total risk administrators (TRA) logo

What is our Basic Cover 300 product?

What is our Basic Cover 300 product?

Basic Cover 300 is TRA’s entry level Gap Cover product, which provides: Gap Cover, Casualty cover and a separate Oncology Gap Cover benefit . The Basic Gap (Gap Cover), Casualty and Oncology Gap benefits are subject to the aggregate annual limit of R158 000 per insured person per annum. (This limit is changing to R165 000 per insured person per annum for the year 2020).

Basic Cover/Gap Cover
The Basic Cover 300 option covers up to 300% above medical aid scheme tariff, which means that if your service provider charges anything up to 3 times what your medical aid will cover for in-hospital expenses, TRA will provide for this gap, subject to the annual limit.

Casualty Cover
No one can predict an emergency situation but there are situations where you or a friend or family member has to be rushed to casualty due to an accident. Your medical aid does not always cover the total costs in full. Whether payment comes from your medical scheme savings account or day-to-day benefit, the gap can be covered (this benefit covers up to R2750 per policy per annum).

Oncology Gap Benefit
The Oncology Gap Benefit (Up to an aggregate of R158 000 per insured person per annum- or R165 000 per insured person per annum for the year 2020):
This is when a shortfall arises after your medical aid has processed your account and is due to service providers charging above scheme tariff for medical aid approved oncology treatment plans (NB: Subject to: the Gap Cover percentage; and medical aid approved treatment plan being covered up to scheme tariff and within the annual scheme oncology limit).

Additional Benefits:

Accidental Death Cover
Accidents happen! Unfortunately, some severe accidents may even result in death. The situation is made worse if that person was the main breadwinner. Costs can run into the thousands and often funds are tied up to an estate.The Accidental Death benefit will provide an amount of R3 000 in the event of death of the insured and / or spouse, and R1 500 in the event of the death of a dependant, caused by violent, accidental, external, or visible means.

Policy Extender
This benefit will provide for your Gap Cover premiums for a period of 6 months after the death of the original policyholder.

TRA Assist Mobile app
TRA also provides all Gap Cover policyholders with TRA Assist, which is powered by ER24 ASSIST. The benefits include a Home Drive service (which now includes access to Uber trips), a Panic Button and a Medical Health and Trauma Counselling Line.

To find out more information about TRA’s Gap Cover product options, contact your intermediary (who could give you advice on which Gap Cover product option to choose) or go to our Gap Cover Page here.

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.

OUR LATEST NEWS

27 May 2024News, TRA News

Gap Cover FAQs by Total Risk Administrators

Welcome to TRA's Gap Cover FAQ Article. Here, we have compiled comprehensive answers to some of the most commonly asked

23 May 2024News, TRA News

2024 TRA / BIS Under-13 Soccer Tournament Finals

WOW!! 17th May 2024!! What an awesome finals day at the North End Stadium, East London. The standard of football

Read More
26 April 2024News, TRA News

TRA BIS Soccer Tournament

TRA, in conjunction with Border Icons in Sport (BIS) are sponsoring an Under 13 Primary Schools Soccer Tournament to be

Read More