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Maternity Gap Cover: Pre and Post-Labour Considerations.

Maternity gap cover

Having access to quality medical care is essential, even more so during pregnancy when leading up to the birth of your bundle of joy. Preparing for labour is critical to ensuring the health and well-being of both expectant mothers and their unborn children come first. However, the cost of such services can be a burden for many individuals and families.

Whilst not everything can be covered by a medical aid scheme or gap cover, having financial assistance along the way for certain shortfalls can make all the difference. Understanding this from the get-go, Total Risk Administrators offers the innovative solution of gap cover to ensure both mom and baby are covered. We proudly provide maternity gap cover to ensure various shortfalls during hospitalisation related to labour are accounted for and covered.


TRA Maternity Gap Cover

Total Risk Administrators continues to be a leading provider of innovative gap cover solutions in South Africa, recognising the need for affordable, comprehensive coverage. TRA Gap Cover is designed to bridge the financial gap between medical aid scheme benefits and the actual cost of medical expenses needed.

By offering supplementary coverage to work alongside a medical aid scheme, TRA ensures that expectant mothers can access the necessary in-hospital services without fearing exorbitant out-of-pocket expenses. This allows your budget to meet your needs in receiving the required healthcare when needed most.

General Waiting Period

There is no general three (3) month waiting period with TRA. A 10-month condition-specific waiting period commences from the join date of the gap cover policy. No claims may be submitted within the first ten months of membership for any gap cover policy if they relate to pregnancy and childbirth (including caesarean delivery).

Gap Cover That Has Your Back

TRA gap cover makes deciding which gap cover to go for an easy choice. Offering our valued clients the peace of mind of knowing their health is in good hands, we make sure you come first every time.

Hospitalisation Coverage

TRA Gap Cover covers a range of shortfalls that can occur during labour. Depending on the type of gap cover in place, these benefits can range; however, mom and baby are put first every time.

Maternity Private Ward Benefit

TRA covers the shortfall between the General Ward Rate and the Private Ward Rate for hospitalisation for childbirth where admission to a Private Ward occurred. Members under the Absolute Cover Plus package have a benefit limited to a maximum of R1 000 per day for a total of 3 consecutive days.

This hospitalisation coverage ensures that expectant mothers can access the care required during and after a healthy birth.

Financial Relief

It is assumed that a certain amount of costs come into play with a standard birth, let alone one that might be more high-risk. With this comes the many financial strains associated with even the most basic coverage when having a baby. Alleviating part of the many financial burdens that can come into play, TRA Gap Cover allows expectant mothers to focus on their well-being and health during labour without the added stress of high medical expenses.

Ease of Use

Eliminating the complexities and confusion often associated with medical coverage, TRA Gap Cover is easy to understand and navigate. The claims process is streamlined, minimising the administrative burden for expectant mothers. With efficient reimbursements and straightforward documentation, TRA ensures a hassle-free experience when accessing maternity coverage as it is required.

Flexible Options

Being a trusted gap cover provider, TRA continues to understand that every family and individual has unique needs. With this in mind, we aim to provide a range of gap cover plans to cater to a variety of budgets and different requirements. Expectant mothers can choose a plan that best suits their circumstances and ensures optimal coverage for them and their baby on the way.

The Significance of Having Maternity Gap Cover

While working through the motions of pregnancy, the excitement of expecting your beautiful baby can get overshadowed by the financial strain that can come with it. The various costs that come with the required hospitalisation procedures during your baby’s birth an rack up rather quickly, and this is where TRA gap cover steps in.

Understanding the importance of gap cover while pregnant makes all the difference, and TRA is here to guide you along this exciting life milestone. Naturally, this differs from woman to woman while pregnant, depending on the circumstances of the pregnancy and various unique factors coming into play. TRA Gap Cover aims to assist expectant mothers with a smooth birth and labour journey whilst bridging the financial gap to ensure optimal infant and maternal health.

Your Provider of Choice

Access to financial assistance from the onset of labour is crucial for the well-being of expectant mothers and the babies they carry. Gap cover is here to help ensure that the shortfalls that may occur along the way of welcoming your beautiful baby are accounted for and covered. With the medical costs that your medical aid does not fully cover adding financial strain, TRA is here to help alleviate it as much as possible.

TRA Gap Cover can also offer added peace of mind in ensuring that you and your baby are financially protected in the case of unforeseen circumstances coming into play while under hospitalisation. Therefore, it is highly recommended that you consider taking out gap cover while pregnant to ensure a stress-free birth and aftermath. It must be noted that as TRA, we have a 10-month waiting period in place that is specific to pregnancy.

TRA is here to help ensure the smoothest experience when bringing your baby into the world. To explore all your options with TRA or to learn more, discover more on our website. To get maternity gap cover, contact us today, and we will gladly assist you.

Note: All material on this website is provided for your information only and may not be construed as medical advice or instruction. No action or inaction should be taken based solely on the contents of this information; instead, readers should consult appropriate health professionals on and matter relating to their health and well-being. The information and opinions expressed here are believed to be accurate, based on the best judgement available to the authors, and readers who fail to consult with appropriate health authorities assume the risk of any injuries. Errors and Omissions Excepted. Terms and Conditions Apply.


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