Turnberry Solutions
At Certainsure our priority is to understand your needs in every area of the short-term insurance market. We take the time to thoroughly investigate and identify the risks you face, then match them with the right solutions.
By researching the latest market products and offerings from trusted industry providers, we have identified several high-value cover options that deliver real protection and peace of mind.
No matter what your risk circumstances may be, we have the right insurance products to keep you covered.
Our Turnberry product range
Turnberry Gap Cover’s Casualty Benefit – No age restriction
With Turnberry Gap Cover you get a unique advantage: our Casualty Benefit for Illness has no age restriction. Unlike most competitors, this benefit is available to every member of your family — because we understand that it’s not only children who may need a trip to casualty due to illness.
Turnberry Gap Cover provides affordable policies designed to suit both your medical expense shortfalls and your family’s financial needs. Protecting your health shouldn’t come with limits, and with Turnberry it doesn’t have to.
Four Burgers or Full Protection?
You could spend the cost of four burgers in one night — or you could protect your family from unexpected medical expense shortfalls. With Turnberry Gap Cover, one affordable monthly premium covers your entire family.
Just look at some of the claims we’ve paid:
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Low back pain (lumbar region): R72 425.76
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Atrial septal defect: R59 545.78
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Multiple open wounds of wrist and hand: R64 621.07
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Chronic sinusitis (unspecified): R55 462.32
Our Optimal Plan is one of our most popular products, enhancing your medical aid by up to 500% of medical aid rates. It offers comprehensive benefits, including oncology cover and a range of valuable add-ons — all from just R445 per family per month.
Turnberry Gap Cover gives you peace of mind, knowing your family is fully protected when it matters most.
Breast Cancer
Breast cancer is one of the most common cancers among South African women of all races, with a lifetime risk of 1 in 28, according to the 2019 National Cancer Registry (NCR). While the risk increases with age, many women under 40 are also diagnosed.
The reality is that treatment comes with a heavy price tag. Gap Cover can make a crucial difference. These policies cover predominantly in-hospital events and pay the shortfall between what medical specialists charge and what your medical aid scheme covers.
Most families don’t have tens of thousands of rands readily available in the event of a cancer diagnosis. That is why it’s important to consult a financial advisor to make sure your medical aid is supplemented with a Gap Cover policy. This additional cover helps take care of specialist fees, co-payments, and sub-limits, easing the financial strain at a time when your focus should be on recovery.
All benefits are subject to the plan chosen. Terms and conditions apply.
What is Gap Cover?
Casualty Benefit for Accidents
Cover for treatment in casualty as a result of an accident.
Casualty Benefit for Illness
Available to all members on the policy, not just children.
Critical Illness Benefit
A lump sum payment upon the death of an insured person from a critical illness (excluding cancer).
All benefits are subject to the plan chosen. Terms and conditions apply.
Stay Covered, Stay Stress-Free
HOW DO I MAKE SURE I’M NOT OVER-INSURED?
Once we have completed a in-depth analysis of your exposures and risk requirements we will be very close to providing you with the correct values for your risk. We have numerous methods of risk value calculations and is not so bad if you are over insured sometimes we need to cater for the unforeseen.
With Turnberry Gap Cover you enjoy a benefit that’s truly unique: our Casualty Benefit for Illness has no age restriction. Unlike most competitors, this cover is available to every member of your family — because we understand it’s not only children who may need casualty care during illness.
Turnberry Gap Cover offers affordable policies designed to protect your family against medical expense shortfalls while meeting your financial needs. One monthly premium covers the whole family, giving you peace of mind at a price that makes sense.
All benefits are subject to the plan chosen. Terms and conditions apply.
MRI / CT Scan cover
For the price of four burgers in one night, you could protect your family from the heavy costs of medical expense shortfalls. Turnberry’s Gap Cover Products cover your entire family with one affordable monthly premium.
Just look at some of the claims we’ve paid:
-
Low back pain (lumbar region): R72 425.76
-
Atrial septal defect: R59 545.78
-
Multiple open wounds of wrist and hand: R64 621.07
-
Chronic sinusitis (unspecified): R55 462.32
With our Optimal Plan, you’re covered for a wide range of benefits — enhancing your medical aid by up to 500% of medical aid rates. This includes critical areas like oncology and costly scans such as CT and MRI, plus several other valuable add-ons. No wonder Optimal has become one of Turnberry’s most popular Gap Cover products.
All from just R445 per family per month.
WHAT OTHER PRODUCTS ARE IN STOCK?
We have a number of alternative products available for you!
ENGINEERING RISKS
Contractors All Risk Cover
Plant All Risk Cover
Machinery Breakdown
Machinery Breakdown Loss of Profits
MARINE RISKS
Goods in Transit
Watercraft
Export and Import
LIABILITIES
Professional Indemnity
Security Liability
Medical and Pharmacy Liability
Directors & Officers
Guarantees
and other