Sirago Underwriting Managers (Pty) Ltd is a registered financial services provider that offers a range of gap cover solutions tailored to the unique requirements of the South African healthcare market. Gap cover is the invaluable safety net that covers the shortfall between what medical schemes pay and what specialist doctors charge. Medical expenses often occur like an unplanned detour in your life journey when you least expect it. The cost of specialist doctors and in- and out-of-hospital procedures can exceed the medical scheme rate by 500%. Without gap cover, you will be required to pay these unexpected costs from your own pocket. Our competitive products are unparalleled in the market. They are the essential complement for companies as part of their employee healthcare solutions, or for an individual, as part of their personal healthcare portfolio.