Medical aid without gap cover? Just think of a train without tracks – you won’t get far. The same could be true for Bonitas Medical Aid and TRA Gap Cover. Gap cover complements medical aid, especially when facing unexpected hospital costs that fall outside of the medical scheme rates (MSR). Even with the substantial benefits offered by Bonitas medical aid, members may still encounter co-payments or tariff shortfalls when doctors

Medical aid and gap cover go together like flint and steel. The magic happens when they work together. Similar could be true for GEMS Medical Aid members applying for TRA gap cover to help navigate their medical scheme tariffs (MST) and manage their out-of-pocket expenses. While GEMS offers a broad selection of medical aid benefit options, members may still experience shortfalls when a provider charges more than the scheme pays.