Who are we?

Welcome to Total Risk Administrators (Pty) Ltd (TRA), where your peace of mind is our priority. Since 1999, we’ve been providing expertly crafted insurance solutions. TRA is an authorised financial services provider – FSP No 40815. We are underwritten by Auto&General Insurance Company Limited, a licensed non-life Insurer and Financial Services Provider.

Our specialist team, rich in insurance, clinical, and healthcare administration expertise, is here to ensure that everything is smoothly covered.

With TRA, you’re in safe hands!

Easy
Claims Process
Fast
Claims Payout
Professional
Service
Affordable
Premiums

We prioritise Treating Customers Fairly (TCF) and pride ourselves on delivering transparent, beneficial, and cost-efficient products. What sets us apart is our commitment to providing a stress-free experience, with unmatched claims turnaround times and a dedication to constant improvement.

WE PROVIDE HEALTHCARE INSURANCE SOLUTIONS FOR OUR CLIENTS

Our Products

Gap Cover Puzzle Piece

Gap Cover

In-hospital medical
shortfall cover

Female Cancer Cover

Female Cancer Cover

A lump sum payout for the
diagnosis of certain cancers

A lump sum payout for the diagnosis of certain cancers

TRA Assist
Powered by MobiMed

We go beyond just providing coverage with TRA Assist.
TRA has partnered with MobiMed to provide a mobile app which has exciting services available to all Gap Cover and Female Cancer Cover policyholders, irrespective of option choice.

TRA Assist Mobile App Panic Button
Sign up in just 5 minutes!
Sign up in just 5 minutes!
Sign up in just 5 minutes!

With TRA, signing up for Gap Cover is a breeze. In just 5 minutes, you can secure comprehensive coverage that fills the gaps in your medical aid shortfalls.

What are our customers saying?
What is the Net Promoter Score?

At TRA, we use the Net Promoter Score (NPS) to understand how likely you are to recommend us. We simply ask: “Would you recommend TRA to a friend or colleague?” Your answer helps us gauge your satisfaction and identify areas for improvement.

NPS recommendation - very likely indicator
FREQUENTLY ASKED QUESTIONS

How Does Gap Cover Work?

Gap cover insurance is essential for covering shortfalls after medical treatments like surgeries or hospital stays where the specialist’s fees are higher than what your medical aid covers. Once your medical aid has processed and paid their portion of the bill, you can claim the remaining amount from your gap cover provider, according to the terms of your policy. 

OUR LATEST NEWS
24 June 2025Uncategorized

Gap Cover for Bestmed Medical Aid

Some things go hand in hand, like a violin and its bow. The same could be said of BestMed Medical

24 June 2025Uncategorized

Gap Cover for Momentum Medical Aid

Medical aid without gap cover? It’s like a stamp without ink; the stamp needs ink to make a mark. The

Read More
20 June 2025News, TRA News

Medical Insurance vs Medical Aid: What’s the Difference?

Medical Insurance and Medical Aid may sound like the same thing, and in many ways, they can overlap; however, there

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