Gap Cover for Medshield
Medical Scheme Members

No waiting periods if you join between September 2024 and November 2025

Medshield medical scheme logo

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.

Unique benefits of our gap cover
Cover up to 700%

Cover up to 700%

Fast Claim Payouts

Fast Claim
Payouts

Easy Claims Process

Easy Claims
Process

Excellent Service

Excellent
Service

Out-of-hospital Benefits

Out-of-hospital
Benefits

Affordable Prices From R380 p/m

Affordable Prices
From R99 p/m

Automatic Claim Submission

Automatic Claim
Submission

SOUTH AFRICAN
GAP COVER PRODUCTSby TRA that cover your needs
SOUTH AFRICAN
GAP COVER PRODUCTSby TRA that cover
your needs
Basic Cover 300
Our Entry Level Product

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

Basic Cover 300
Our Entry Level Product

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

Vital Cover Plus
Our 2nd entry level product

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
Vital Cover Plus
Our 2nd entry level product

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

Super Cover Plus
Our mid-range product

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

Young family sitting on the couch smiling
Super Cover Plus
Our mid-range product
Young family sitting on the couch smiling

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

Absolute Cover Plus
Our flagship product

ALL SUPER COVER PLUS BENEFITS PLUS
Emergency Medical Services (ambulance)

From R620/m

Absolute Cover Plus
Our flagship product

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

Sign up in just 5 minutes!
Sign up in just 5 minutes!
Sign up in just 5 minutes!

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.

Gap Cover Tool

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.

basic cover 300 page on mobile phone
DON’T STRESS!

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.

What are our customers saying?
What is the Net Promoter Score?

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.

NPS recommendation - very likely indicator
All of Our Gap
Cover Policies
  • Eliminate financial strain in times of medical emergencies.
  • Provide benefits for your entire family, as long as they are covered on one policy of a registered medical aid scheme.
  • Are subject to terms and conditions.
  • Have no entry age limit.
Young couple with a baby
Young family on the beach
  • Have no general waiting period for many specific procedures. These may include all emergency procedures, tonsillectomies, appendectomies, gall bladder removal, and others not explicitly excluded.
  • Provide immediate gap cover benefits for all policyholders except for a limited list of specific conditions and procedures.
  • May provide immediate gap cover for many procedures, including where a medical aid has failed to meet its full obligation.
  • Cover Prescribed Minimum Benefits (PMBs) where a medical aid has failed to meet its obligations.
  • Are not a substitute for your medical aid scheme membership; it is not a medical scheme.
  • Are subject to the aggregate gap cover annual limit of R210 580 per insured person per annum (subject to amendment).
Happy family camping
Young family in home
  • Offer the following TRA ASSIST benefits: home drive, panic button, and medical and trauma counselling line.
  • Are the only way to protect yourself from medical shortfalls.
  • Include certain pre-defined out-of-hospital shortfall procedures! See here for more information. T’s & C’s apply.

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.

FREQUENTLY ASKED QUESTIONS

How Does Gap Cover Work?

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. 

OUR LATEST NEWS
20 October 2025News, TRA News

Super Cover Plus: Our Mid-Range Gap Cover Product

If you're a medical aid member in South Africa seeking comprehensive protection against medical shortfalls, TRA's Super Cover Plus is

15 October 2025Gap Cover, Health Insurance, TRA News

Paying R5000 for Medical Aid? You Still Need Gap Cover

Paying R5000 or more a month for medical aid should mean you’re covered for almost anything. But the reality is,

Read More
10 October 2025News, TRA News

TRA Vital Cover Plus: Our Second Entry-Level Gap Cover Product

If you're a medical aid member in South Africa looking for protection beyond the basic coverage, TRA's Vital Cover Plus

Read More
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