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
What is Gap Cover?

Gap Cover is an insurance policy that covers the difference between
what your medical aid pays and what service providers charge for
in-hospital expenses.

Gap Cover is an insurance policy that covers the difference between what your medical aid pays and what service providers charge for in-hospital expenses.

OUR LATEST NEWS
20 January 2025News, TRA News

A List of TRA’s Gap Cover Benefits

Medical aid schemes often leave a gap (known as medical shortfalls) between what the medical aid pays and the actual

20 January 2025News, TRA News

6 Exciting Benefits from the TRA Assist App

TRA has partnered with MobiMed to bring you the TRA Assist App, designed to provide exciting and essential services to

Read More
12 December 2024News, TRA News

2025 TRA Gap Cover Pricing

If you ask several people if they know what gap cover is, many might have a general idea, but often,

Read More
Open Popup