Total Risk Administrators

Gap Cover

Gap Cover

TRA’s Travel Insurance Gap Cover Benefit

2025-08-14

Planning your next international adventure? Make sure you have all your ducks in a row. Exploring new places abroad is thrilling, but it can also involve unexpected risks and uncertainties. We encourage our policyholders to make use of their comprehensive travel insurance benefit, which is included in their Gap Cover insurance policy, as it provides […]

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Gap Cover For Pregnancy: All You Need to Know

2025-07-22

Medical aid and gap cover are a must when planning to start or expand your family. With maternity costs in South Africa rising significantly, having the right financial protection ensures your focus stays on welcoming your new baby into the world. Gap cover acts as a safety net, bridging the difference between what medical aid […]

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Gap Cover for Bonitas Medical Aid

2025-05-28

Medical aid without gap cover? Just think of a train without tracks – you won’t get far. The same could be true for Bonitas Medical Aid and TRA Gap Cover. Gap cover complements medical aid, especially when facing unexpected hospital costs that fall outside of the medical scheme rates (MSR). Even with the substantial benefits […]

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Gap Cover for GEMS Medical Aid

2025-05-28

Medical aid and gap cover go together like flint and steel. The magic happens when they work together. Similar could be true for GEMS Medical Aid members applying for TRA gap cover to help navigate their medical scheme tariffs (MST) and manage their out-of-pocket expenses. While GEMS offers a broad selection of medical aid benefit […]

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Unpacking Gap Cover Providers: TRA and Sanlam Gap Cover

2024-10-13

This article will unpack the medical gap cover insurance offerings from two prominent providers: Total Risk Administrators (TRA) Gap Cover and Sanlam Gap Cover. Looking at their coverage, premiums, and benefits to help you choose the right plan and provider for your needs. Understanding Gap Cover Having medical aid is one thing but having complete […]

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Unpacking Gap Cover Providers: TRA and Netcare Gap Cover

2024-09-16

Gap cover essentially helps to cover the shortfalls between what your medical aid pays and the actual costs of medical treatments. In this article, we compare the offerings from two gap cover providers: Total Risk Administrators (TRA) and Netcare Gap Cover (NetcarePlus GapCare). We will explore each provider’s coverage options, premiums, and additional benefits to […]

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Unpacking Gap Cover Providers: TRA and Liberty Gap Cover

2024-09-16

Think of gap cover as a financial safety net that protects you from medical treatment costs exceeding what medical aids cover. In this article, we discuss the offerings of two leading providers: Total Risk Administrators (TRA) and Liberty Gap Cover. We will explore their coverage options, premiums, and benefits to help you better understand each […]

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Unpacking Gap Cover Providers: TRA and Momentum Gap Cover 

2024-08-14

Gap-cover service providers are critical in bridging the financial shortfalls that medical aid schemes may not fully cover. This article unpacks the gap cover offerings from Momentum Gap Cover and Total Risk Administrators (TRA), comparing their coverage options, premiums, and benefits. Understanding Gap Cover The difference between a medical aid scheme and Gap cover is […]

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Unpacking Gap Cover Providers: TRA and Discovery Gap Cover

2024-06-25

Gap service providers are essential in covering the financial shortfalls of the medical scheme (medical aid), ensuring that you are fully protected against unexpected medical expenses. This article showcases two prominent gap service providers, TRA and Discovery Health, listing their monthly premiums, coverage, and key benefits. Gap Cover Gap cover is a medical insurance plan […]

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Gap Cover FAQs by Total Risk Administrators

2024-05-27

Welcome to TRA’s Gap Cover FAQ Article. Here, we have compiled comprehensive answers to some of the most commonly asked questions about gap cover in South Africa, helping you understand how this product can protect you against unforeseen medical costs.  What is Medical Aid Gap Cover in South Africa? In South Africa, gap cover is […]

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Our Latest News

What Is Gap Cover?
16 September 2026 · Gap Cover, News, TRA News

What Is Gap Cover?

Gap cover pays the difference between what your medical aid covers and what specialists charge. TRA answers the question “What is Gap Cover?”

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