28 October 2026 · News, TRA News, The Inside TRAQ Podcast
The Inside TRAQ: Is Water Just Water?
Water is water, whether it comes from a tap or a bottle. What isn’t the same is the experience. Gap cover works much the same way.
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For Employers & Groups
Corporate Gap Cover Solutions
Group gap cover that protects your employees against in-hospital medical aid shortfalls, with group pricing, consolidated billing and dedicated servicing from TRA.
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 employers choose TRA
1
Group pricing
Rates structured for the size and profile of your workforce, quoted per option.
2
One billing arrangement
A single consolidated monthly invoice with per-member reconciliation.
3
Dedicated servicing
A named servicing contact for HR, plus onboarding and claims support for staff.
4
Full digital onboarding
Employees enrol online in about five minutes, with no medical exams.
5
Included member benefits
Travel insurance and TRA Assist services come standard with gap cover.
6
Authorised and underwritten
FSP No 40815, underwritten by Auto&General Insurance Company Limited.
Trusted by South African employers
Who We Work With
Why Choose TRA for Corporate Clients?
Professional Associations
Medical Scheme Administrators
Brokers & Intermediaries
Employers (Small, Medium & Large)
Corporate Tools & Resources
Need Help Choosing The Right TRA Product?
Use our Gap Cover Product Selector Tool to match products to the member’s medical aid.
Launch Product Selector ToolQuote In Under A Minute
Our Instant Quote Tool allows you to generate a real-time premium across our range.
Get An Instant QuoteGet Accredited & Trained Online
We also include an online accreditation assessment link for you, once you have an agreement in place with us.
Watch The Official Training Video HereMonthly Dashboard Reporting
Corporate clients receive monthly claim trends and membership reporting to support benefit monitoring and review.
TRA Gap Cover Options
Product
Highlights
Advanced shortfall and co-payment cover with high limits and added extras.
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.
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.
Contact Our Corporate Team
Our Latest News
21 October 2026 · News, TRA News, Gap Cover
TRA: Cover is regulated. Experience is not.
Cover is regulated. Experience is not. Discover how TRA Gap Cover delivers reliable protection, exceptional service and innovative benefits.
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14 October 2026 · News, TRA News
Is gap cover worth it?
Is gap cover worth it? We say yes. Avoid medical debt with TRA’s affordable plans, up to 700% cover, fast claims & no general waiting period.
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