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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 (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.













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.
Yes. As a foreigner planning to live in South Africa for a longer period, you can join a medical aid
A sub-limit is a cap your medical aid places on a specific procedure or item, separate from your overall annual
Gap cover pays for some out-of-hospital procedures, but only a narrow, defined set, mostly scans and scope co-payments (and these
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