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Pre-Existing Conditions explained to a patient by a doctor

Gap Cover and Pre-Existing Conditions: Will You Be Covered?

Pre-existing conditions are the single most common reason people put off applying for gap cover. They are worried that a previous surgery, a chronic illness, a back problem or a cancer diagnosis from years ago will either disqualify them, or that they will end up paying premiums for a policy that quietly excludes the very thing they want covered. The rules in South Africa are clearer than most people expect,

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Learn more about TRA's premium gap cover product option, Absolute Plus

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 TRA offers, with most categories effectively uncapped within the aggregate annual limit of R219 845

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TRA Super Cover Plus is our mid-range gap cover option

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 provide mid-range gap cover with extensive benefits. Super Cover Plus sits at TRA’s 700% tariff

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FREQUENTLY ASKED QUESTIONS

How Does Gap Cover Work?

Gap cover insurance is essential for covering shortfalls after medical treatments like surgeries or hospital stays where the specialist’s fees are higher than what your medical aid covers. Once your medical aid has processed and paid their portion of the bill, you can claim the remaining amount from your gap cover provider, according to the terms of your policy. 

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27 May 2026TRA News

Gap Cover and Pre-Existing Conditions: Will You Be Covered?

Pre-existing conditions are the single most common reason people put off applying for gap cover. They are worried that a

22 May 2026News, TRA News

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.

Read More
15 May 2026News, TRA News

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

Read More
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