The turbulence of the global pandemic has prompted many people to re-evaluate their monthly expenses in 2021. Medical schemes are typically expensive in South Africa and one of the first bills people seek to reduce in times of financial strain. Should this apply to you, gap cover could help cover potential in-hospital medical expense shortfalls you might encounter.

How the best medical gap cover can help you

People often believe that they need to upgrade their medical aid membership if service providers charge above scheme tariff or their scheme has high co-payments for example. However, gap insurance could assist in this regard. Gap cover acts as insurance for potential in-hospital shortfalls.

Why you should extend your gap cover for 2021

The gap between what you pay for health care treatments in a hospital and the benefits provided by your medical insurance is widening, which is why you should consider getting gap cover. Typical monthly premiums for gap insurance are roughly 10% of your medical aid premium, and a single policy extends to everyone on your medical aid plan. If your medical aid costs you R3000 per month, for example, your gap insurance premium would typically be about R300. The nominal monthly premium for gap cover offers peace-of-mind for added coverage for when you might need it most.

Total Risk Administrators offers a range of gap cover policies to suit particular requirements:


Basic Cover 300
(R99 per month)

Standard benefits:
Gap Cover
Casualty Cover
Oncology Gap
Policy Extender
Accidental Death Cover
TRA Assist powered by ituASSIST


Vital Cover Plus

(R235 per month)

All Basic Cover benefits, plus:
Co-Payment Cover
Sub-Limit Cover
Policy Extender
Covid-19 Isolation Hotel Benefit


Super Cover Plus

(R265 per month)

All Vital Cover benefits, plus:
Global Fee Benefit
Breast Reconstruction Surgery Benefit


Absolute Cover Plus

(R480 per month)

All Super Cover benefits, plus:
Maternity Private Ward Benefit
Oncology Extender Benefits

Should you want more information about our Gap Cover plans or if you would like to find out which plan would best suit your requirements, contact our team at Total Risk Administrators today:

Note: All material on this website is provided for your information only and may not be construed as medical advice or instruction. No action or inaction should be taken based solely on the contents of this information; instead, readers should consult appropriate health professionals on any matter relating to their health and well-being. The information and opinions expressed here are believed to be accurate, based on the best judgment available to the authors, and readers who fail to consult with appropriate health authorities assume the risk of any injuries. Errors and Omissions Excepted. Terms and Conditions Apply.