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Our Services

Advisory pathways built around people, businesses, and long-term outcomes.

Advisory pathways

Wealth management

Goal-based portfolios and disciplined reviews.

Life risk planning

Protect income, family, and long-term obligations.

Health & GAP cover

Close medical shortfalls with structured protection.

Short-term personal

Asset and household protection for everyday life.

Business advisory

Continuity and commercial risk strategy for businesses.

Priority review

Get a tailored advisory plan.

We align wealth, protection, and business continuity in one review.

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Netco RiskNetco Risk

Wealth management and risk advisory for individuals and businesses, built on independent guidance and long-term planning.

FSP no-40265

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PersonalHealthMedical protection

GAP Cover

A focused solution that protects your cash flow when medical costs exceed aid limits.

Bridge the cost gap between medical aid and actual specialist charges.

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GAP Cover advisory
Personal · Health

Advisory focus

Structured advice aligned to long-term goals, protection, and practical implementation.

Service overview

Advice that is clear, structured, and practical

A practical advisory review

A focused solution that protects your cash flow when medical costs exceed aid limits. We begin with your current position, priorities, and the outcomes you want this service to support.

Recommendations are structured around fit, affordability, and long-term practicality, with clear trade-offs so you can make informed decisions confidently.

Implementation and ongoing support

We support implementation and review the solution as your circumstances change, so your strategy remains aligned over time.

What this service is designed to deliver

  • Cover for in-hospital specialist shortfalls above medical scheme rates
  • Core and Comprehensive options with higher limits on select benefits
  • Additional benefits for oncology, scans, and hospital admission shortfalls
  • Travel benefit for approved emergency claims (option dependent)

Who this is for

  • Medical aid members with specialist exposure
  • Families prioritizing financial predictability
  • Clients who want transparent cost protection

When clients usually engage us for this

You've received surprise specialist bills in the past
You want cover without switching medical aid
You prefer clear, straightforward product terms

How we work

A simple, review-led process designed to keep decisions clear and implementation practical.

Step 1

Discovery and review

We review your current position, goals, risks, and any existing cover or investments.

Step 2

Recommendations and comparisons

We compare suitable options independently and explain trade-offs, costs, and practical implications.

Step 3

Implementation and ongoing support

We help you implement the selected solution and review it as your circumstances evolve.

Speak to an advisor

Get a tailored recommendation

We will review your position and recommend the right next step with clear reasoning and practical implementation guidance.

Send a message
Average response time: within 1 business day.

Next step

Build the right strategy around your goals.

Start a conversation and we will help you align the right product path to your objectives, priorities, and risk position.

Contact Netco Risk

Why clients choose Netco Risk

Independent comparisons and recommendations based on fit.
Clear explanations of trade-offs, costs, and implementation steps.
Ongoing reviews as your life, business, or goals evolve.

Provider options

Independent comparisons, explained clearly

We compare suitable provider options and explain how differences in structure, benefits, and cost affect your long-term outcome.

Discovery Gap Cover (example option)

  • Core: up to 250% of scheme rate for in-hospital specialist claims.
  • Comprehensive: up to 500% of scheme rate, with added benefits for scans and travel.
  • Oncology benefits with annual limits, depending on option.

FAQs

Common questions

Backed by leading providers

Access to established providers, with recommendations based on fit and not provider bias.

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