Travel INSURANCE
Benefit

Travel Insurance Benefit

All TRA Gap Cover policyholders, under the age of 71, have access to the benefit of comprehensive travel insurance, the cost of which is covered by TRA, provided that you remain a TRA Gap Cover policyholder and ensure that premium payments thereunder are up to date. The said travel insurance is underwritten by Guardrisk Insurance Company Limited, a licensed non-life insurer, and administered by Hepstar Financial Services (Pty) Ltd, both being registered Financial Services Providers.

Benefits include but are not limited to:

Coverage:

Emergency Medical and Related Expenses

R1 000 000

Medical Evacuation, Repatriation or Transportation to a Medical Centre

Actual expense covered when arranged
by Hepstar Financial Services.

Personal Accident Cover: Death

R25 000

Personal Accident Cover: Permanent Disability

Up to R25 000

Theft or Accidental Damage During Trip

R5 000 (Single item limit: R1 500)

Theft, Damage or Loss by Airline

R5 000 (Single item limit: R1 500)

Baggage Delay (more than 4 hours)

R500

Baggage Delay (more than 24 hours)

R1 000

Click HERE for full details.

Should you plan to travel and have any enquiries about the cover or wish to request the documentation confirming cover, please contact
Hepstar Financial Services (Pty) Ltd on +27 (0)86 144 4548 or email info@hepstar.com.

Should you plan to travel and have any enquiries about the cover or wish to request the documentation confirming cover, please contact Hepstar Financial Services (Pty) Ltd on +27 (0)86 144 4548 or email info@hepstar.com.

Top-Up Travel Insurance

Exciting news! You also qualify to buy a top-up plan by clicking HERE to
increase your medical and baggage related cover, as well as add cover for trip
cancellation, pre-existing medical conditions, missed connections and more.

Exciting news! You also qualify to buy a top-up plan by clicking HERE to increase your medical and baggage related cover, as well as add cover for trip cancellation, pre-existing medical conditions, missed connections and more.

eSIM Services

If you are a TRA policyholder, and you need eSIM services, you have access to a unique link which will take you to the SIMTEX website – there, you will
Click “Get your eSIM” to purchase your eSIM and data. Your 20% discount will be applied upon checkout! Easy as that. To get your unique link, refer to
your year-end email communications from TRA, or contact membership@totalrisksa.co.za.

If you are a TRA policyholder, and you need eSIM services, you have access to a unique link which will take you to the SIMTEX website – there, you will Click “Get your eSIM” to purchase your eSIM and data. Your 20% discount will be applied upon checkout! Easy as that. To get your unique link, refer to your year-end email communications from TRA, or contact membership@totalrisksa.co.za.

FREQUENTLY ASKED QUESTIONS
What is Gap Cover?

Gap Cover is an insurance policy that covers the difference between
what your medical aid pays and what service providers charge for
in-hospital expenses.

Gap Cover is an insurance policy that covers the difference between what your medical aid pays and what service providers charge for in-hospital expenses.

OUR LATEST NEWS
25 July 2025Uncategorized

Adulting Done Right: Securing Insurance Cover for Young Professionals

Welcome to "adulting", where starting your career is an exciting milestone filled with possibilities, but it is also when you

23 July 2025Gap Cover, News, TRA News

The Perfect Gap Cover For (Any) Medical Aid

Some things just work better when they're together; medical aid and gap cover are no exception. With medical treatment and

Read More
22 July 2025Gap Cover, Health Insurance, News, TRA News

What Is The Annual Aggregate Limit & Why Has It Increased?

Are you aware of the annual aggregate limit for your medical aid or gap cover provider and how it can

Read More
Whatsapp
Open Popup