It is also driving greater awareness of supplementary products, such as gap cover, that can help reduce the financial impact of unexpected medical expenses. Understanding the limits of medical aidPMBs were introduced to ensure that all medical scheme members have access to treatment for a defined list of emergency, chronic and life-threatening conditions. The difference between what a provider charges and what a medical scheme pays becomes the member’s responsibility. For many South Africans, this means that having medical aid does not necessarily eliminate the risk of unexpected medical bills. For many households, understanding where medical expense shortfalls may occur—and whether supplementary cover such as gap cover is appropriate for their circumstances—has become an increasingly important consideration.