who is covered? (applies to both policy options)

Cover is available to members of all South African registered medical schemes.

Cover applies to the main medical scheme member and their medical scheme dependants. The policyholder’s legally married spouse and child dependants will also qualify for cover even if they are registered on the spouse’s own medical scheme.

Single medical scheme members under the age of 55, as the only life insured on the policy, qualify for a lower monthly premium. These members on the lower rate need to notify Zestlife if their circumstances change, and that they require other dependants to be added to their Gap policy. Additional dependents will not be covered until Zestlife has been notified.

An over-65 premium applies if the main medical scheme member or any of their dependants are 65 years or older. There is no maximum entry age and cover continues without a maximum expiry age.