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A necessity for every South African medical aid holder – Medical Gap Cover

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When asking a number of people whether they know what TRA Gap Cover is or what it entails, much to your surprise, responses may vary from having a general idea to having no clue at all. Now more than ever, it is especially critical to ensure that you and your family are covered through your medial gap insurance in the event of an emergency. This is where Total Risk Administrators comes in by offering tailor-made products to suit your medical needs!

There is a common misconception that you do not require a Gap Cover plan if you have a medical aid in place and that you will be 100% covered for all of your in-hospital costs. This however is an unfortunate myth told by many.

What is Gap Cover?

In its literal sense, Gap Cover is a health insurance policy to pay for the ‘gap’ or medical expense shortfall between the rates charged by private healthcare providers and what your medical aid scheme will cover for in-hospital expenses.

Depending on which policy type you choose, Gap Cover may cover all or part of the difference between the amount your medical scheme agrees to pay, and the full rates charged by the medical facility. Accordingly, Gap Cover plans are not standalone insurance policies but rather serve as supplementary insurance intended to augment your existing medical aid.

Gap Cover can make up the shortfall on payments for treatments related to several critical illnesses including cancer, renal problems, strokes, comas and heart attacks.

Total Risk Administrators understands the necessity of added peace of mind when being hospitalised and have tailored four premium product options that won’t break the bank:

Since its inception in 1999, Total Risk Administrators has had a long-lasting belief that heightened service delivery, through experience and premeditated product design, has led to ongoing support for its Gap Cover products. This concise definition of TRA’s purpose has been entrenched through their staff’s professionalism and values, where they are able to enhance the stakeholder’s Gap Cover experience.

Guided by level-headed but ambitious managerial staff, TRA aim to provide the most equitable Gap Cover product offering to all of their stakeholders – striving to give the policyholder a voice to engage with and create the ultimate customer experience throughout the relationship.

Even with excellent medical aid, you are likely to find yourself having to fill the gap which could potentially amount to thousands of rand.

Don’t add financial worry to the stress of being hospitalised. Rest assured; the gap is covered with Total Risk Administrators!

For more information or questions regarding Gap Cover, visit or contact one of their helpful specialists and brokers here.

Medical Gap Cover

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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