Policyholders need to understand that having medical aid does not guarantee that your insurer will cover all of your medical bills. Sometimes, you may need to pay an extra amount, which is known as a shortfall. In such situations, if the medical treatment is included, a gap cover policy in addition to your medical aid is beneficial. It is important to remember that Gap Cover policies still have exclusions detailed

Travelling is an exciting adventure for many South Africans, whether for business or leisure. However, with the thrill of exploring new destinations comes uncertainty and risk. Travel insurance and travel insurance benefits play a crucial role in this regard, providing a safety net for unforeseen circumstances. TRA’s International Travel Insurance Benefit With Hepstar This is an outline of Total Risk Administrators’ Travel Benefit included in our TRA Gap Cover. Gap

Medical gap cover is not a medical insurance plan but a supplementary health insurance policy. It acts as a financial safety net, bridging the difference, or “gap,” between what your medical aid scheme pays for and the fees charged by private medical professionals should they be above your scheme’s allocated amount. This cover for unexpected medical expenses provides additional financial protection and peace of mind beyond your standard medical aid