Victus Group

Medical and Gap Cover

Our goal is to help you better understand your medical scheme benefits and range of cover. 

At Victus,

we understand that the best healthcare practices are complex and overwhelming to comprehend. This is why we make client education our focus. 

Our vision is to enable you to DO (live) life, whilst we focus on personal financial planning to get you there.

Medical and Gap Cover

Medical Plans and Hospital Insurance Plans

We often find that members are only made aware of the shortfalls and risks within an option when uncontrollable healthcare events occur.  We enable our clients to understand all the relevant benefits that a medical scheme can offer, including shortfalls.

We have contracts with numerous medical schemes allowing us to guide, educate and protect our clients, providing the right advice for you to make an informed decision. 

GAP Cover

Did you know that service providers are entitled to charge more than the medical scheme rate? Some hospital and comprehensive medical plans offer cover at 100%, 150% or 200% of medical scheme rates for hospitalisation only, while the actual costs could be up to 500% of medical scheme rates.


Many medical aid members do not consider that there is often a shortfall between what a medical scheme will pay and the actual cost of an in-hospital procedure or treatment. The shortfall would become your responsibility which is where gap cover fits in.

A gap cover policy will cover the difference between what your medical scheme will cover and the actual cost of your in-hospital doctor’s bills up to a maximum of 500% of medical scheme rates.

this is what


I cannot recommend them highly enough.

I have used Victus as my financial advisors for several years now and am constantly amazed at the excellence of my advisor. Highly qualified and knowledgeable, I feel as if I am in safe hands. They are transparent, I always receive comprehensive information when I have a query and have never been badly advised. On top of that, my advisor tends to go the extra mile for me.

Hester Sonander - Retired Eskom Manager

Exceptional service from the team at Victus Group!

Not only do they listen to understand but they also give you the best advice tailored to your needs. I would highly recommend the Victus group for any financial related matters.

Este Schoeman - Business Owner

Professional outfit with young and dynamic advisers.

Could quickly and efficiently make recommendations on my financial needs. Now my appointed financial advisors.

Danie Van Den Bergh - Retired Corporate Finance Specialist

Excellent Service. Highly recommended. catered for my specific needs.

Wimpie Buckle - Business Owner

Thanks, Victus, cheers to many more prosperous years ahead.

Definitely a personalised experience with services tailored to meet my financial needs.

Amori Gerber - Business Owner

Amazing service! Can not express how happy I am!

Tobias Johan Coetsee