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Gap Cover & Health Insurance for Real People

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About Us

Welcome to Stratum Benefits. We’re so glad you came.

If you're here, you’re probably looking for gap cover or health insurance (very good choice, by the way). Luckily, we’ve been providing both, for families and businesses, for over a decade. Whether you’re looking for cover that is simple and affordable, or you’re ready for the Full Monty of benefits, we have the right options for you.

Gap Cover

Our gap cover insures you for the difference between what your medical aid pays you, and what your private doctors charge you.

Health Insurance

Our health insurance options cover day-to-day and emergency and accidental medical care, across our large network of Unity Health doctors.

Stratum Cares

It may sound cheesy, but we’re truly passionate about South Africa’s people – and their ability to access quality health care.


We Care

That’s why we give back through Stratum Cares, an initiative with Lead SA to gift life-changing surgery to children who need it most. If you know of an underprivileged child in need of surgery, nominate them today.

Clients' Reviews

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!”


“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!"


“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!”


“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.”


“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!”


“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.”


Ready to talk?

Mostly, we’re in the business of keeping things real. We work hard to make gap cover and health insurance simple, so you and your family can be fully covered, quickly – no frills, no fuss. If you’re ready for some honest talk about your medical care options, give us a call.