If you’re a medical aid member in South Africa seeking comprehensive protection against medical shortfalls, TRA’s Super Cover Plus is designed to provide mid-range gap cover with extensive benefits for its policyholders.
Some of these benefits include casualty cover, co-payment cover, and sub-limit cover, as well as a separate Oncology benefit that provides Oncology Gap cover, Oncology co-payment cover, and Oncology extender cover.
What Is Super Cover Plus?
Super Cover Plus is TRA’s mid-range gap cover policy. It 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 extensive treatments.
Gap Cover is not a substitute for medical aid, but a comprehensive supplement for existing medical aid members.
Benefits & Features (Updated 2025)
- Covers up to 700% of medical scheme tariff for in-hospital shortfalls (aggregate annual limit: R219,845 per insured person per annum)
- Casualty cover: Emergency visits to casualty units, up to R13,650 per policy per annum (including children under 8 for after-hours treatment)
- Comprehensive oncology benefits: Gap cover, co-payments, extender, and new-tech benefits
- In-network co-payments: Up to R63,000 per policy per annum for diagnostic and endoscopic procedures
- Out-of-network co-payments: 1 co-payment per policy per annum up to R5,250
- Enhanced sub-limit protection: Internal prostheses, MRI/CT/PET scans, colonoscopies, and gastroscopies
- Global fee benefit: Coverage for robotic surgery and specialised procedures up to R12,600 per policy per annum
- Private ward benefit: Up to R525 per day for three consecutive days
- Accidental death cover: R21,000 for main member/spouse, R8,400 for dependants
- Policy extender: Pays gap cover premiums for 12 months after main policyholder’s death
- Medical aid contribution waiver: Up to R5,775 per month for 6 months
- Specialist consultation shortfalls: Up to 3 consultations per policy per annum (R500 per consult)
- Maternity follow-up consultations: Up to R700 per consultation per policy per annum
- Access to TRA Assist: Home Drive (Uber), Panic Button, Medical Health & Trauma Counselling, Roadside Security Assistance
Comprehensive Oncology Benefits
- Oncology gap benefit: Up to R219,845 per insured person per annum for approved treatment plans
- Breast reconstruction surgery: Up to R18,900 per beneficiary per life of policy
- Oncology co-payment (in-network): Up to R63,000 per policy per annum
- Oncology co-payment (out-of-network): 1 co-payment per policy per annum up to R5,250
- Oncology extender benefit: Up to R36,750 per policy per annum (NEW for 2025)
- Oncology new-tech benefit: Coverage for Keytruda®, Xalkori®, Tagrisso®, Yervoy®, Zelboraf®, Imbruvica® – up to R8,610 per policy per annum (NEW for 2025)
Waiting Periods & Limits
- No general waiting period – TRA does not apply a standard 3-month waiting period
- Specific waiting periods: 10 months for specific conditions/procedures e.g. joint replacement, pregnancy etc.; 9 months Oncology; 6 months for pre-existing conditions
- Aggregate annual limit: R219,845 per insured person per annum
- Sub-limits apply to specific procedures and benefits (see official policy documents for details)
Who Qualifies for Super Cover Plus?
- Members of registered medical aid schemes (not health insurance or primary care products)
- No entry age limit; different premiums apply for those over/under 65
- Cover extends to spouse and dependants who are on the same medical scheme (except for married/proven common law partners)
What’s Not Covered
- Routine GP visits
- Cosmetic procedures (non-medical)
- Out-of-hospital dental treatments (unless accident-related)
- Mental health disorders
- Anything not partially paid by medical aid
Always check the official 2025 TRA brochure for full details and exclusions.
Why Choose TRA’s Super Cover Plus To Complement Your Medical Aid?
- Comprehensive gap cover for medical aid members with extensive benefits
- Mid-range protection against medical aid shortfalls and hospital expenses
- Enhanced oncology coverage, including new-tech treatments and extender benefits
- Trusted gap cover provider with a reputation for supporting South African families
- Complete protection for loved ones, with accidental death and extended policy benefits
- Travel insurance for policyholders up to the age of 71 is included at no additional cost
- Advanced mobile app, TRA Assist, with comprehensive assistance services
See how TRA pairs perfectly with your medical aid here: gapcovertool.co.za
How to Apply
Applying for Super Cover Plus 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.
Sign Up For Gap Cover You Can Count On With TRA
TRA’s Super Cover Plus is the comprehensive and reliable choice for medical aid members seeking complete protection against rising healthcare costs.
For only R380 per month, you get generous annual limits, extensive oncology coverage, and practical features, including travel insurance. It’s the smart way to protect your family from financial strain and medical expense shortfalls.
For further information, contact your intermediary or visit the TRA Gap Cover page.
