28 October 2026 · News, TRA News, The Inside TRAQ Podcast
The Inside TRAQ: Is Water Just Water?
Water is water, whether it comes from a tap or a bottle. What isn’t the same is the experience. Gap cover works much the same way.
Read More →Total Risk Administrators
Reliable Gap Cover
Reliable
Gap Cover
starting from
R99p/m
Who are we?
Welcome to Total Risk Administrators (Pty) Ltd (TRA), where your peace of mind is our priority. Since 1999, we’ve been providing expertly crafted insurance solutions. TRA is an authorised financial services provider – FSP No 40815. We are underwritten by Auto&General Insurance Company Limited, a licensed non-life Insurer and Financial Services Provider.
Our specialist team, rich in insurance, clinical, and healthcare administration expertise, is here to ensure that everything is smoothly covered.
With TRA, you’re in safe hands!
Easy
Claims Process
Fast
Claims Payout
Professional
Service
Affordable
Premiums
We prioritise Treating Customers Fairly (TCF) and pride ourselves on delivering transparent, beneficial, and cost-efficient products. What sets us apart is our commitment to providing a stress-free experience, with unmatched claims turnaround times and a dedication to constant improvement.
WE PROVIDE HEALTHCARE INSURANCE SOLUTIONS FOR OUR CLIENTS
Our Products
Female Cancer Cover
A lump sum payout for the
diagnosis of certain cancers
diagnosis of certain cancers
A lump sum payout for the diagnosis of certain cancers
TRA Assist
Powered by MobiMed
We go beyond just providing coverage with TRA Assist.
TRA has partnered with MobiMed to provide a mobile app which has exciting services available to all Gap Cover and Female Cancer Cover policyholders, irrespective of option choice.
- Home Drive & Uber
- Panic Button & Roadguard
- Mobile Claim Submissions
- Medical Health & Trauma Counselling Line
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.
What are our customers saying?
VIEW MORE ON
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
21 October 2026 · News, TRA News, Gap Cover
TRA: Cover is regulated. Experience is not.
Cover is regulated. Experience is not. Discover how TRA Gap Cover delivers reliable protection, exceptional service and innovative benefits.
Read More →
14 October 2026 · News, TRA News
Is gap cover worth it?
Is gap cover worth it? We say yes. Avoid medical debt with TRA’s affordable plans, up to 700% cover, fast claims & no general waiting period.
Read More →