Turnberry launches Dynamic option to bridge the affordability gap in medical cover

Turnberry Management Risk Solutions, a leading gap cover provider, has announced the launch of its new Dynamic plan option, designed to provide cost-effective yet comprehensive protection against medical expense shortfalls for individuals and families.

The introduction of the Dynamic option comes at a time when South Africans are under mounting financial pressure. With medical aid premiums rising between 8% and 12.5% in 2025, and hospital co-payments and specialist costs escalating sharply, the affordability of healthcare has become a growing concern.

A core solution, without the extras
The Dynamic option focuses on the most common and costly medical aid shortfalls – medical expense shortfalls, co-payments, sub-limits, cancer treatments, and casualty benefits. These areas account for over 95% of Turnberry’s claims, ensuring that members have peace of mind where they need it most. Notably, the Dynamic option includes cover for both traditional and biological cancer treatments, providing a critical layer of protection.

“There is a growing need in today’s market for a gap product that covers the essentials, without bells and whistles that can drive up premiums,” says James White, Director of Sales and Marketing at Turnberry. “The Dynamic option answers that call by keeping the focus on affordability, while still offering strong cover for the claims that matter.”

Turnberry’s Dynamic option introduces age-banded and individualised rates to make comprehensive cover accessible at a fraction of the cost – starting from just R180 per month. Rates scale across four age bands (0–29, 30–49, 50–64 and 65+) and according to the number of dependants, making the option more flexible than traditional family-rate structures.

Evolving solutions for an evolving market
The Dynamic option complements Turnberry’s existing Synergy, Optimal and Premier plans, and members can seamlessly upgrade as their family circumstances change, without additional waiting periods. For intermediaries, it fills a vital gap in the market, allowing brokers to offer a solution to clients who may previously have forgone gap cover due to cost constraints.

“As medical schemes adjust benefits and co-payments, gap cover must also adapt. The Dynamic option is our latest step in making comprehensive cover accessible, an entry point that ensures clients are covered from day one, rather than waiting until they can afford higher-tier options,” White concludes.