SFP - Gerty Rose Medical and Gap Cover Adviser

02/11/2026

Your health matters. Your peace of mind matters too!

I’m here to help you navigate medical aid and health insurance options to find cover that suits your needs and budget.

Let’s find the right cover for you and your family.

29/10/2026

One of the conversations I remember is a client calling me because they were worried.
They had a medical need coming up and suddenly their medical aid felt very complicated.
They weren’t sure what was covered.
They didn’t know which providers they could use.
And they were worried about unexpected costs.
That’s exactly why I believe medical aid advice should be about more than simply choosing a plan.
It’s about helping you understand your options before you need them.
Your health needs can change. Your family can change. Your budget can change. And the medical aid option that suited you a few years ago may not necessarily still be the right fit today.
Sometimes a conversation is all it takes to bring a little more clarity.
If you haven’t reviewed your medical aid recently, perhaps it’s time to ask:
“Is my current cover still working for me?”
I’m here to help you work through the options.
Gerty Rose
Medical Aid Advisor

26/10/2026

Don’t leave it too late!
If you’re thinking about changing your medical aid option for 2026, remember — all updates must be submitted before the end of November.
Now’s the time to review your cover and make sure it still suits your family’s needs and budget.
Need help comparing options or understanding your benefits? Let’s chat and make sure you head into the new year with peace of mind.

18/10/2026

The Board of Healthcare Funders (BHF) is calling for a review of medical aid benefits and healthcare pricing to help make medical cover more affordable.

The organisation says the current hospital-centred benefits structure is becoming increasingly unaffordable.

15/10/2026

Don’t leave it too late!
If you’re thinking about changing your medical aid option for 2026, remember — all updates must be submitted before the end of November.

Now’s the time to review your cover and make sure it still suits your family’s needs and budget.

Need help comparing options or understanding your benefits? Let’s chat and make sure you head into the new year with peace of mind.

12/10/2026

The conversation ahead of 2027 isn’t only about what medical aid will cost. It also needs to consider whether people can still access the care they need, when they need it.

It’s about whether people can still access the care they need, when they need it.

Looking after your health is the best place to start. Consider it a step that may save you money and may save your life.

The starting point for medical scheme contribution increases is 3.8%, as recommended by the Council for Medical Schemes (CMS). However, the CMS also notes that this price point is subject to other influences, such as changes in utilisation. That matters because it sets the context for why contributi...

08/10/2026

𝐌𝐞𝐝𝐢𝐜𝐚𝐥 𝐀𝐢𝐝 𝐯𝐬. 𝐌𝐞𝐝𝐢𝐜𝐚𝐥 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞: 𝐖𝐡𝐚𝐭’𝐬 𝐭𝐡𝐞 𝐝𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐜𝐞?
Confused about how private healthcare works in South Africa? You aren't alone! Many people buy a policy thinking it covers everything, only to get a massive surprise at the hospital door.
Here is the quick, no-nonsense breakdown of your three main options so you can protect your health and your wallet:
1. Medical Aid Schemes (The Heavy Lifters)
These plans cover actual medical costs and are legally forced to cover Prescribed Minimum Benefits (PMBs)—meaning 271 life-threatening conditions and 25 chronic diseases are automatically covered, no matter what.
• Comprehensive: Total peace of mind. Covers big hospital bills + day-to-day GP visits.
• Hospital Plans: Only covers you when you are admitted to a hospital bed or for emergencies.
• Savings Plans (MSA): A hospital plan that includes a small "piggy bank" for your daily doctor visits.
• Network Plans: Cheaper premiums, but you must use their approved list of doctors and hospitals.

2. Health Insurance (The Budget Option)
Health insurance is not medical aid. It doesn't have to cover PMBs. Instead, it pays out fixed, capped amounts for specific events.
• Day-to-Day Insurance: Great for budget-friendly access to private GPs, basic dentistry, and scripts.
• Accident & Trauma: Only steps in if you are injured in an accident—it won't pay for a sudden illness or cancer treatment.

3. Gap Cover (The Lifesaver Upgrade) 🛡
Did you know a private surgeon can charge up to 500% more than what your medical aid agrees to pay? Gap Cover is a cheap add-on for medical aid members that steps in to pay that terrifying hidden shortfall.
💡 The Golden Rule: If you want full coverage for major illnesses, go for Medical Aid. If you just want cheap, basic private GP visits or accidental protection, look at Health Insurance.
Which one do you currently have, and is it actually doing its job? Let’s chat in the comments!

05/10/2026

South Africans with medical aid face contribution increases of more than 7% next year

South Africans with medical aid face another round of above-inflation contribution increases in 2027, despite the regulator urging schemes to keep affordability in mind.

01/10/2026

Too many people don’t realise they have the right to a broker. Brokers – formally known as independent financial advisors – are licensed to represent multiple schemes. They are legally obligated to match your needs with the most suitable plan, not simply to sell one product.

A good broker listens to your why, presents alternatives, and recommends the closest fit. Their services come at no cost to you, yet their value is immense. Just as you may have a trusted advisor for retirement planning, you can also have one for healthcare.