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

If you ask several people if they know what gap cover is, many might have a general idea, but often, there is a misconception surrounding how it works. One common misconception is that you’re 100% covered for all in-hospital costs if you have a medical aid. Unfortunately, this is not the case. Medical aid schemes have tariff rates, which means they cap certain procedures at a specific amount they will

Dental treatment can be costly. Even with comprehensive medical aid plans, often you’ll find that not all expenses associated with dental treatments are covered. This is where gap cover becomes essential, bridging the gap between what your medical aid pays and the actual costs of the procedures, in this case, what your dental practitioners charge. Total Risk Administrators (TRA) offers a Dental Cover Benefit as part of all our gap