Total Risk Administrators
TRA News
Copyright: Consumer research conducted by BrandMapp on behalf of Total Risk Administrators (TRA), 2025. “With only 19% of medically insured South Africans currently having gap cover, there are literally millions of families who could benefit from this protection but haven’t yet recognised the need.” When you’re lying in a hospital bed recovering from surgery, the […]
Understanding medical aid tariffs and what “above-tariff” means is crucial for every medical aid member in South Africa. Medical aid tariff refers to the predetermined rates that medical aid schemes pay for specific medical procedures and treatments. When specialists charge above these tariff rates, members face unexpected medical bills unless they have gap cover protection […]
Paying R5000 or more a month for medical aid should mean you’re covered for almost anything. But the reality is, even top-tier medical aid plans in South Africa don’t cover the total medical bill. Thousands of South Africans pay R5,000 or more every month for medical aid. Many feel that a premium medical aid scheme […]
Medical gap insurance is essential for South Africans who want comprehensive coverage and financial protection against medical expense shortfalls. Even with a registered medical aid scheme, many members face unexpected costs for in-hospital procedures, specialist treatments, and co-payments. This article explains how gap insurance works, what it covers, and why it’s a must-have for anyone […]
As South Africans, we are lucky to live in a truly rainbow nation. This term, which refers to our country’s multicultural diversity and heritage, was coined by the former Archbishop, Desmond Tutu. About Heritage Day Heritage Day was first observed in 1996 as a celebration of the newly formed democracy. Nelson Mandela shared, “When our […]
As your family grows, so does your need for comprehensive insurance protection that has you covered on all fronts. Families without proper cover often find themselves facing unexpected financial strain that can impact their quality of life for years to come. The reality is, a serious illness or unexpected death in the family can result […]
You Could Be Missing Out On Thousands of Rands Every Year! Did you know that SARS provides significant tax relief through medical tax credits that can reduce your regular tax liability by thousands of rands annually? Understanding how these medical fees tax credits work and how to maximise them is crucial for any professional serious […]
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 […]
Understanding exclusions that may apply to your gap cover is essential when choosing supplementary medical aid coverage. It’s important to know exactly what isn’t covered to avoid unexpected medical expenses. What Is Medical Gap Cover? Gap cover is a supplementary short-term insurance product that works alongside medical aid schemes to provide cover for the difference […]
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 […]
Nelson Mandela is renowned as a revolutionary leader with numerous outstanding achievements, who spent his life fighting for equality and a free and fair society. He was determined to fight all forms of discrimination, injustice and inequality. Madiba stands out as a visionary leader who exercised his power with humility and respect for his colleagues […]
South Africa is synonymous with Nelson Mandela (born July 18, 1918, Mvezo, South Africa—died December 5, 2013, Johannesburg). Our late and former president was renowned for his role as a revolutionary leader who spent almost seven decades of his life in the struggle against white minority rule and for a free and democratic non-racial society. […]
Medical Insurance and Medical Aid may sound like the same thing, and in many ways, they can overlap; however, there are some key differences between a medical aid scheme and medical insurance that are important to know when making a decision on your coverage. Both medical aid and medical insurance offer some form of financial […]
In South Africa, Father’s Day falls on the third Sunday of June. It is a day where we can take the time to honour and appreciate our fathers, grandfathers, stepfather or any father figure in our lives. Traditionally, we celebrate by giving cards and gifts, some favourites include biltong and nuts, aftershave or new socks. Accompanied […]
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 […]
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 […]
Some things just work better together, like a needle and thread or a lock and key. The same could be true for Medshield Medical Aid and TRA Gap Cover. When combined, medical aid and gap cover can work to ensure your healthcare cover is complete, with no expensive gaps left behind. If you’re on Medshield […]
Have you ever wondered about the history of Mother’s Day? In South Africa, Mother’s Day is celebrated each year on the second Sunday in May, similar to the United States and several other countries. While many of us celebrate with her favourite flowers and breakfast in bed, the origins of this beloved day stretch far […]
In South Africa, the costs of medical treatment keep rising, leaving many people questioning how to stay financially “in the green” when their medical aid just doesn’t seem to be enough anymore. By this, we mean that specialists tend to charge above medical scheme tariff rates, leaving South Africans needing to find a gap cover […]
With medical costs costing an arm and a leg in South Africa, many medical aid members are asking: Is an additional premium for gap cover worth it? The short answer is yes. Why? Well, could you afford an unexpected R20,000 shortfall out of pocket? If we’re being honest, even R5,000 or R10,000 is hard to […]
Understand the importance of sleep and how your sleep quality can affect your well-being. Watch TRA’s podcast episodes to find out more!
Read More →
Gap cover can shield you from unexpected medical expenses, discover the 5 reasons you need gap cover in South Africa.
Read More →
Gap cover pays the difference between what your medical aid covers and what specialists charge. TRA answers the question “What is Gap Cover?”
Read More →
