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When are you not covered?: Co-payment Gap Cover (excluding Oncology Benefit): • Where you have been charged a co-payment or deductible by your medical aid

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

When can you claim? • The waiting periods all start on the same ‘Join Date’ as specified in the certificates. • There is no general

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

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.

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

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

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

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

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