If you’re a medical aid member in South Africa, consider TRA’s Basic Cover 300 which is designed to provide affordable, entry-level gap cover for protection against medical aid shortfalls.
What Is TRA’s Basic Cover 300?
Basic Cover 300 is TRA’s entry-level gap cover policy available at only R99 for individuals and R180 for families.
This gap cover product works alongside your registered medical aid, covering the difference between what your medical aid pays and what private healthcare providers charge for in-hospital procedures, specialist consultations, and certain treatments.
It’s important to note that Gap Cover is not a substitute for medical aid, but rather a supplementary health insurance product for medical aid members.
Benefits & Features (Updated 2025)
- Above tariff cover: Covers up to 300% of medical scheme tariff for in-hospital shortfalls (up to the aggregate annual limit: R219,845 per insured person per annum)
- Casualty cover: Emergency visits to casualty units, up to R3,465 per policy per annum
- Oncology gap benefit: Covers approved oncology treatment shortfalls
- Accidental death cover: R7,350 for main member/spouse, R4,200 for dependants (death by violent, external, or visible means)
- Policy extender: Pays your gap cover premiums for 12 months after main policyholder’s death
- Private ward benefit: Covers private ward fees for up to 3 days per hospital stay (subject to sub-limits)
- Maternity follow-up consultations: Covers postnatal follow-up visits
- Specialist consultation shortfalls: Covers shortfalls for specialist consultations
- Internal prostheses and MRI/CT/PET scans: Covered up to annual limits
- Access to TRA Assist: Home Drive (Uber), Panic Button, Medical Health & Trauma Counselling, Roadside Security Assistance
Waiting Periods & Limits
- No general waiting period (TRA does not apply a standard 3-month waiting period)
- Specific waiting periods: 10 months for joint replacement, pregnancy, oncology; 6 months for pre-existing conditions; 9 months for first-time cancer diagnosis
- Aggregate annual limit: R219,845 per insured person per annum
- Sub-limits apply to certain procedures (see official policy documents for details)
Who Qualifies for Basic Cover 300?
- Members of registered medical aid schemes (not health insurance or primary care products)
- No entry age limit; premiums are higher for those over 65, starting at R360p/m
- Cover extends to spouse and dependants who are on one registered medical aid policy together. Members can be married/proven common law partners on different medical aids.
What’s Not Covered
- Routine GP visits
- Cosmetic procedures
- Out-of-hospital dental treatments
- Mental health disorders
- Anything not partially paid by your medical aid.
Always check the official TRA brochure for full details and exclusions
Why Choose TRA’s Basic Cover 300?
- Affordable gap cover for medical aid members
- Entry-level protection against medical aid shortfalls and hospital expenses
- Comprehensive benefits for in-hospital procedures, oncology gap, and emergency medical care
- Trusted gap cover provider, with a renowned, efficient claims process in South Africa
- Extra protection for loved ones, with accidental death and policy extender benefits
How to Apply
Applying for Basic Cover 300 is simple. One or more members of your family can apply online, and TRA’s team is ready to provide advice and support. Review your medical aid plan and gap cover policy annually to ensure you’re getting the best cover for your needs.
Get Affordable Gap Cover That Has Your Back
Total Risk Administrators (TRA) always puts your health first, which is evident in our short-term insurance policies.
TRA’s Basic Cover 300 is the reliable, affordable choice for medical aid members. From only R99, it makes gap cover and comprehensive health insurance accessible for South Africans.
For further information, contact your intermediary or visit the TRA Gap Cover page to sign up.
