Basic Cover 300 is our entry level product which is sufficient in providing for Gap Cover, Casualty cover and Oncology Gap.

Benefits: Basic Cover 300*

The Basic Cover 300 option covers up to 300% above medical aid scheme tariff. This means that if your service provider charges anything up to 2 times what your medical aid will cover, TRA will provide for this gap, subject to the annual limit.*

*Annual Limit: The Basic Gap, Casualty and Oncology Gap benefits are subject to the aggregate gap cover annual limit of R158 000 per insured person per annum. (This limit may change due to regulatory amendment).

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Casualty

  • Sometimes emergencies occur and you need to rush to casualty.
  • Your medical aid does not always cover the total costs in full. Whether payment comes from your medical scheme savings account or day-to-day benefit, the gap will be covered.
  • Sometimes the medical aid will not account for anything regarding this casualty visit, leaving you to cover the bill in full. This benefit will cover you for up to R2 750 per policy per annum (subject to the annual limit*) EVEN IF YOUR MEDICAL AID COVERS NOTHING.

Oncology Gap

  • Oncology Gap Benefit: Up to an aggregate of R158 000 per insured person per annum. The shortfall that 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 (NB: Subject to the gap cover percentage; and medical aid approved treatment plan being covered up to scheme tariff and within annual scheme oncology limit).

Policy Extender

  • We often hear of cases where one of our policyholders passes away, leaving their loved ones to pick up the pieces. They are left with the challenge to make sure that the gap cover they were used to is funded for a period of time.
  • This benefit will provide for your gap cover premiums for a period of 6 months after the death of the original policyholder.

Accidental Death

  • Accidents happen! Unfortunately, some severe accidents may even result in death. The situation is made worse if that person was the main breadwinner. Costs can run into the thousands and often funds are tied up to an estate.
  • This benefit will provide an amount of R3 000 in the event of death of the insured and / or spouse, and R1 500 in the event of the death of the

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  • Benefits: Home Drive, Panic Button, Nurse Line.

*Subject to the aggregate gap cover annual limit of R158 000 per insured person per annum.

TERMS AND CONDITIONS:
A full list of terms and conditions can be viewed here.

HIATUS HERNIA REPAIR – 2019

 Attending Doctor  Private Rate  Medical Aid Tariff  *Gap Cover  Your Share
 Surgeon  R 11 593.84  R 7 823.60  R 3 770.24  NIL
 Specialist Anaesthesiologist  R 8 871.10  R 3 554.98  R 5 316.12  NIL
 TOTAL R 20 464.94 R 11 378.58 R 9 086.36  NIL

*Cover provided by all 4 Gap products.

VASECTOMY – 2019

 Attending Doctor  Private Rate  Medical Aid Tariff  *Gap Cover  Your Share
 Urologist R 2 473.24  R 1 126.63 R 1 346.61  NIL
 Specialist Anaesthesiologist  R 14 641.00  R 4 409.53  R 9 790.52  NIL
 TOTAL  R 17 114.24  R 5 977.11  R 11 137.13  NIL

*Cover provided by all 4 Gap products.

*Subject to Product Option benefits and Imposed Waiting Periods.
*Subject to the aggregate gap cover annual limit of R158 000 per insured person per annum. (This may change due to regulatory amendment).