What is Gap Cover ? Medical Expense shortfalls are a reality. Don't be burdened with unexpected medical fees when your doctor charges more than the medical aid rate for in-hospital treatment, or the hospital charges co-payments for operations. Gap Cover is the smart way of protecting you and your family from costly medical expense shortfalls. This is the difference between what your private healthcare providers charge and the rate your medical aid pays. Turnberry’s Mission is to offer our Clients security and assurance, especially during those times when they need us most. Turnberry Gap Cover