Corporate Gap Cover
Solutions

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?

Who We Work With

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.

Contact Our Corporate Team

TRA Gap Cover Options

Product

Highlights

Super Cover Plus

Advanced shortfall and co-payment cover with high limits and added extras.

Absolute Cover Plus

Solid, balanced protection ideal for families and employer groups.

TRA Custom Cover

Bespoke solutions built around specific corporate or scheme arrangements.

Let’s Build a Tailored
Solution Together

TRA supports brokers, HR professionals, and medical scheme administrators to:

  • Design and quote for group schemes
  • Launch gap cover as an employee benefit
  • Access training and marketing material
  • Track uptake and claims performance
  • Maintain regulatory compliance

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:

  • Design and quote for group schemes
  • Launch gap cover as an employee benefit
  • Access training and marketing material
  • Track uptake and claims performance
  • Maintain regulatory compliance

All products are structured to comply with the relevant regulatory framework and pricing principles for demarcated health insurance products.

FREQUENTLY ASKED QUESTIONS
What is Gap Cover?

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.

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