TRA Corporate Gap Cover Solutions
Smart Protection for Employer Groups and Medical Scheme Clients
At Total Risk Administrators (TRA), we help organisations and brokers protect their people from unexpected out-of-pocket medical expenses, filling the gap between what medical aids pay and what healthcare providers charge.
Our corporate gap cover solutions are ideal for businesses, medical schemes, and professional associations looking to offer added healthcare security and financial peace of mind. With over 90,000 lives currently covered, TRA is trusted by thousands across South Africa.
Why Choose TRA for Corporate Clients?
Medical Scheme
Administrators
Brokers &
Intermediaries
Employers (Small,
Medium & Large)
Professional
Associations
Corporate Tools & Resources
Need help choosing the right
TRA product?
Need help choosing the right TRA product?
Use our Gap Cover Product Selector Tool to
match products to the member’s medical aid.
Use our Gap Cover Product Selector Tool to match products to the member’s medical aid.
Quote in under a minute
Our Instant Quote Tool allows you to generate a
real-time premium across our range.
Our Instant Quote Tool allows you to generate a real-time premium across our range.
Get Accredited & Trained Online
We also include an online accreditation assessment link for you, once you have an agreement in place with us.
Monthly Dashboard Reporting
Corporate clients receive monthly claim trends and membership reporting to support benefit
monitoring and review.
Corporate clients receive monthly claim trends and membership reporting to support benefit monitoring and review.
Corporate Business Unit: corporate.solutions@totalrisksa.co.za
Tel: 011 372 1540
TRA Gap Cover Options
Let’s Build a Tailored
Solution Together
TRA supports brokers, HR professionals, and medical scheme administrators to:
All products are structured to comply with the relevant regulatory framework and pricing principles for demarcated health insurance products.
Let’s Build a Tailored Solution Together
TRA supports brokers, HR professionals, and medical scheme administrators to:
All products are structured to comply with the relevant regulatory framework and pricing principles for demarcated health insurance products.
Gap Cover is an insurance policy that covers the difference between
what your medical aid pays and what service providers charge for
in-hospital expenses.
Gap Cover is an insurance policy that covers the difference between what your medical aid pays and what service providers charge for in-hospital expenses.
Many South Africans are unaware of what medical gap cover is or why it's essential. A common misconception is that
Medical aid schemes often leave a gap (known as medical shortfalls) between what the medical aid pays and the actual
If you ask several people if they know what gap cover is, many might have a general idea, but often,
