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Unpacking Gap Cover Service Providers: Zestlife Gap Cover

Gap Cover Options

TRA and Zestlife Gap Cover

Gap service providers are crucial in bridging the financial shortfalls that health insurance may not fully cover. In this article, we will examine two leading gap service providers, Total Risk Administrators (TRA) and Zestlife, highlighting their monthly premiums, coverage, and key benefits.

Gap Cover

Gap services are medical insurance plans that cover the difference between what your medical aid pays and the actual cost of the medical expense.

These services are essential for avoiding unexpected out-of-pocket expenses and ensuring comprehensive financial protection during medical emergencies and in-hospital treatments.

Side By Side: Gap Cover Providers

Zestlife: Overview and Features

Company Background

  • Zestlife is known for catering particularly to younger individuals and providing robust gap coverage options.

Monthly Premium 

  • From R239 for individuals under 35 years.
  • R372 to R548 for individuals over 35 years.
  • Universal Gap option from R506 to R770.

Coverage Above Tariff

  • Up to 500%.

Key Benefits

  • Covers individuals for various medical shortfalls and specific conditions.
  • No maximum entry or expiry age.
  • Automatic adult dependent cover.
  • There is no general waiting period at the start date of the cover.
  • High levels of cover for in-hospital and over 50 out-of-hospital procedures.
  • Co-payment covers hospital admissions and scans.
  • High levels of oncology/cancer coverage.
  • Cover for pre- and post-surgery specialist consultations.
  • Cover while travelling outside of South Africa.
  • Low exclusions.
  • Fast and efficient claim settlement

TRA: Overview and Features

Company Background

  • Total Risk Administrators (TRA) is a well-known gap service provider with a strong reputation for offering comprehensive coverage options.

Monthly Premium

  • Starting at R99 per month.

Coverage Above Tariff

  • Up to 700%.

Key Benefits

  • Casualty
  • Co-payments
  • Sub-limits
  • Oncology conver
  • Certain dental procedures
  • Global fee benefit
  • Maternity private ward rate shortfalls
  • Travel benefits with Hepstar Travel
  • Add on options for funeral and female cancer cover
  • TRA Assist Mobile App

For more detailed information, visit the official websites of both service providers. 

Get To Know Your Gap Cover

Do you have coverage and benefits?

TRA: Offers up to 700% coverage above the tariff, making it ideal for those seeking extensive coverage for a wide range of medical expenses, including casualty and co-payments.

Zestlife: Provides up to 500% coverage above the tariff, focusing on specific medical shortfalls and conditions, particularly for individuals under 35.

Will there be a cost-to-value ratio?

TRA: More affordable with premiums starting at R99, offering extensive benefits.

Zestlife: Higher premiums, from R239 to R548, but with specialised cover for different age groups.

Do you have an idea of the overall customer service?

TRA: Known for excellent customer service and a comprehensive support system, including TRA Assist. TRA is often praised for its broader coverage options. TRAis ranked the top gap cover provider on Hellopeter – which is all based on customer reviews and experience.

Zestlife: Positive reviews on customer support, particularly appreciated by younger customers. Zestlife is valued for its tailored approach.

Is there flexibility and customisation of your Gap Cover?

TRA: Offers a wide range of benefits that can cater to various medical needs.

Zestlife: Provides plans tailored to age-specific requirements, especially beneficial for those under 35.

Are there any additional perks you can make use of?

TRA: Travel benefits and TRA Assist mobile app are notable additional perks.

Zestlife: Focus on specific conditions and tailored plans for younger demographics.

For more detailed information, visit the official websites of both service providers. 

Let’s Sum It Up

Total Risk Administrators (TRA) is a leading provider of gap cover in South Africa. They offer comprehensive plans designed to protect you and your family.

TRA is well-regarded for its integrity and efficiency and has ranked #1 in the gap cover provider category on Hellopeter, reflecting its exceptional customer service and commitment to client satisfaction. Its policies provide extensive benefits, ensuring financial support for a wide range of medical expenses. Clients consistently praise TRA for its fast, efficient service, reliable claims processing, and ease of accessing its services.

With friendly, customer-focused staff, TRA delivers a seamless and supportive experience, making them the preferred choice for gap cover.

TRA’s Take

When choosing a gap service provider, consider your specific medical needs, age, and budget.

Review the benefits and coverage details carefully to ensure you select the provider that best meets your requirements.

Get a quote from TRA – our team is on stand-by and eagerly await your enquiry.

Note: All material on this website is provided for your information only and may not be construed as medical advice or instruction. No action or inaction should be taken based solely on the contents of this information; instead, readers should consult appropriate health professionals on and matter relating to their health and well-being. The information and opinions expressed here are believed to be accurate, based on the best judgement available to the authors, and readers who fail to consult with appropriate health authorities assume the risk of any injuries. Errors and Omissions Excepted. Terms and Conditions Apply.

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