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Please note that you should receive communications from a TRA representative soon. If not, please follow up with our membership department: membership@totalrisksa.co.za, or call our office line and ask for the membership department: 011 372 1540. The benefits of the policy chosen only commence after the first successful debit order collection.

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. 

OUR LATEST NEWS
16 September 2026Gap Cover, News, TRA News

What Is Gap Cover?

Gap cover is a short-term insurance product designed to cover the financial shortfall between what your medical aid pays and

16 September 2026Gap Cover, Health Insurance, News, TRA News

What If You Can’t Afford (Comprehensive) Medical Aid?

Most people picture one thing when they hear "medical aid": a comprehensive plan with all the bells and whistles you

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4 September 2026Gap Cover, Health Insurance, News, TRA News

What Is The Annual Aggregate Limit & Why Has It Increased?

Are you aware of the annual aggregate limit for your medical aid or gap cover provider and how it can

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