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 not left out of pocket for essential medical care.
Each TRA Gap Cover plan is subject to an annual aggregate limit— this is the maximum amount a Gap Cover plan can pay out per insured person per annum. In addition to our Gap Cover products, TRA offers complementary benefits with our plans not subject to this limit.
TRA Gap Cover Plans and Benefits
Signing up for a TRA Gap Cover plan comes with several benefits:
1. Accidental Death Cover:
You can receive a lump sum payout in case of the accidental death of the main policyholder or dependent in the family.
- Insured/Spouse: Up to R31,500.
- Dependants: Up to R21,000.
Please note that the payout amount for this is subject to your plan.
For more information, download our 2025 Brochure
2. Policy Extender:
With this benefit, TRA covers the full gap cover premium for all plans for 12 months in the event of the main policyholder’s accidental death.
For more information, download our 2025 Brochure
3. Medical Aid Contribution Waiver:
TRA can assist with your medical aid contributions for six months, covering up to R6,930 monthly for specified plans.
Please note that this benefit is not available to Basic Cover 300 policyholders.
For more information, download our 2025 Brochure
4. TRA Assist (Powered by MobiMed):
Home Drive: Six trips per policy per year, ensuring safe travel within a 50km radius.
Panic Button: 24/7 crisis management and roadside assistance.
Medical and Trauma Counselling Line: Unlimited access to qualified nurses for advice and support.
Claims Submission: Submit claims effortlessly via a mobile app.
For more information, download our 2025 Brochure
5. Travel Benefit:
Comprehensive travel insurance for policyholders under 71 years of age, including:
- Emergency medical expenses up to R1,000,000.
- Medical evacuation and repatriation.
- Coverage for theft, damage, or airline-related loss up to R5,000.
- Compensation for baggage delays exceeding 4 or 24 hours.
For more information, download our 2025 Brochure
Other Gap Cover Benefits
TRA gap cover plans range from Basic Cover 300 and Vital Cover Plus to Super Cover Plus and Absolute Cover Plus – all differing with what they include, offer and cover in terms of their benefits.
Additional Gap Cover Benefits (subject to your plan):
- Prescribed minimum benefits.
- Co-payment benefits (in-network, out-of-network or out-of-hospital scans).
- Sub-limit benefits (internal prostheses, MRI/CT/PET scans, colonoscopies and gastroscopies.
- Dental benefit for authorised trauma and oncology dental hospitalisation.
- Global fee benefit.
- Oncology gap benefit.
- Oncology co-payment benefit (in-network or out-of-network).
New Benefits for 2025 (subject to your plan):
- Shortfalls from Specialist Consultations.
- Casualty Follow-Up Consultations.
- Maternity Follow-Up Consultations.
- Private Ward Benefits.
For more information on what your plan offers, download our 2025 Brochure
TRA Gap Cover Plans & Benefits
TRA’s Gap Cover products offer various levels of coverage and access to benefits at affordable premiums:
1. Basic Cover 300
Covers in-hospital shortfalls up to 300% of the medical aid scheme tariff.
- Includes casualty cover and a separate oncology gap benefit.
- From R99 per month (individual) or R180 per month (families).
2. Vital Cover Plus
Covers up to 700% above the medical aid scheme tariff.
- Includes gap cover, casualty cover, co-payment cover, sub-limit cover, and oncology gap/co-payment benefits.
- From R360 per month (individuals and families).
3. Super Cover Plus
Covers up to 700% above the medical aid scheme tariff.
- Provides extensive gap, casualty, co-payment, sub-limit, and oncology coverage.
- From R380 per month (individuals and families).
4. Absolute Cover Plus
Covers up to 700% above the medical aid scheme tariff.
- Unlimited oncology extender cover along with other extensive benefits.
- From R620 per month (individuals and families).
For more information, download our 2025 Brochure
A Closer Look at How Gap Cover Works
When your medical aid pays only a portion of your medical bills for authorised in-hospital procedures or certain out-of-hospital treatments, gap cover steps in to settle the remaining shortfall. Unlike a substitute for medical scheme membership, gap cover works alongside your registered medical aid scheme to protect you from unexpected expenses.
Whether it’s covering sub-limits, specialist consultations, or co-payments, gap cover ensures you’re not left with a significant medical bill you will need to pay out of your pocket.
Why Choose TRA?
With no entry age limit, limited waiting periods, fast claims processing, and a variety of plans to suit different budgets, TRA Gap Cover stands out as one of the best Gap Cover providers in South Africa, trusted to protect your health and financial well-being. TRA ensures that unforeseen medical expenses are covered.
Offering gap cover plans at competitive rates, we aim to make gap cover accessible to a wide range of individuals across South Africa. We understand that a member’s medical aid can be a substantial expense. By paying this additional premium (at a relatively affordable rate), you can gain access to substantial financial protection against potential medical cost shortfalls.
Going the exTRA mile for our clients
Beyond having you covered, our extensive benefits add additional cover in other areas of your life, from getting you home safely to having your back when you travel abroad.
Explore our range of products and find the one that fits your needs.
Download our 2025 Gap Cover Brochure to learn more.
