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About TRA

THE PREFERRED HEALTHCARE INSURANCE COMPANY

Total Risk Administrators (PTY) Ltd (TRA) is an authorised financial services provider – FSP No 40815. TRA has been in operation since 1999. We offer products designed to provide insurance solutions. We are underwritten by Auto&General Insurance Company Limited, a licensed non-life Insurer and Financial Services Provider.

Total Risk Administrators has specialist staff with years of insurance, clinical and healthcare administration experience, so there’s really no need to stress! This GAP is indeed Covered.

WE PROVIDE HEALTHCARE INSURANCE SOLUTIONS
FOR OUR CLIENTS

About TRA

The preferred healthcare insurance company

Total Risk Administrators (PTY) Ltd (TRA) is an authorised financial services provider – FSP No 40815. TRA has been in operation since 1999. We offer products designed to provide insurance solutions. We are underwritten by Auto&General Insurance Company Limited, a licensed non-life Insurer and Financial Services Provider.

Total Risk Administrators has specialist staff with years of insurance, clinical and healthcare administration experience, so there’s really no need to stress! This GAP is indeed Covered.

WE PROVIDE HEALTHCARE INSURANCE SOLUTIONS
FOR OUR CLIENTS

A STRESS FREE EXPERIENCE

  • Our value lies in our wish to give customers a satisfactory experience from start to finish.
  • Treating Customers Fairly (TCF) is our main aim.
  • We have designed products which are beneficial, relevant, fair and cost-efficient.
  • We provide clear and detailed information regarding these benefits.
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  • Our team is always readily available to assist you, so that the process of applying, joining and claiming is a seamless experience.
  • Our claims turnaround is unmatched.
  • We offer structure yet flexibility in our communications strategy, by maintaining our brand awareness, whilst being open to feedback for change and development.
  • We are always trying to evolve and make ourselves the best provider we can be.
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
26 January 2026Gap Cover, News, TRA News

A necessity for every South African medical aid holder – Medical Gap Cover

Many South Africans are unaware of what medical gap cover is or why it's essential. A common misconception is that

26 January 2026Gap Cover, News, 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

Read More
26 January 2026Gap Cover, News, TRA News

2026 TRA Gap Cover Pricing

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

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