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

Young family sitting on the couch smiling
Basic Cover 300
Our Entry Level Product
Young family sitting on the couch smiling

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

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Vital Cover Plus
Our 2nd entry level product
Young family sitting on the couch smiling

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

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
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

Young family sitting on the couch smiling
Absolute Cover Plus
Our flagship product
Young family sitting on the couch smiling

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

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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.

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.

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.
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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).
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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
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

Unpacking Gap Cover Service Providers: TRA and Turnberry Gap Cover

In this article, we will unpack the gap cover offerings of Total Risk Administrators (TRA) and Turnberry Gap Cover. We

13 October 2024News, TRA News

Unpacking Gap Cover Providers: TRA and Sanlam Gap Cover

This article will unpack the medical gap cover insurance offerings from two prominent providers: Total Risk Administrators (TRA) Gap Cover

Read More
16 September 2024News, TRA News

Unpacking Gap Cover Service Providers: TRA and Netcare Gap Cover

Gap cover essentially helps to cover the shortfalls between what your medical aid pays and the actual costs of medical

Read More
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