Total Risk Administrators gap cover and female cancer cover in South Africa

Reliable
Gap Cover

Cover is regulated. Experience isn’t!

starting fromR69p/m

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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

In-hospital medical shortfall cover

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Female Cancer Cover

A lump sum payout for the diagnosis of certain cancers

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TRA Assist

ASSIST NUMBER: 087 135 1241

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.

Home Drive & Uber
Panic Button & Roadguard
Mobile Claim Submissions
Medical Health & Trauma Counselling Line
Update Member Details

Find Out More

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.

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.

View All Frequently Asked Gap Cover Questions