For the past 10 years, our dynamic team of GAP COVER and HEALTH INSURANCE Specialists have thoughtfully designed products that offer real benefits when needed most.

Your peace of mind is our priority, because when your medical scheme does not pay your private healthcare fees in full, your trusted Gap Cover Provider will.

We believe that every South African deserves the very best essential and affordable healthcare, and have therefore passionately created a Health Insurance product that focuses on the healthcare needs of individuals from all walks of life, whether belonging to a medical scheme or not.

Our 2018 product offering has been innovatively tailored for individuals, families and corporate employer groups who don’t believe in compromising on cover.



Our clients inspire us to continuously improve and strive for more.

“I would just like to say a big THANK YOU for your awesome assistance. You took the time and effort to fully understand our position and came through for us and for that we are very grateful. In this day and age I feel that most companies put their own interests ahead of their client's, but with Stratum Benefits I can see that you genuinely care for us. Thanks again!”
Nazeer Bhorat
“I just want to firstly thank and congratulate Stratum Benefits for excellent service – You guys saw my problem, listened to my concerns and best of all you solved the problem for me immediately. That is what I call service delivery. You guys are great and please keep up the good work – This country needs service and people like you – WELL DONE!"
Edward Labuschagne
“Once again the service from Stratum Benefits is excellent. We are very impressed with the professional manner in which we have been addressed and helped by all. It is not often that you correspond with individuals who assist you, in which all of you have corresponded with us. We thank you for this and appreciate the service, information and guidance provided. Sometimes recognition needs to be given for excellent service and I trust you will accept this as recognition of excellent service received!”
Alan Trevenen and Helena Hartman
“I want to take this opportunity to compliment you and everyone at Stratum Benefits on the efficient and professional manner in which all my claims to date have been dealt with. Always a hassle free process with great communication from start to finish. I think the industry can take some lessons from you.”
Henry Zeiler
“I would like to take this opportunity to let you know that I have never received such amazing assistance and service from any provider such as your organisation.Thank you so much for following up, assisting and for ensuring we were covered, you all rock! I am most impressed and I will make sure everyone hears about it!”
Janine Cocking
“I just want to thank you and Stratum Benefits for the excellent service I have received. I have heard so many stories from friends about their struggles with their Gap Cover Companies that I expected the same. My claim was done seamlessly and communications were clear. What was promised happened! Well done and thank you.”
Mrs Esmarie Jennings