Frequently Asked Questions Is Gapwise a Medical Scheme? No, Gapwise is not a medical scheme. It is a stated benefit policy in terms of the Short-term Insurance Act 53 of 1998. Can I have Gapwise instead of a Medical Scheme? No, Gapwise can only be used in conjunction/addition to your medical scheme. You must first claim from your medical scheme before claiming from Gapwise. Are there Exclusions and/or Waiting Periods? Yes: A Standard 3-month waiting period applies. Pre-existing conditions may be excluded for a minimum period of 12 months. Policy specific exclusions apply: First 6 months of the policy no benefit available. 7 – 12 months after inception benefit payable rate of 50%. 13 months onwards full benefits are available. Note: The Policy Wording supersedes any marketing documentation and all benefits will be payable against the Policy Wording Terms and Conditions only. You can download a copy of the current policy wording here. What if my Dependants are on Different Medical Schemes? No problem – families on multiple medical schemes can be covered under one Gapwise policy. How do I claim? Download and complete the claim form, then scan it and email to email@example.com, or mail it to: My-Fin Financial Services Postnet Suite 148, Private Bag X3 Bloubergrant 7443 Western Cape, RSA An online claim form will also be available soon.