Like most people, you have a medical aid to give you peace of mind that if you need medical care for any reason at all, whether it be through accident or illness, your medical bills will be covered. After all, who needs to add financial worry to the stress of being hospitalised?

Again, like most people, you probably assume that if you have a medical aid, then you’re 100% covered. Unfortunately, this is not always true, which is why you need gap cover to assist you, for if you receive a huge bill. This bill occurs when there is a shortfall between what the doctors charge and what your medical aid will pay for in-hospital procedures.


All of TRA’s gap cover policies:

> Provide benefits for members and their dependants (spouse and/or child/children up to the age of 25 years only) who are covered on one policy of a registered medical aid scheme. Members and their dependents can only be on two different medical aids and one Gap Cover Policy if they are legally married, or common law partners verified by submission of an affidavit confirming 12 months of cohabitation.

> Have no entry age limit.

> May also allow for immediate benefits for all policyholders, except for a limited list of specific conditions and/or procedures. There is no general 3 month waiting period!

> Cover Prescribed Minimum Benefits (PMB’s) where a medical aid has failed to meet its obligations in this regard (Subject to medical aid review and for non emergencies only).

> Are subject to the aggregate gap cover annual limit of R165 000 per insured person per annum. (This limit may change due to regulatory amendment).

All of the 2020 Gap Cover product options also offer the following TRA ASSIST (powered by ER24 ASSIST) benefits: Home Drive (now includes Uber- Uber Black and Uber Van can be accessed too), a Panic Button and a Medical Health and Trauma Counselling Line. You can also do claims submissions via the mobile app. NB: Refer to the policy document for the complete list of terms and conditions.


To find out more information about TRA’s Gap Cover product options suitable for you and your families needs, visit our website HERE or contact your intermediary.

Gap Cover is not a medical aid scheme, and is not the same as a medical aid scheme. The cover is not a substitute for a medical scheme membership.

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 any matter relating to their health and well-being. The information and opinions expressed here are believed to be accurate, based on the best judgment 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.