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Many consumers feel that a premium medical aid scheme covers it all, but specialists are more commonly charging above medical aid tariff rates, making shortfalls almost inevitable, regardless of your medical aid plan. That’s why you need Gap Cover.
Why Do We Need Gap Cover??
Episode 8: Why does South Africa have the highest rate of spinal surgery per capita worldwide? Are there non-surgical alternatives? We ask the cutting questions and dig deep to establish the truth. We also look at what TRA is doing in the pain management space and provide a summary of the healthcare funding industry after the latest round of increases for 2026. Our dynamic team will take you through all the topics you want to hear and its interactive. Simply email your questions to askdravron@totalrisksa.co.za and we may include your anonymous questions in future podcasts. Go to www.totalrisksa.co.za for more info. Music Credit: ID 84555217 | Music © Plastic3 | Dreamstime.com. Disclaimer: The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the official policy or position of Total Risk Administrators (Pty) Ltd (“TRA”), its owners or its affiliates. The content shared in this podcast is provided for general information and discussion purposes only. Nothing in this podcast constitutes, or is intended to constitute: financial or product advice; medical advice; or legal advice. Listeners are encouraged to consult directly with a licensed financial advisor, medical professional, or legal practitioner for advice specific to their individual circumstances. TRA disclaims all liability for any loss, injury, or damage arising from reliance on any information contained in this podcast. TRA is an authorised FSP. FSB no 40815.
The Inside TRAQ: Chronic Back Pain: To Cut or Not to Cut!!
Sit Back!, Relax and watch the 2026 TRA Product launch. 2026 details can be found here: https://totalrisksa.co.za/wp-content/uploads/2025/10/TRA_GapCover-2026-Final.pdf TRA Broker page: https://totalrisksa.co.za/brokers/ Social Media and Digital platform links: 1 Gap Cover Advice Tool https://www.hippoadvice.co.za/gaproboadvice2/ 2 TRA Hello Peter page https://www.hellopeter.com/total-risk-administrators 3 TRA Online Chat platform https://chat.socialintents.com/c/totalriskadministrators 4 TRA Online claims submission https://claims.totalrisksa.co.za/online-submission 5 TRA Online application process https://gap.totalrisksa.co.za/application/new 6 Hepstar Travel Insurance top up https://whitelabel.gateway.insure/application/interface/tra-topup/index.html#/ 7 TRA AAL table https://www.totalrisksa.co.za/downloads/TRA-AAL-Table.pdf 8 TRA Twitter page https://twitter.com/TraTotalrisk 9 TRA Facebook page https://www.facebook.com/TotalRiskSA/ 10 TRA Instagram page https://www.instagram.com/totalriskadministrators/ 11 TRA website https://totalrisksa.co.za/ 12 TRA YouTube channel https://www.youtube.com/@travirtualtrainingacademy1324 13 TRA LinkedIn page https://www.linkedin.com/company/tra---total-risk-adminitrators-pty-ltd/mycompany/?viewAsMember=true 14 TRA member/broker portal https://live.totalrisksa.co.za/cgi-bin/wspd_cgi.sh/WService=wsb_traliv/run.w? Disclaimer: The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the official policy or position of Total Risk Administrators (Pty) Ltd (“TRA”), its owners or its affiliates. The content shared in this podcast is provided for general information and discussion purposes only. Nothing in this podcast constitutes, or is intended to constitute: financial or product advice; medical advice; or legal advice. Listeners are encouraged to consult directly with a licensed financial advisor, medical professional, or legal practitioner for advice specific to their individual circumstances. TRA disclaims all liability for any loss, injury, or damage arising from reliance on any information contained in this podcast. TRA is an authorised FSP. FSB no 40815. Music Credit: Song #47481 / Where The Adventure Begins | Credit Tim Halperin / Musicbed.com | License Standard | Term Beginning October 2, 2025 - Perpetual Archival Rights | Territory Worldwide Music Credit: ID 84555217 | Music © Plastic3 | Dreamstime.com.
The Inside TRAQ 2026 TRA PRODUCT LAUNCH - Director's Cut!!
Episode 7: Medicinal Cannabis - Part Two looks at the questions we all want answered: IS CANNABIS A GATEWAY DRUG or EXIT DRUG? WHAT DOSAGE SHOULD BE PRESCRIBED? WHAT IS THE COST? IS IT ADDICTIVE? In our health section we look at medicinal cannabis from a healthcare funding point of view. Our dynamic team will take you through all the topics you want to hear and its interactive. Simply email your questions to askdravron@totalrisksa.co.za and we may include your anonymous questions in future podcasts. Go to www.totalrisksa.co.za for more info. Visit https://introcann.com/ for more information on medicinal cannabis Music Credit: ID 84555217 | Music © Plastic3 | Dreamstime.com. Disclaimer: The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the official policy or position of Total Risk Administrators (Pty) Ltd (“TRA”), its owners or its affiliates. The content shared in this podcast is provided for general information and discussion purposes only. Nothing in this podcast constitutes, or is intended to constitute: financial or product advice; medical advice; or legal advice. Listeners are encouraged to consult directly with a licensed financial advisor, medical professional, or legal practitioner for advice specific to their individual circumstances. TRA disclaims all liability for any loss, injury, or damage arising from reliance on any information contained in this podcast. TRA is an authorised FSP. FSB no 40815.
Medicinal Cannabis: We ask the burning questions!
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FREQUENTLY ASKED QUESTIONS

How Does Gap Cover Work?

Gap cover insurance is essential for covering shortfalls after medical treatments like surgeries or hospital stays where the specialist’s fees are higher than what your medical aid covers. Once your medical aid has processed and paid their portion of the bill, you can claim the remaining amount from your gap cover provider, according to the terms of your policy. 

VIEW ALL FREQUENTLY ASKED GAP COVER QUESTIONS
OUR LATEST NEWS
29 October 2025Gap Cover, Health Insurance, TRA News, Uncategorized

TRA’s Consumer Research: Understanding The Gap Cover Market in South Africa

Copyright: Consumer research conducted by BrandMapp on behalf of Total Risk Administrators (TRA), 2025. “With only 19% of medically insured

29 October 2025Gap Cover, TRA News, Uncategorized

What does above-tariff mean? Medical Aid Tariffs Explained

Understanding medical aid tariffs and what "above-tariff" means is crucial for every medical aid member in South Africa. Medical aid

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20 October 2025News, TRA News

Super Cover Plus: Our Mid-Range Gap Cover Product

If you're a medical aid member in South Africa seeking comprehensive protection against medical shortfalls, TRA's Super Cover Plus is

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Funds the shortfalls on a set of defined out of hospital procedures