Kaelo Gap Cover is a South African gap cover product designed to protect medical scheme members from unexpected shortfalls between what their medical aid pays and the actual costs charged by private hospitals and specialists. It typically covers the difference (or “gap”) for surgical procedures, hospital accounts and selected specialist fees up to specified limits, helping reduce out-of-pocket expenses after a hospital stay. Kaelo Gap works alongside your medical scheme — you must be a member of a scheme to qualify — and benefits are subject to underwriting rules, waiting periods and plan choice.