We are offering the following complimentary benefits to
all of our Gap Cover policyholders, irrespective of the
policy option choice:
We are offering the following complimentary benefits to all of our Gap Cover policyholders, irrespective of the policy option choice:
Tap the button in the app and a TRA Assist agent calls you back immediately. You are then transferred to the Medical Health Line to receive health or well-being advice from an expert.
This service also provides assistance for counselling for any trauma, as well as counselling for one’s overall mental and physical well-being.
Our Home Drive service offers our policyholders 6 FREE trips per year.
You can choose between having a driver meet you at your location, and drive you and your vehicle where needed, or you can book an Uber taxi service to collect you and take you to your required destination.
Simply take pictures on your mobile phone of the claims documents required, then follow the instructions to upload from your mobile phone onto the app and submit.
Once submitted, our claims department will get back to you as soon as possible.
The gap is covered in instances where there is a shortfall between what service providers charge and what your medical scheme will cover for in-hospital expenses.
Like most people, you have a medical aid to give you peace of mind that if you need medical care for any reason – be it through accident or illness – your bills will be taken care of. After all, who needs to add financial worry to the stress of being hospitalised? And… like most people, you probably assume that if you have a medical aid, then you’re 100% covered. Unfortunately, this is not always true – which is why you need TRA gap cover to ensure that you don’t receive a huge bill if there’s a shortfall between what the doctors charge and what your medical aid will pay for in-hospital procedures.
All of our TRA Gap Cover Policies:
Claims - Manual and Automatic Processes
It remains the policyholder’s responsibility to ensure that Claims are submitted to and are received by TRA within six (6) months from the date of treatment, as well as ensuring That TRA has the correct banking details into which the Claim must be paid.
Claims - Manual Process
Policyholders need to submit the following:
Claims - Automatic Process
TRA receives claims submitted by selected medical aid schemes on behalf of the Policyholder. Should your medical aid company have such an agreement with TRA, it is not necessary for the Policyholder to submit their claim to TRA. TRA will receive an electronic version of the claim and will process said claim within seven (7) working days of receipt thereof.
Co-payment and sub-limit claims must always be submitted manually by the policyholder(in addition to all the required claims documentation please also provide proof of any direct payment/s made to these service providers). Should a claim be rejected for additional information (e.g. Pre-authorisation letter, medical aid statement, doctor’s Account or first 2 pages of the hospital account) is not received, all the additional information must be submitted to TRA within 30 days from the date of request or the claim will be rejected as late/stale in terms of this policy and will not be paid.
All of our TRA Gap Cover Policies:
Are not medical aid schemes. The cover is not the same as that of a medical aid scheme. The cover is not a substitute for a medical scheme membership.
Gap Cover :
The shortfall that arises after your medical aid has processed your account and is due to service providers charging above scheme tariff for authorised in-hospital procedures. The cover is limited to a percentage of the original scheme tariff.
When are you not covered under your Gap Cover policy?:
Where your medical aid does not pay their portion of an account first from the Risk or Major Medical benefit. No claims processed from your Scheme’s day to day benefit will be covered - except for the Casualty benefit. (Please check your option benefits in the Schedule).