The Inside TRAQ: Is Water Just Water?
Water is water, whether it comes from a tap or a bottle. What isn’t the same is the experience. Gap cover works much the same way.
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TRA: Cover is regulated. Experience is not.
Cover is regulated. Experience is not. Discover how TRA Gap Cover delivers reliable protection, exceptional service and innovative benefits.
Is gap cover worth it?
Is gap cover worth it? We say yes. Avoid medical debt with TRA’s affordable plans, up to 700% cover, fast claims & no general waiting period.
Unpacking TRA’s oncology gap cover and benefits
Learn how TRA oncology gap cover helps cover cancer treatment shortfalls, co-payments, scans, oncology benefits and female cancer cover options.
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 the actual costs charged by private healthcare providers. In South Africa, medical aid schemes often reimburse healthcare services at a predetermined rate, known as the medical scheme tariff (MST). However, specialists and hospitals may charge […]
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 hardly use. However, what people don’t often realise is that an entry-level hospital plan can still be a type of medical aid, registered and regulated under the same Medical Schemes Act just as any comprehensive […]
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 affect you and your family? Terms used in insurance can often be complicated and overwhelming. However, medical aid members need to understand what these terms mean and how they affect their medical scheme and short-term […]
Female Cancer Cover Plans Compared
TRA’s Female Cancer Cover runs across three plan levels. Grand pays R50 000 on confirmed diagnosis, Supreme pays R100 000, and Ultimate pays R150 000. The difference between them is the size of that payout and the premium attached to it. These plans were previously sold as Femme 50 and Femme 100. Those names were […]
Can foreigners get medical aid?
Yes. As a foreigner planning to live in South Africa for a longer period, you can join a medical aid scheme, provided you hold a valid passport, a current work, study, or residence visa, and have a South African bank account to pay your premiums. The benefits you receive are the same as those available […]
The Perfect Gap Cover For (Any) Medical Aid
Some things just work better when they’re together; medical aid and gap cover are no exception. With medical treatment and specialist costs as high as they are, regardless of your medical aid scheme, there is often a shortfall in covering the full costs charged by healthcare providers. Without the perfect gap cover policy to pair […]
The Best Gap Cover in South Africa – TRA Lists 10 of The Best Gap Cover Plans for South Africans
Taking out medical gap cover can prove life-saving, especially when you are admitted to a hospital and risk incurring shortfall costs. Medical aid scheme rules and regulations can be exasperating and frustrating to follow. Why do our medical aid benefits run out when we need them the most? And why do medical aids cover some […]
Medical Gap insurance waiting periods
Yes, you can get gap cover with no waiting period in South Africa, but only if you transfer from another gap cover provider with similar benefits. TRA waives all standard waiting periods under this 90-day transfer rule, provided you apply within 90 days of cancelling your previous policy and submit a membership certificate as proof. […]
Qualifying For Gap Cover: All You Need To Know
You qualify for gap cover in South Africa when you are a registered member of a medical aid scheme. Gap cover sits alongside your medical aid and pays the in-hospital shortfalls that arise when specialists charge more than the scheme’s tariff. You can extend the policy to your spouse and dependants who share your medical […]
Unpacking Gap Cover Providers: TRA and Dischem Gap Cover
Dis-chem Gap Cover and TRA Gap Cover are two of South Africa’s main gap insurance providers, but their plans differ on cover ceilings and on the number of plans each offers. Dischem covers up to 600% above scheme tariff across two plans (Base and Summit). TRA covers up to 700% across four plans, starting at […]
What Is TRA’s Absolute Cover Plus Offering?
Absolute Cover Plus is TRA’s premium gap cover offering that works hand in hand with your registered medical aid scheme. It covers the difference between what your medical aid pays and what healthcare providers charge for in-hospital procedures, specialist consultations, and authorised cancer treatment. This gap cover product includes the most comprehensive set of benefits […]
Super Cover Plus: Our Mid-Range Gap Cover Product
If you are a medical aid member in South Africa looking for protection beyond basic coverage, TRA’s Vital Cover Plus is designed to provide enhanced entry-level gap cover with essential extra benefits. If you are a medical aid member in South Africa seeking comprehensive protection against medical shortfalls, TRA’s Super Cover Plus is designed to […]
TRA Vital Cover Plus: Our Second Entry-Level Gap Cover Product
If you are a medical aid member in South Africa looking for protection beyond basic coverage, TRA’s Vital Cover Plus is designed to provide enhanced entry-level gap cover with essential extra benefits. Vital Cover Plus adds in-network co-payment cover, sub-limit cover for internal prostheses, and an oncology co-payment benefit on top of TRA’s core gap […]
TRA Basic Cover 300: Our Affordable Entry-Level Gap Cover Product
If you are a medical aid member in South Africa, consider TRA’s Basic Cover 300, designed to provide affordable, entry-level gap cover for protection against medical aid shortfalls. What Is TRA’s Basic Cover 300? Basic Cover 300 is TRA’s entry-level gap cover policy, available from R99 per month for an individual and R197 per month […]
Gap Cover: The Short-Term Insurance That You Absolutely Need Over and Above Your Medical Aid
As Josh Billings once said, “Health is like money. We never have a true idea of its value until we lose it.” For South Africans navigating rising medical costs, gap cover short-term insurance is an important consideration for anyone who values their health and financial security. What is Gap Cover? Gap cover is a type […]
Bridging the Gap: Prioritising Mental Health with TRA’s Gap Cover
Balancing the demands of life can often feel overwhelming. We find ourselves juggling many aspects of daily life, and at times, our health can fall victim to this aftermath. While physical health has long enjoyed the spotlight, mental health is gaining the recognition it deserves as an integral component of overall wellness. Total Risk Administrators […]
Our Latest News
28 October 2026 · News, TRA News, The Inside TRAQ Podcast
The Inside TRAQ: Is Water Just Water?
Water is water, whether it comes from a tap or a bottle. What isn’t the same is the experience. Gap cover works much the same way.
Read More →
21 October 2026 · News, TRA News, Gap Cover
TRA: Cover is regulated. Experience is not.
Cover is regulated. Experience is not. Discover how TRA Gap Cover delivers reliable protection, exceptional service and innovative benefits.
Read More →
14 October 2026 · News, TRA News
Is gap cover worth it?
Is gap cover worth it? We say yes. Avoid medical debt with TRA’s affordable plans, up to 700% cover, fast claims & no general waiting period.
Read More →