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What is the TRA Oncology Gap Benefit?

oncology doctor talking to patient

This is when a shortfall arises after your medical aid has processed your account and is due to service providers charging above scheme tariff for medical aid approved oncology treatment plans (it is important to note that this is subject to: the Gap Cover percentage; and medical aid approved treatment plan being covered up to […]

Gap Cover: The Important Information (Part 1)

couple going over documents

When can you claim? • The waiting periods all start on the same ‘Join Date’ as specified in the certificates. • There is no general 3 month waiting period. • There is however a 10 month condition specific waiting period for any Gap Cover policy if they relate to any of the conditions as set […]

Do you have Gap Cover?

doctor talking to patient

Gap Cover is one of those additional policies that work in conjunction with your medical aid, which assists with shortfalls in terms of what the doctor will charge you and what your medical aid will actually cover for in-hospital procedures. There is the assumption that if you have a medical aid, you are naturally covered […]

What Are Medical Aid Co-Payments and How Can I Avoid Them?

What Are Medical Aid Co-Payments and How Can I Avoid Them?

Having a medical aid gives an individual peace of mind that in the case of a dreaded disease or a serious accident, you are covered. However, this is not always the case. For many procedures, you need an additional cash infusion if an imposed co-payment needs to be paid. This is where Gap Cover can […]

TRA Gap Cover: What waiting periods are imposed?

TRA Gap Cover: What waiting periods are imposed?

Having Gap Cover can make an individual feel more protected and covered when it comes to those unexpected medical emergencies. However, like any kind of insurance or policy, there are terms and conditions the individual must understand when wanting to claim. Take a look at the waiting periods imposed: General waiting period: There is NO […]

TRA’s Absolute Cover Plus

Toddler in hospital bed

Total Risk Administrators has four different product options with differing levels of cover. Absolute Cover Plus is the top level of Gap Cover provided by TRA. This option is sufficient in providing for Gap Cover, Casualty cover, Oncology Gap and Co-Payment cover as standard benefits, and also provides Sub-Limit cover, as well as an Oncology […]

How to find the perfect Gap Cover for your needs

Gap Cover Exclusions

The perfect Gap Cover is designed to protect individuals who have a medical aid from additional unbudgeted costs during hospitalisation, by covering the differences between medical aid tariff and private rates. When looking at medical aids, there are many different options you can choose from and the same goes for Gap Cover polices. Take a […]

TRA’s Super Cover Plus

Cyclist on the road

Total Risk Administrators has four different product options with differing levels of cover. Super Cover Plus is the third level of Gap Cover provided by TRA. This option is sufficient in providing for Gap Cover, Casualty cover and Oncology Gap as standard benefits, and also provides important Co-Payment cover. Super Cover Plus covers up to […]

When are you not covered under your Gap Cover policy?

Woman sitting on couch while on her phone

When looking at Gap Cover, it is important to not only see what they do have to offer, but take a look at when you are not covered with Gap Cover. It is often assumed by many that they will be covered for all of the extra costs incurred all of the time, however that […]

What do you get from Vital Cover Plus

Family sitting on couch laughing

Total Risk Administrators has four different product options with differing levels of cover. Vital Cover Plus is the ‘second level’ of Gap Cover provided by TRA. This option is sufficient in providing for Gap Cover, Casualty cover and Oncology Gap Cover. Vital Cover Plus covers up to 700% above the medical aid scheme tariff. This […]