Your Gap Cover policy will only pay the excess on a PMB, (Prescribed Minimum Benefit), claim if PMB claims are specifically included as a benefit on your policy document.
Don't assume that this is the case. Most Gap Cover policies in fact do not cover accesses on PMB claims. Make sure that you specifically ask your broker to include PMB claims as an option in your quote. Including PMB claims in your Gap Cover policy will typically increase the premium that you will pay.
Make sure that PMB claims are included in your Gap Cover policy by checking the policy document wording or ask your broker to point it out to you.
TRIARC is an authorised financial services provider FSP45009. TRIARC insurance products underwritten by Guardrisk Life FSP76. Council of Medical Scheme
Number ORG 4040.