total risk administrators (TRA) logo

Does gap cover pay for everything that my medical aid, won’t?

Doctor smiling at toddler

Rather have it and not need it is pretty much how you need to look at having a gap cover plan. Yes, you may be thinking, well I have a medical aid and surely that’s enough?

Not exactly. Not all medical aids pay out in full for certain specialists or procedures and you can’t always anticipate getting a sudden illness or being involved in an accident, giving you no time to plan or save, and the shortfall of those costs, even if you are on a good medical aid, can run into tens or even hundreds of thousands of rands. It’s for this reason, that having medical gap cover will help you in the long run.

What is gap cover?

Gap cover plans are generally quite cost efficient and don’t cost you as much as your medical aid plan and there are a number of them to choose from. This is a medical insurance that works in conjunction with your medical aid (you can’t get gap cover without medical aid). It helps to cover the shortfall between what your medical aid will pay when admitted to hospital and what a specialist will charge. If you are considering gap cover, you may as well explore having extensive cover and include all the different benefits.

Is everything covered by Gap cover?

It’s important to understand that gap cover will never cover something that your medical aid plan excludes, for example, cosmetic surgery. It will only top up a shortfall on approved procedures by your medical aid for specialists. You need to read the fine print when you compare plans to make sure you make the right decision for when it comes to anything medical.

Gap cover should give you peace of mind knowing that should something happen, you won’t have to worry about lump sums of money to cover those expenses.

Medical Gap Cover Questions & Queries

If you have any more queries or questions regarding anything related to TRA Gap Cover, why not reach out to our helpful specialists here. You can also visit our Gap Cover page here.


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 and matter relating to their health and well-being. The information and opinions expressed here are believed to be accurate, based on the best judgement 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.


26 April 2024News, TRA News

TRA BIS Soccer Tournament

TRA, in conjunction with Border Icons in Sport (BIS) are sponsoring an Under 13 Primary Schools Soccer Tournament to be

19 April 2024News, TRA News

Matt Sates shines at Swimming South Africa National Championships

The country’s elite swimmers gathered in Port Elizabeth last week for 6 days, at the Swimming South Africa Senior National

Read More
10 April 2024Uncategorized

Gap Cover For Pregnancy: All You Need to Know

Navigating medical cover can be challenging, especially when you are preparing for your new addition to the family. One of

Read More