If you have been covered on another Gap Cover provider and join Sirago without any break in cover, the below underwriting may apply.

  1. A 3 (three) month waiting period on additional benefits on the Sirago option selected.
  2. The balance of any unexpired waiting periods from previous provider.


When transferring from another provider, the below supporting documentation is required along with the duly signed application form:

  1. A recent copy, not older than 30 days of the previous Gap provider’s master policy schedule, to prove continuous creditable cover. The original inception date and product option name must be reflected.
    NOTE: Where a cancellation certificate of the previous Gap provider is provided, we will require a copy of the previous Gap provider’s master policy schedule, to prove continuous creditable cover.