Total Risk Administrators (TRA), service that goes the extra mile

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About Us

The preferred healthcare insurance company.

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.

1999

Operating since

FSP 40815

Authorised provider

5 min

Digital sign-up

Underwritten by

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.

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.

We provide healthcare insurance solutions for our clients

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.

What Is Gap Cover?

Gap cover is a short-term insurance product designed to cover the financial shortfall between what your medical aid pays and… What Is Gap Cover?

What If You Can’t Afford (Comprehensive) Medical Aid?

Most people picture one thing when they hear "medical aid": a comprehensive plan with all the bells and whistles you… What If You Can’t Afford (Comprehensive) Medical Aid?

What Is The Annual Aggregate Limit & Why Has It Increased?

Are you aware of the annual aggregate limit for your medical aid or gap cover provider and how it can… What Is The Annual Aggregate Limit & Why Has It Increased?

View All Frequently Asked Gap Cover Questions