For over two decades, Ambledown has been a trusted partner in South Africa’s healthcare landscape, helping individuals and families navigate the financial challenges of medical expenses. Our gap cover solutions bridge the shortfalls between what medical aids cover and the actual costs of care for in-hospital treatment and defined out-patient procedures. Over the past 21 years, we’ve pioneered essential benefits that have become industry standards, including Medical Aid Shortfall, Co-Payment, Sub-Limitation, Cancer Augmentation, and Casualty Ward benefits.
With over 150,000 gap cover policyholders nationwide, we offer affordable, tailored plans that provide peace of mind and financial security when it’s needed most. Our success is built on innovation, personalized service, and a steadfast commitment to supporting our clients every step of the way.
As a leader in product innovation within South Africa’s health insurance sector, Ambledown’s growth is a testament to our dedication to meeting evolving needs. While much has changed in 21 years, our mission remains the same: we will continue innovating so our clients can enjoy the best a human life has to offer.
Our Products
Gap Cover is an insurance product that provides cover to ease the tariff gap between what your medical scheme pays and what practitioners charge for -in-hospital treatment and defined out-patient procedures.
Unity Health was established as a division of Ambledown Financial Services (Pty) Ltd to provide a cost effective Primary Care solution to those unable to afford medical scheme coverage.
Our carefully designed product options provide financial protection, helping you avoid distress after major medical events.
Affordable and Sustainable Pricing
Our pricing approach balances long-term sustainability with exceptional value, ensuring you receive coverage at a fair cost.
Membership
Since 2004, we’ve grown to administer health-related policies that provide financial security to over a million South Africans.
Claims Settlement
Our success is built on an efficient claims administration system. From our first claim of R300 to paying out approximately R1.9 billion over 21 years, we’ve grown to make a meaningful impact for our clients.
Underwriting
Our robust risk management tools are designed to early identify and mitigate potential risks, ensuring seamless support at the claims stage.
Testimonials
Our happy clients are enjoying quality gap cover benefits and excellent service
*the following identities are protected by use of pseudonyms*
Ross
Ambledown Client
I want to thank you again for all the efforts. You personally went above and beyond for me, and I appreciate that. Although cheaper gap cover options were provided to me, it would be remiss to not acknowledge your role in the resolution and as such I have a sense of loyalty to Ambledown.
Mark
Ambledown Client
Thank you for the quick turnaround on my claims. Wow! This is a significant improvement from my last claim submission. Well done team.
Sofia
Ambledown Client
It’s with a very humble and thankful heart that I can confirm that I received notification from my bank that the amount has been paid into my bank account. All I can say is that I never regret one day joining Ambledown Gap cover. Your service is outstanding. I thank you With much gratitude
Carol
Broker
“Awesome, thank you soooo much! Ambledown never disappoints with service excellence!! Thank you for your assistance in this regard – it is most appreciated.”
Joanne
Brokerage
“We continue to be impressed with the good service we receive from Claims Dept. Please thank the clerk concerned.”
Mr & Mrs Nienaber
Ambledown Clients
“Good morning Mr Colin Olivant (Ambledown) Herewith I wish to again thank you for your prompt professional service; last year when we corresponded.”
Ready to get started?
We are looking forward to welcoming you to the Ambledown family!
Fill in your details and one of our friendly and knowledgeable representatives will be in touch with you to discuss our gap cover plans.
We are ready to assist you with any questions or queries you may have about our product range.
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