No waiting periods if you join between September 2024 and November 2025
Reliable
Gap Cover
Gap Cover is an insurance policy that covers the gap between what your medical aid pays and what service providers charge for in-hospital expenses. Healthcare in South Africa is expensive, and most medical aids only cover part of the healthcare providers’ actual rate.
Gap Cover offers you extra protection, covering the shortfall of your medical aid.
However, Gap Cover is not a medical aid and does not replace your medical aid.
Waiting periods may apply.
Cover up to 700%
Fast Claim
Payouts
Easy Claims
Process
Excellent
Service
Out-of-hospital
Benefits
Affordable Prices
From R99 p/m
Automatic Claim
Submission
STANDARD BENEFITS
Gap Cover
Tariff Shortfalls for Theatre and Ward Fees, Consumables, Laparoscopic/Endoscopic Equipment
Shortfalls on Specialist Consultations
Casualty Cover and Casualty follow-up consultations
Oncology Gap
Accidental Death Cover
Policy Extender
TRA Assist powered by MobiMed
Travel benefit
From R99/m
STANDARD BENEFITS
Gap Cover
Tariff Shortfalls for Theatre and Ward Fees, Consumables, Laparoscopic/Endoscopic Equipment
Shortfalls on Specialist Consultations
Casualty Cover and Casualty follow-up consultations
Oncology Gap
Accidental Death Cover
Policy Extender
TRA Assist powered by MobiMed
Travel benefit
From R99/m
ALL BASIC COVER BENEFITS PLUS
In Network Co-Payment Cover (including for Oncology)
Sub-Limit Cover (internal prostheses)
Medical Aid Contribution Waiver
ALL BASIC COVER BENEFITS PLUS
In Network Co-Payment Cover (including for Oncology)
Sub-Limit Cover (internal prostheses)
Medical Aid Contribution Waiver
From R360/m
ALL VITAL COVER BENEFITS PLUS
Out of Network Co-Payment Cover (including for Oncology)
Co-Payment: Out of Hospital MRI/CT/PET Scans
Sub-Limit Cover for MRI/CT/PET scans and Colonoscopies and Gastroscopies
Global Fee Benefit
Oncology Extender Benefit
Oncology “New-Tech” Benefit
Oncology Gap Benefit for Breast Reconstruction Surgery
Maternity Follow-Up Consultations
Private Ward Benefit
From R380/m
ALL VITAL COVER BENEFITS PLUS
Out of Network Co-Payment Cover (including for Oncology)
Co-Payment: Out of Hospital MRI/CT/PET Scans
Sub-Limit Cover for MRI/CT/PET scans and Colonoscopies and Gastroscopies
Global Fee Benefit
Oncology Extender Benefit
Oncology “New-Tech” Benefit
Oncology Gap Benefit for Breast Reconstruction Surgery
Maternity Follow-Up Consultations
Private Ward Benefit
From R380/m
ALL SUPER COVER PLUS BENEFITS PLUS
Emergency Medical Services (ambulance)
From R620/m
ALL SUPER COVER PLUS BENEFITS WITH
HIGHER LIMIT AMOUNTS.
From R620/m
*SUBJECT TO AN AGGREGATE ANNUAL LIMIT OF R210 580 PER INSURED PERSON
This limit may be subject to regulatory amendment. Sub-Limits may apply. Refer to the Policy Document for full details of limitations and exclusions.
Terms and Conditions apply. This product comparison does not constitute advice. Consult your intermediary for guidance in choosing the product that is right for your needs. Prescribed Minimum Benefits (PMB’s) are covered. Errors and Omissions Excepted. A full list of 2024 terms and conditions can be viewed here.
With TRA, signing up for Gap Cover is a breeze. In just 5 minutes, you can secure comprehensive coverage that fills the gaps in your medical aid shortfalls.
Not sure if you need Gap Cover?
Just tell us about yourself and your medical aid, and we’ll let you know if it’s important for you. Here, we make finding the right gap cover easy. With our simple tools and expert help, you’ll quickly find the perfect policy for your needs.
WE COVER THE GAP BETWEEN WHAT YOUR DOCTOR CHARGES
AND WHAT YOUR MEDICAL AID PAYS.
WE COVER THE GAP BETWEEN WHAT YOUR DOCTOR CHARGES AND WHAT YOUR MEDICAL AID PAYS.
Gap Cover eliminates financial stress in case of hospitalisation by protecting you from medical shortfalls. Never assume that your medical aid will cover 100% of your in-hospital expenses.
Gap Cover covers the gap between your hospital expenses and your medical aid shortfalls.
Gap Cover eliminates financial stress in case of hospitalisation by protecting you from medical shortfalls. Never assume that your medical aid will cover 100% of your in-hospital expenses.
Gap Cover covers the gap between your hospital expenses and your medical aid shortfalls.
At TRA, we use the Net Promoter Score (NPS) to understand how likely you are to recommend us. We simply ask: “Would you recommend TRA to a friend or colleague?” Your answer helps us gauge your satisfaction and identify areas for improvement.
Gap Cover is an affordable health insurance policy that gives you and your family peace of mind when you need it most.
Gap Cover is becoming a necessity in South Africa as doctors and medical aids continue to increase their rates exponentially each year.
Gap Cover is not a medical aid plan but has helped hundreds of South Africans avoid financial debt. You can visit our Hellopeter page to find out how our policyholders feel about our service and Gap Cover products.
Gap cover insurance is essential for covering shortfalls after medical treatments like surgeries or hospital stays where the specialist’s fees are higher than what your medical aid covers. Once your medical aid has processed and paid their portion of the bill, you can claim the remaining amount from your gap cover provider, according to the terms of your policy.
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