Medical Gap Cover: The Pros And Cons To Keep In Mind

It’s no secret that private healthcare is becoming increasingly expensive for the average South African. With many medical scheme plans failing to provide full coverage for healthcare costs, harder decisions need to be made that can compromise finances or health. As medical aid contributions continue to rise, medical aid members are looking for ways to protect themselves from unexpected medical expenses without breaking the bank. In efforts to keep monthly

18 February 2026

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

Many South Africans are unaware of what medical gap cover is or why it’s essential. A common misconception is that medical aid covers 100% of in-hospital procedures, but this isn’t true. Medical aids only pay up to a set tariff rate, leaving you responsible for any shortfall when doctors charge above this amount. These gaps can add up to thousands of rands. With rising healthcare costs, gap cover from Total

26 January 2026

A list of benefits our policy holders recieve - 2025 update

A List of TRA’s Gap Cover Benefits

Medical aid schemes often leave a gap (known as medical shortfalls) between what the medical aid pays and the actual cost of the treatments. This gap can arise from in-hospital procedures, which are capped at a medical aid tariff (the amount the medical aid covers) or co-payments imposed by your medical aid. Gap cover is a health insurance product designed to bridge this gap, ensuring you, or your family, are

26 January 2026