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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 […]
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 […]
If you have shopped around for gap cover in South Africa, you have probably seen plans advertised at 200%, 500% or 700%. The numbers look arbitrary, and most brochures do not bother to explain them. They matter, though. The percentage on your gap cover policy is what decides whether your bill from the anaesthetist/other specialists, […]
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 […]
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 […]
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 […]
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 […]
Both cover hospital costs, but in different ways. Medical aid pays benefits up to your plan’s limits. Gap cover pays the shortfall when doctors charge above those limits. Simple enough, but the detail matters. Here’s what you need to know about using both for complete healthcare protection What is Medical Aid? When it comes to […]
Gap cover is not just a nice to have. It should be an essential gap cover insurance product that should be a part of your medical aid plan. Gap cover companies aim to help you in instances where there is a shortfall between what a service provider will charge and what your medical aid scheme […]
Millions of South Africans rely on medical aid – but having medical aid doesn’t mean your hospital bills are fully covered. In KwaZulu-Natal, shortfalls in medical centres catch many patients off guard when they discover the gap between what their specialist charges and what their medical scheme actually pays. These tariff shortfalls can run into […]
Millions of South Africans rely on medical aid, but in the Western Cape, shortfalls in often leave patients with significant out-of-pocket bills. These shortfalls arise when healthcare providers charge more than your medical aid pays, creating an urgent need for solutions such as gap cover. With the Western Cape’s high concentration of private specialists and […]
It’s no secret that private healthcare is becoming increasingly expensive for the average South African. With many medical scheme plans failing to provide full coverage for healthcare costs, harder decisions need to be made that can compromise finances or health. As medical aid contributions continue to rise, medical aid members are looking for ways to […]
Many South Africans are unaware of what medical gap cover is or why it’s essential. A common misconception is that medical aid covers 100% of in-hospital procedures, but this isn’t true. Medical aids only pay up to a set tariff rate, leaving you responsible for any shortfall when doctors charge above this amount. These gaps […]
Medical aid schemes often leave a gap (known as medical shortfalls) between what the medical aid pays and the actual cost of the treatments. This gap can arise from in-hospital procedures, which are capped at a medical aid tariff (the amount the medical aid covers) or co-payments imposed by your medical aid. Gap cover is […]
If you ask several people if they know what gap cover is, many might have a general idea, but often, there is a misconception surrounding how it works. One common misconception is that you’re 100% covered for all in-hospital costs if you are a member of a registered medical aid. Unfortunately, this is not the […]
In general, we all aim to ensure that our health, and that of our loved ones, is looked after. However, the past few years have shown that there are no guarantees regarding healthcare costs or medical cover. For many South African families, unexpected medical expenses can quickly become a financial burden without the right safety […]
Dental treatment can be costly. Even with comprehensive medical aid plans, often you’ll find that not all expenses associated with dental treatments are covered. This is where gap cover becomes essential, bridging the gap between what your medical aid pays and the actual costs of the procedures, in this case, what your dental practitioners charge. […]
Gap cover claims can seem daunting at first, but the process is simple, and TRA, a trusted gap cover provider, is here to show you exactly how to navigate the gap cover claims process, ensuring you receive your reimbursement ASAP. Is There One Process To Follow? You need authorisation from your medical aid for them […]
It’s a scenario playing out across South Africa every day: You’re diligent with your medical aid payments. You go in for a necessary procedure. Everything gets approved. Then comes the gut punch: a bill for R20,000 that your medical aid won’t cover. That begs the question: How is this possible with comprehensive medical aid? Well, […]
Medical aids and medical schemes in South Africa don’t cover the full cost of healthcare. The gap between what medical aid pays and what healthcare providers charge creates significant financial risk for employees. Corporate gap cover bridges this gap, protecting your workforce from unexpected medical costs and debt. What Is Corporate Gap Cover? Corporate gap […]
Understand the importance of sleep and how your sleep quality can affect your well-being. Watch TRA’s podcast episodes to find out more!
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Gap cover can shield you from unexpected medical expenses, discover the 5 reasons you need gap cover in South Africa.
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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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