Short Term Insurance

Medical GAP cover

The Medical Gap plan is intended to provide shortfalls of medical expenses by Medical Aid schemes. Thus, the gap benefit should be regarded as a “top up” to an existing Medical Aid Scheme. This medical gap cover is essentially designed to close the medical gap underperformance by the Medical Aid Scheme in regard to certain services received such as the doctors and specialists.

Other Gap shortfalls provided by this product include:

  • In-Hospital cover
  • Out-of-Hospital cover
  • Co-payments
  • Emergency room cover
  • Enhanced Cancer cover
  • Internal Prosthesis and artificial Joint cover

Personal Insurance

Personal lines short term insurance provides cover for domestic property where the insured has an insurable/financial interest for such items. Sections of cover available include:

  • buildings,
  • contents
  • motor vehicles
  • trailers, caravans & motorcycles
  • personal items specified for loss when away from home
  • personal liability

Commercial Insurance

Commercial lines short term insurance is intended to provide cover and financial protection for businesses in respect of defined insurable losses. Additional specialised business risk cover is also available such as Body Corporates, B&Bs, Professional Indemnity and Events Liability. The types of cover available includes the following:

  • Perils cover for business contents, fixtures and fittings, and machinery
  • Business stock
  • Business all risks
  • Goods in Transit
  • Public Liability/Employer Liability
  • Motor Vehicles
  • Electronic Equipment
  • Business Interruption
  • Money
  • Fidelity
  • Machinery Breakdown
  • Motor Traders Intern/External

Contact Harvard House Today

Please fill in the form below and we will be on contact as soon as possible