Gap Cover:
Basic Cover 300
Our entry level product
Basic Cover 300 is our entry level product which is sufficient in providing for Gap cover, Casualty cover and a separate Oncology Gap cover benefit.
Basic cover 300
Premium Per Policy Per Month:
Individuals
R99 p/m
Families
R165 p/m
Over 65's
R330 p/m
*age of main insured - for families & individuals
The Basic Cover 300 option covers up to 300% above medical aid scheme tariff.
This means that if your service provider charges anything up to 3 times what your medical aid will cover, TRA will provide for this GAP, subject to the annual limit.*
Basic cover 300 - 2021
Premium Per Policy Per Month:
Individuals
R99 p/m
Families
R165 p/m
Over 65's
R330 p/m
*age of main insured - for families & individuals
Basic Cover 300 Benefits
- Your medical aid does not always cover the total costs in full. Whether payment comes from your medical scheme savings account or day-to-day benefit, the gap will be covered, provided it is for an ACCIDENT, and the treatment provided is at a casualty unit linked to a hospital.
- Sometimes the medical aid will not account for anything regarding this casualty visit, leaving you to cover the bill in full. This benefit will cover you for up to R2 750 per policy per annum (subject to the annual limit*) EVEN IF YOUR MEDICAL AID COVERS NOTHING.
- Children under the age of 8 ONLY - May be admitted for any treatment at a casualty unit linked to a hospital between the hours of 7 pm to 7 am from Monday to Friday, from 7 pm on a Friday until 7 am on a Monday, and all day on a public holiday
Sometimes accidents occur and you need to rush to casualty.
- This benefit will provide an amount of R3 000 ( R5 000 as of 2021) in the event of death of the insured and / or spouse, and R1 500 (R2 500 as of 2021 in the event of the death of the dependant, caused by violent, accidental, external, or visible means.
Accidents happen! Unfortunately, some severe accidents may even result in death. The situation is made worse if that person was the main breadwinner. Costs can run into the thousands and often funds are tied up to an estate.
- Benefits: Home Drive, Uber, Panic Button, Medical Health Line, Trauma Counselling Line (including a COVID-19 care line) and Claims Submissions.
- Click here for more information.
Oncology Gap Benefit: Up to an aggregate of R165 000 ( 171 000 as of 2021 ) per insured person per annum. The shortfall that arises after your medical aid has processed your account and is due to service providers charging above scheme tariff for medical aid approved oncology treatment plans (NB: Subject to: the gap cover percentage; and medical aid approved treatment plan being covered up to scheme tariff and within annual scheme oncology limit).
- Oncology Co-Payment: No Benefit
- Oncology Extender Benefit: No Benefit
- Breast Reconstruction Surgery: No Benefit
- Maternity Private Ward Benefit for 2021: No Benefit
- Covid-19 Isolation Hotel Benefit for 2021: No Benefit
- This benefit will provide for your gap cover premiums for a period of 6 (9 as of 2021) months after the death of the original policyholder.
We often hear of cases where one of our policyholders passes away, leaving their loved ones to pick up the pieces. They are left with the challenge to make sure that the gap cover they were used to is funded for a period of time.
*Annual Limit: The Basic Gap, Casualty and Oncology Gap benefits are subject to the aggregate gap cover annual limit 165 000 - (171 000 as of 2021) per insured person per annum. (This limit may change due to regulatory amendment).
A full list of 2020 terms and conditions can be viewed here.
A full list of 2021 terms and conditions can be viewed here.
Gap cover example:
hiatus hernia repair in 2019
Michelle saved R 9086.36. By choosing Basic Cover 300, you can too.
Your medical aid, just like Michelle’s, may not cover 100% of the private rate of the medical practitioner, resulting in a shortfall payment due from you.
Eliminate the financial worry from the stress of a hospital operation or stay.
TERMS AND CONDITIONS APPLY
