TRA’s Female Cancer Cover runs across three plan levels. Grand pays R50 000 on confirmed diagnosis, Supreme pays R100 000, and Ultimate pays R150 000. The difference between them is the size of that payout and the premium attached to it.
These plans were previously sold as Femme 50 and Femme 100. Those names were retired, and a third level was added above them.
How the Female Cancer Cover Plans Compare
Each plan pays a pre-determined lump sum on confirmed diagnosis of a listed cancer, because many medical aid schemes carry no comprehensive female cancer benefit by default. The choice between levels comes down to how large a financial gap you would face during treatment.
| Plan | Lump sum payout | Accidental death | 18 to 55 | 56 to 64 | 65 and over | Previously |
| Grand | R50 000 | R5 000 | R139 | R171 | R268 | Femme 50 |
| Supreme | R100 000 | R10 000 | R241 | R342 | R535 | Femme 100 |
| Ultimate | R150 000 | R15 000 | R337 | R514 | R803 | New level |
Each payout is made per unrelated occurrence, and only once per cancer type. Rates are reviewed each January, and your premium also moves when you cross into a new age band.
What the Cover Pays For
The listed cancers under this policy are:
- Breast cancer
- Cervical cancer, excluding Cervical Intraepithelial Neoplasia
- Ovarian cancer
- Uterine cancer
- Vaginal cancer
- Bladder cancer
- Cancer of the fallopian tubes
A diagnosis must be confirmed by histological evidence of malignancy from a qualified oncologist or pathologist registered with the HPCSA. Cancer-in-situ and pre-malignant changes fall outside the definition, as do malignant cells treated by primary biopsy alone where no surgery or further oncology treatment followed.
Payment is made as a cash lump sum to the policyholder. Nothing is tied to a medical invoice, so the money can go toward treatment shortfalls or transport to a treatment centre, or cover lost income during recovery.
The For Him Add-On
An optional For Him Benefit extends cover to one male dependant, being the policyholder’s legal spouse or common law partner. Common law partners need an affidavit proving at least 12 months of cohabitation, and both people must be at least 18 years old. Child dependants are not covered. The add-on cannot be held on its own and only exists alongside an active Female Cancer Cover policy.
It covers a defined list of male cancers:
- Male breast cancer
- Prostate cancer
- Testicular cancer
- Penile cancer
- Bladder cancer
Three levels are available, each adding a premium on top of the main policy. Select pays R25 000 and starts at R75 per month, Prime pays R50 000 from R125, and Peak pays R75 000 from R180.
Those starting figures apply to the 18 to 55 band, rising to R180, R300 and R480 respectively at 65 and over. Accidental death benefits run from R5 000 on Select to R15 000 on Peak.
TRA Assist
Policyholders get access to TRA Assist, a set of support services reachable through the TRA mobile app or on 087 135 1241. It includes a Home Drive service covering six trips per policy per annum. A panic button and a medical health and trauma counselling line are also included, and claims can be submitted through the same channels.
The main policyholder can invite her male dependant to use these services. Anyone who already holds TRA Gap Cover has these services through that policy and will not receive them twice.
Waiting Periods and When You Can Claim
A three-month general waiting period applies from your join date. The first diagnosis of a covered cancer also cannot fall inside that window, so a diagnosis dated in month two will not pay out even when the claim is submitted later.
A male dependant added after the policy started runs his own three-month window from his personal join date rather than yours.
Claims need a signed claim form with the insurer inside 90 days of the diagnosis. A 31-day cooling off period applies from commencement, during which you can cancel and have your premium refunded.
Policy Terms Across All Three Plans
Cover is for the female policyholder only, one per policy.
The policy pays out on more than one occurrence, provided the occurrences are unrelated. A second diagnosis of the same cancer never pays again, and neither does a cancer that spreads from a previously claimed one. Only one lump sum is ever payable per claim, so two covered cancers diagnosed at the same consultation still produce a single payout.
Exclusions Worth Knowing
Any condition for which you sought or should have sought medical advice for during the 24 months before your join date is excluded as pre-existing. Breast cancer is excluded outright where you had a mastectomy or a lumpectomy before the policy started, or a positive breast cancer diagnosis at any earlier point.
Cervical Intraepithelial Neoplasia at CIN I, CIN II and CIN III is not covered, since CIN is a precancerous change rather than cancer.
Cover rests on a declaration of good health completed when you apply. The insurer may also request a medical examination or the release of your medical records, and failure to respond to either request leaves you without cover on a claim.
Choosing Between the Three
Anyone holding older paperwork referring to Femme 50 or Femme 100 should confirm their current plan name and payout with their intermediary. New communications would have been emailed with the product updates.
Read the full breakdown on TRA’s Female Cancer Cover page, or the policy wording in full, then speak to your broker/intermediary/ consultant about which of the three levels fits.
