Gap Cover Policies for South Africans - Total Risk Administrators

Gap Cover
Policies

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%

Fast Claim
Payouts

Easy Claims
Process

Excellent
Service

Out-of-hospital
Benefits

Affordable Prices
From R99 p/m

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
Casualty Cover
Oncology Gap
Policy Extender
Accidental Death Cover
TRA Assist Powered by MobiMed

From R99/m

Basic Cover 300

Our Entry Level Product

STANDARD BENEFITS
Gap Cover
Casualty Cover
Oncology Gap
Policy Extender
Accidental Death Cover
TRA Assist Powered by MobiMed

From R99/m

Compare all products

	Basic Cover 300	Vital Cover Plus	Super Cover Plus	Absolute Cover Plus
Gap Cover Annual Limit R210 580 in aggregate per insured person per annum* (p/a)
Gap Cover Percentage*	300%	700%	700%	700%
PMB's* Covered, subject to medical aid review
CO-PAYMENTS / DEDUCTIBLES* DSP’s (Voluntary use of designated service provider networks)		Up to R13 000* per policy p/a*	Up to R60 000* per policy p/a*	Unlimited*
CO-PAYMENTS / DEDUCTIBLES* NON DSP’s (Voluntary use of non-designated service provider networks)			1 co-payment per policy per annum. Up to R5 000*	2 Co-payments / deductibles per policy per annum to a combined maximum of R16 000*
CO-PAYMENT BENEFIT*: OUT OF HOSPITAL/MRI/CT/PET SCANS			1 MRI / CT / PET scan per policy p/a up to R12 000*	2 scans per policy p/a. Unlimited but subject to the aggregate annual limit per insured person p/a*
SUB-LIMITS*: INTERNAL PROSTHESES		Up to R5 500* per policy p/a	Up to R11 000* per policy p/a	Unlimited Up to R65 000* per event
SUB-LIMITS*: MRI / CT / PET SCAN			1 MRI, CT or PET scan up to R3 600* per scan	2 MRI, CT or PET scan up to R6 000* per scan
SUB-LIMITS*: COLONOSCOPIES AND GASTROSCOPIES			Up to R13 000* per policy per annum Up to R3 600* per event	Up to R22 000* per insured person per annum Up to R6 000* per event
DENTAL BENEFIT* Unlimited but subject to the aggregate annual limit per insured person p/a
CASUALTY UNIT BENEFIT*	Up to R3 300* per policy p/a	Up to R8 800* per policy p/a	Up to R13 000* per policy p/a	Up to R22 000* per policy p/a
GLOBAL FEE BENEFIT*			Up to R12 000* per policy p/a	Up to R24 000* per policy p/a
ONCOLOGY GAP BENEFIT* (Subject to medical aid approved treatment plan being covered up to scheme tariff and within annual scheme oncology limit)	Up to an aggregate of R210 580* per insured person p/a	Up to an aggregate of R210 580* per insured person p/a	Up to an aggregate of R210 580* per insured person p/a	Up to an aggregate of R210 580* per insured person p/a
ONCOLOGY CO-PAYMENT BENEFIT (IN NETWORK)*		Up to R13 000* per policy p/a	Up to R60 000* per policy p/a	Unlimited*
ONCOLOGY CO-PAYMENT BENEFIT* (OUT OF NETWORK)			1 co-payment per policy per annum. Up to R5 000*	2 Co-payments per policy per annum up to a combined limit of R16 000*
ONCOLOGY EXTENDER BENEFIT* (Includes ANY costs above annual scheme oncology limit but subject to scheme covering up to this limit)			Up to R35 000* per policy per annum	Unlimited*
ONCOLOGY “NEW-TECH” BENEFIT*			Up to R8 200* per policy p/a	Up to R16 500* per policy p/a
ONCOLOGY GAP BENEFIT: BREAST RECONSTRUCTION SURGERY*			Up to R18 000* per policy p/a	Up to R35 000* per policy p/a
MEDICAL AID CONTRIBUTION WAIVER Provides cover towards a policyholder's medical aid contribution in the case of the accidental death of the main policyholder. Cover is limited to the lower of the actual medical aid contribution or the maximum amount allowed.		6 months. Up to a max of R4 400 per month.	6 months. Up to a max of R5 500 per month.	6 months. Up to a max of R6 600 per month.
MATERNITY PRIVATE WARD BENEFIT*			Limited to a maximum of R5 00* per day, for a total of 3 consecutive days	Limited to a maximum of R2 000* per day, for a total of 3 consecutive days
ACCIDENTAL DEATH Insured / Spouse	R7 000	R10 000	R20 000	R30 000
ACCIDENTAL DEATH Dependant	R4 000	R5 500	R8 000	R20 000
POLICY EXTENDER (Additional 12 month gap cover premiums covered upon accidental death of policyholder)
TRAVEL BENEFIT Benefits include but are not limited to:
Emergency Medical and Related expenses : R600 000. Excess R500
COVID-19 Extension: Emergency inpatient or outpatient treatment due to COVID-19 R600 000.
Medical evacuation, repatriation or transportation to a medical centre - FULL COST covered when arranged by Hepstar.
Hospital Cash benefit R500 per day (max R3 000).
Inconvenience Cover: Baggage Cover: R5 000 for theft, damage or loss by travel supplier.
TRA ASSIST POWERED BY MobiMed Home Drive (including Uber), Panic Button, Medical Health Line, Trauma Counselling Line (includes a COVID-19 CARE LINE) and Claims Submissions.
Monthly Premiums: Under 65's (Based on the age of the oldest Beneficiary) premium per policy per month.		R 300	R 330	R 590
Premium per Individual per policy per month	R 99
Premium per Family per policy per month	R 180
Over 65's (Based on the age of the oldest Beneficiary) premium per policy per month.	R 360	R 450	R 490	R 730

Vital Cover Plus

Our 2nd entry level product

ALL BASIC COVER BENEFITS PLUS
In Network Co-Payment Cover
Sub-Limit Cover

From R300/m

Vital Cover Plus

Our 2nd entry level product

ALL BASIC COVER BENEFITS PLUS
In Network Co-Payment Cover
Sub-Limit Cover

From R300/m

Compare all products

	Basic Cover 300	Vital Cover Plus	Super Cover Plus	Absolute Cover Plus
Gap Cover Annual Limit R210 580 in aggregate per insured person per annum* (p/a)
Gap Cover Percentage*	300%	700%	700%	700%
PMB's* Covered, subject to medical aid review
CO-PAYMENTS / DEDUCTIBLES* DSP’s (Voluntary use of designated service provider networks)		Up to R13 000* per policy p/a*	Up to R60 000* per policy p/a*	Unlimited*
CO-PAYMENTS / DEDUCTIBLES* NON DSP’s (Voluntary use of non-designated service provider networks)			1 co-payment per policy per annum. Up to R5 000*	2 Co-payments / deductibles per policy per annum to a combined maximum of R16 000*
CO-PAYMENT BENEFIT*: OUT OF HOSPITAL/MRI/CT/PET SCANS			1 MRI / CT / PET scan per policy p/a up to R12 000*	2 scans per policy p/a. Unlimited but subject to the aggregate annual limit per insured person p/a*
SUB-LIMITS*: INTERNAL PROSTHESES		Up to R5 500* per policy p/a	Up to R11 000* per policy p/a	Unlimited Up to R65 000* per event
SUB-LIMITS*: MRI / CT / PET SCAN			1 MRI, CT or PET scan up to R3 600* per scan	2 MRI, CT or PET scan up to R6 000* per scan
SUB-LIMITS*: COLONOSCOPIES AND GASTROSCOPIES			Up to R13 000* per policy per annum Up to R3 600* per event	Up to R22 000* per insured person per annum Up to R6 000* per event
DENTAL BENEFIT* Unlimited but subject to the aggregate annual limit per insured person p/a
CASUALTY UNIT BENEFIT*	Up to R3 300* per policy p/a	Up to R8 800* per policy p/a	Up to R13 000* per policy p/a	Up to R22 000* per policy p/a
GLOBAL FEE BENEFIT*			Up to R12 000* per policy p/a	Up to R24 000* per policy p/a
ONCOLOGY GAP BENEFIT* (Subject to medical aid approved treatment plan being covered up to scheme tariff and within annual scheme oncology limit)	Up to an aggregate of R210 580* per insured person p/a	Up to an aggregate of R210 580* per insured person p/a	Up to an aggregate of R210 580* per insured person p/a	Up to an aggregate of R210 580* per insured person p/a
ONCOLOGY CO-PAYMENT BENEFIT (IN NETWORK)*		Up to R13 000* per policy p/a	Up to R60 000* per policy p/a	Unlimited*
ONCOLOGY CO-PAYMENT BENEFIT* (OUT OF NETWORK)			1 co-payment per policy per annum. Up to R5 000*	2 Co-payments per policy per annum up to a combined limit of R16 000*
ONCOLOGY EXTENDER BENEFIT* (Includes ANY costs above annual scheme oncology limit but subject to scheme covering up to this limit)			Up to R35 000* per policy per annum	Unlimited*
ONCOLOGY “NEW-TECH” BENEFIT*			Up to R8 200* per policy p/a	Up to R16 500* per policy p/a
ONCOLOGY GAP BENEFIT: BREAST RECONSTRUCTION SURGERY*			Up to R18 000* per policy p/a	Up to R35 000* per policy p/a
MEDICAL AID CONTRIBUTION WAIVER Provides cover towards a policyholder's medical aid contribution in the case of the accidental death of the main policyholder. Cover is limited to the lower of the actual medical aid contribution or the maximum amount allowed.		6 months. Up to a max of R4 400 per month.	6 months. Up to a max of R5 500 per month.	6 months. Up to a max of R6 600 per month.
MATERNITY PRIVATE WARD BENEFIT*			Limited to a maximum of R5 00* per day, for a total of 3 consecutive days	Limited to a maximum of R2 000* per day, for a total of 3 consecutive days
ACCIDENTAL DEATH Insured / Spouse	R7 000	R10 000	R20 000	R30 000
ACCIDENTAL DEATH Dependant	R4 000	R5 500	R8 000	R20 000
POLICY EXTENDER (Additional 12 month gap cover premiums covered upon accidental death of policyholder)
TRAVEL BENEFIT Benefits include but are not limited to:
Emergency Medical and Related expenses : R600 000. Excess R500
COVID-19 Extension: Emergency inpatient or outpatient treatment due to COVID-19 R600 000.
Medical evacuation, repatriation or transportation to a medical centre - FULL COST covered when arranged by Hepstar.
Hospital Cash benefit R500 per day (max R3 000).
Inconvenience Cover: Baggage Cover: R5 000 for theft, damage or loss by travel supplier.
TRA ASSIST POWERED BY MobiMed Home Drive (including Uber), Panic Button, Medical Health Line, Trauma Counselling Line (includes a COVID-19 CARE LINE) and Claims Submissions.
Monthly Premiums: Under 65's (Based on the age of the oldest Beneficiary) premium per policy per month.		R 300	R 330	R 590
Premium per Individual per policy per month	R 99
Premium per Family per policy per month	R 180
Over 65's (Based on the age of the oldest Beneficiary) premium per policy per month.	R 360	R 450	R 490	R 730

Super Cover Plus

Our mid-range product

ALL VITAL COVER BENEFITS PLUS
Global Fee Benefit
Breast Reconstruction Surgery Benefit
Co-Payment: Out Of Hospital MRI/CT/PET Scans
Out of Network Co-Payment Cover
Oncology “New Tech” Benefit
Oncology Extender Benefits
Maternity Private Ward Benefit

From R330/m

Super Cover Plus

Our mid-range product

ALL VITAL COVER BENEFITS PLUS
Global Fee Benefit
Breast Reconstruction Surgery Benefit
Co-Payment: Out Of Hospital MRI/CT/PET Scans (2023)
Out of Network Co-Payment Cover
Oncology “New Tech” Benefit
Oncology Extender Benefits
Maternity Private Ward Benefit

From R330/m

COMPARE ALL PRODUCTS

	Basic Cover 300	Vital Cover Plus	Super Cover Plus	Absolute Cover Plus
Gap Cover Annual Limit R210 580 in aggregate per insured person per annum* (p/a)
Gap Cover Percentage*	300%	700%	700%	700%
PMB's* Covered, subject to medical aid review
CO-PAYMENTS / DEDUCTIBLES* DSP’s (Voluntary use of designated service provider networks)		Up to R13 000* per policy p/a*	Up to R60 000* per policy p/a*	Unlimited*
CO-PAYMENTS / DEDUCTIBLES* NON DSP’s (Voluntary use of non-designated service provider networks)			1 co-payment per policy per annum. Up to R5 000*	2 Co-payments / deductibles per policy per annum to a combined maximum of R16 000*
CO-PAYMENT BENEFIT*: OUT OF HOSPITAL/MRI/CT/PET SCANS			1 MRI / CT / PET scan per policy p/a up to R12 000*	2 scans per policy p/a. Unlimited but subject to the aggregate annual limit per insured person p/a*
SUB-LIMITS*: INTERNAL PROSTHESES		Up to R5 500* per policy p/a	Up to R11 000* per policy p/a	Unlimited Up to R65 000* per event
SUB-LIMITS*: MRI / CT / PET SCAN			1 MRI, CT or PET scan up to R3 600* per scan	2 MRI, CT or PET scan up to R6 000* per scan
SUB-LIMITS*: COLONOSCOPIES AND GASTROSCOPIES			Up to R13 000* per policy per annum Up to R3 600* per event	Up to R22 000* per insured person per annum Up to R6 000* per event
DENTAL BENEFIT* Unlimited but subject to the aggregate annual limit per insured person p/a
CASUALTY UNIT BENEFIT*	Up to R3 300* per policy p/a	Up to R8 800* per policy p/a	Up to R13 000* per policy p/a	Up to R22 000* per policy p/a
GLOBAL FEE BENEFIT*			Up to R12 000* per policy p/a	Up to R24 000* per policy p/a
ONCOLOGY GAP BENEFIT* (Subject to medical aid approved treatment plan being covered up to scheme tariff and within annual scheme oncology limit)	Up to an aggregate of R210 580* per insured person p/a	Up to an aggregate of R210 580* per insured person p/a	Up to an aggregate of R210 580* per insured person p/a	Up to an aggregate of R210 580* per insured person p/a
ONCOLOGY CO-PAYMENT BENEFIT (IN NETWORK)*		Up to R13 000* per policy p/a	Up to R60 000* per policy p/a	Unlimited*
ONCOLOGY CO-PAYMENT BENEFIT* (OUT OF NETWORK)			1 co-payment per policy per annum. Up to R5 000*	2 Co-payments per policy per annum up to a combined limit of R16 000*
ONCOLOGY EXTENDER BENEFIT* (Includes ANY costs above annual scheme oncology limit but subject to scheme covering up to this limit)			Up to R35 000* per policy per annum	Unlimited*
ONCOLOGY “NEW-TECH” BENEFIT*			Up to R8 200* per policy p/a	Up to R16 500* per policy p/a
ONCOLOGY GAP BENEFIT: BREAST RECONSTRUCTION SURGERY*			Up to R18 000* per policy p/a	Up to R35 000* per policy p/a
MEDICAL AID CONTRIBUTION WAIVER Provides cover towards a policyholder's medical aid contribution in the case of the accidental death of the main policyholder. Cover is limited to the lower of the actual medical aid contribution or the maximum amount allowed.		6 months. Up to a max of R4 400 per month.	6 months. Up to a max of R5 500 per month.	6 months. Up to a max of R6 600 per month.
MATERNITY PRIVATE WARD BENEFIT*			Limited to a maximum of R5 00* per day, for a total of 3 consecutive days	Limited to a maximum of R2 000* per day, for a total of 3 consecutive days
ACCIDENTAL DEATH Insured / Spouse	R7 000	R10 000	R20 000	R30 000
ACCIDENTAL DEATH Dependant	R4 000	R5 500	R8 000	R20 000
POLICY EXTENDER (Additional 12 month gap cover premiums covered upon accidental death of policyholder)
TRAVEL BENEFIT Benefits include but are not limited to:
Emergency Medical and Related expenses : R600 000. Excess R500
COVID-19 Extension: Emergency inpatient or outpatient treatment due to COVID-19 R600 000.
Medical evacuation, repatriation or transportation to a medical centre - FULL COST covered when arranged by Hepstar.
Hospital Cash benefit R500 per day (max R3 000).
Inconvenience Cover: Baggage Cover: R5 000 for theft, damage or loss by travel supplier.
TRA ASSIST POWERED BY MobiMed Home Drive (including Uber), Panic Button, Medical Health Line, Trauma Counselling Line (includes a COVID-19 CARE LINE) and Claims Submissions.
Monthly Premiums: Under 65's (Based on the age of the oldest Beneficiary) premium per policy per month.		R 300	R 330	R 590
Premium per Individual per policy per month	R 99
Premium per Family per policy per month	R 180
Over 65's (Based on the age of the oldest Beneficiary) premium per policy per month.	R 360	R 450	R 490	R 730

Absolute Cover Plus

Our flagship product

ALL SUPER COVER PLUS BENEFITS WITH
HIGHER LIMIT AMOUNTS.

From R590/m

Absolute Cover Plus

Our flagship product

ALL SUPER COVER PLUS BENEFITS WITH
HIGHER LIMIT AMOUNTS.

From R590/m

Compare all products

	Basic Cover 300	Vital Cover Plus	Super Cover Plus	Absolute Cover Plus
Gap Cover Annual Limit R210 580 in aggregate per insured person per annum* (p/a)
Gap Cover Percentage*	300%	700%	700%	700%
PMB's* Covered, subject to medical aid review
CO-PAYMENTS / DEDUCTIBLES* DSP’s (Voluntary use of designated service provider networks)		Up to R13 000* per policy p/a*	Up to R60 000* per policy p/a*	Unlimited*
CO-PAYMENTS / DEDUCTIBLES* NON DSP’s (Voluntary use of non-designated service provider networks)			1 co-payment per policy per annum. Up to R5 000*	2 Co-payments / deductibles per policy per annum to a combined maximum of R16 000*
CO-PAYMENT BENEFIT*: OUT OF HOSPITAL/MRI/CT/PET SCANS			1 MRI / CT / PET scan per policy p/a up to R12 000*	2 scans per policy p/a. Unlimited but subject to the aggregate annual limit per insured person p/a*
SUB-LIMITS*: INTERNAL PROSTHESES		Up to R5 500* per policy p/a	Up to R11 000* per policy p/a	Unlimited Up to R65 000* per event
SUB-LIMITS*: MRI / CT / PET SCAN			1 MRI, CT or PET scan up to R3 600* per scan	2 MRI, CT or PET scan up to R6 000* per scan
SUB-LIMITS*: COLONOSCOPIES AND GASTROSCOPIES			Up to R13 000* per policy per annum Up to R3 600* per event	Up to R22 000* per insured person per annum Up to R6 000* per event
DENTAL BENEFIT* Unlimited but subject to the aggregate annual limit per insured person p/a
CASUALTY UNIT BENEFIT*	Up to R3 300* per policy p/a	Up to R8 800* per policy p/a	Up to R13 000* per policy p/a	Up to R22 000* per policy p/a
GLOBAL FEE BENEFIT*			Up to R12 000* per policy p/a	Up to R24 000* per policy p/a
ONCOLOGY GAP BENEFIT* (Subject to medical aid approved treatment plan being covered up to scheme tariff and within annual scheme oncology limit)	Up to an aggregate of R210 580* per insured person p/a	Up to an aggregate of R210 580* per insured person p/a	Up to an aggregate of R210 580* per insured person p/a	Up to an aggregate of R210 580* per insured person p/a
ONCOLOGY CO-PAYMENT BENEFIT (IN NETWORK)*		Up to R13 000* per policy p/a	Up to R60 000* per policy p/a	Unlimited*
ONCOLOGY CO-PAYMENT BENEFIT* (OUT OF NETWORK)			1 co-payment per policy per annum. Up to R5 000*	2 Co-payments per policy per annum up to a combined limit of R16 000*
ONCOLOGY EXTENDER BENEFIT* (Includes ANY costs above annual scheme oncology limit but subject to scheme covering up to this limit)			Up to R35 000* per policy per annum	Unlimited*
ONCOLOGY “NEW-TECH” BENEFIT*			Up to R8 200* per policy p/a	Up to R16 500* per policy p/a
ONCOLOGY GAP BENEFIT: BREAST RECONSTRUCTION SURGERY*			Up to R18 000* per policy p/a	Up to R35 000* per policy p/a
MEDICAL AID CONTRIBUTION WAIVER Provides cover towards a policyholder's medical aid contribution in the case of the accidental death of the main policyholder. Cover is limited to the lower of the actual medical aid contribution or the maximum amount allowed.		6 months. Up to a max of R4 400 per month.	6 months. Up to a max of R5 500 per month.	6 months. Up to a max of R6 600 per month.
MATERNITY PRIVATE WARD BENEFIT*			Limited to a maximum of R5 00* per day, for a total of 3 consecutive days	Limited to a maximum of R2 000* per day, for a total of 3 consecutive days
ACCIDENTAL DEATH Insured / Spouse	R7 000	R10 000	R20 000	R30 000
ACCIDENTAL DEATH Dependant	R4 000	R5 500	R8 000	R20 000
POLICY EXTENDER (Additional 12 month gap cover premiums covered upon accidental death of policyholder)
TRAVEL BENEFIT Benefits include but are not limited to:
Emergency Medical and Related expenses : R600 000. Excess R500
COVID-19 Extension: Emergency inpatient or outpatient treatment due to COVID-19 R600 000.
Medical evacuation, repatriation or transportation to a medical centre - FULL COST covered when arranged by Hepstar.
Hospital Cash benefit R500 per day (max R3 000).
Inconvenience Cover: Baggage Cover: R5 000 for theft, damage or loss by travel supplier.
TRA ASSIST POWERED BY MobiMed Home Drive (including Uber), Panic Button, Medical Health Line, Trauma Counselling Line (includes a COVID-19 CARE LINE) and Claims Submissions.
Monthly Premiums: Under 65's (Based on the age of the oldest Beneficiary) premium per policy per month.		R 300	R 330	R 590
Premium per Individual per policy per month	R 99
Premium per Family per policy per month	R 180
Over 65's (Based on the age of the oldest Beneficiary) premium per policy per month.	R 360	R 450	R 490	R 730

*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.

Gap Cover Tool

www.gapcovertool.co.za

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.

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.

Click Here for more information.

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.

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).

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

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.

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.

OUR LATEST NEWS

13 October 2024News, TRA News

Our Entry Level Product

Our Entry Level Product

Our 2nd entry level product

Our 2nd entry level product

Our mid-range product

Our mid-range product

Our flagship product

Our flagship product

Unpacking Gap Cover Service Providers: TRA and Turnberry Gap Cover

Unpacking Gap Cover Providers: TRA and Sanlam Gap Cover

Unpacking Gap Cover Service Providers: TRA and Netcare Gap Cover

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