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 are a member of a registered medical aid. Unfortunately, this is not the case. Medical aid schemes have tariff rates, which means they cap certain procedures at a

In general, we all aim to ensure that our health, and that of our loved ones, is looked after. However, the past few years have shown that there are no guarantees regarding healthcare costs or medical cover. For many South African families, unexpected medical expenses can quickly become a financial burden without the right safety net. This is where gap cover comes in. Gap cover insurance covers the in-hospital shortfalls

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