If you are a medical aid member in South Africa looking for protection beyond basic coverage, TRA’s Vital Cover Plus is designed to provide enhanced entry-level gap cover with essential extra benefits.
If you are 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.
Super Cover Plus sits at TRA’s 700% tariff level, like Vital Cover Plus, but stacks on substantially more on top: higher co-payment cover, out-of-network co-payment cover, MRI/CT/PET scan cover, oncology extender and oncology “new-tech” benefits, a premature birth benefit, maternity follow-up consultations shortfalls, a private ward benefit and the step-down facility benefit.
What Is Super Cover Plus?
Super Cover Plus is TRA’s mid-range gap cover policy, available from R417 per month, for policies where the oldest beneficiary is under 65, and R626 per month for over-65s in 2026.
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. It is a comprehensive supplement for medical aid members.
Benefits & Features (Updated for 2026)
- Above tariff cover: Covers up to 700% of medical scheme tariff for in-hospital shortfalls (subject to the aggregate annual limit of R219 845 per insured person per annum).
- Casualty cover: Visits for accidents to casualty units up to R14 335 per policy per annum (including children under 8 for emergency after-hours treatment)
- Casualty follow-up consultations: 1 follow-up consultation per policy per annum at an ER unit (accident-related only)
- In-network co-payment cover: Up to R66 150 per policy per annum for diagnostic and endoscopic procedures, including procedures performed in the doctor’s rooms but paid from the in-hospital benefit
- Out-of-network co-payment cover: 1 co-payment per policy per annum, up to R5 513
- Co-payment for out-of-hospital MRI/CT/PET scans: 1 scan per policy per annum, up to R13 230
- Sub-limit benefit for internal prostheses: Up to R12 128 per policy per annum
- Sub-limit benefit for MRI/CT/PET scans: 1 scan per policy per annum, up to R3 969
- Sub-limit benefit for colonoscopies and gastroscopies: Up to R14 333 per policy per annum (up to R3 780 per event)
- Global fee benefit: Coverage for shortfalls on robotic and other negotiated global-fee procedures (such as Da Vinci Robotic surgery), up to R13 230 per policy per annum
- Step-down facility benefit: A once-off lump sum of R8 000 per insured person per annum from day 11 onwards for extended stays in a registered step-down or sub-acute care facility following hospitalisation
- Premature birth benefit: A fixed payout of R15 000 per policy per annum when a baby is born before 34 completed weeks of gestation (excludes elective deliveries)
- Maternity follow-up consultations: Up to R735 per consultation per policy per annum for OBGYN or paediatrician shortfalls within 6 weeks after childbirth
- Private ward benefit: Up to R550 per day for 3 consecutive days for both childbirth and non-childbirth admissions
- Tariff shortfalls for theatre and ward fees, consumables, laparoscopic/endoscopic equipment: Up to R3 150 per policy per annum
- Targeted pain relief during surgery or severe trauma: Unlimited, subject to the aggregate annual limit
- Hospitalised psychiatric care: Up to 21 days
- Dental benefit: Cover for authorised in-hospital dental procedures (unlimited, subject to the aggregate annual limit, and subject to strict terms and conditions/limited cover as stipulated in the policy document)
- Specialist consultation shortfalls: Up to 3 consultations per policy per annum (R500 per consult)
- Accidental death cover: R22 000 for main member/spouse, R8 800 for dependants
- Policy extender: Full gap cover premium covered for 12 months after the accidental death of the main policyholder
- Medical aid contribution waiver: Up to R6 060 per month for 6 months, in the case of the accidental death of the main policyholder
- Access to TRA Assist: Home Drive (6 trips per annum, 50km radius), Panic Button, Medical Health and Trauma Counselling Line, Roadside Security Assistance, mobile app for claims submission
- Travel insurance: Comprehensive travel insurance underwritten by Guardrisk Insurance Company Limited is included at no additional cost for policyholders under 71
Comprehensive Oncology Benefits
- Oncology gap benefit: Unlimited cover for shortfalls on medical aid approved oncology treatment plans, subject to the aggregate annual limit
- Oncology co-payment benefit (in-network): Up to R66 150 per policy per annum
- Oncology co-payment benefit (out-of-network): 1 co-payment per policy per annum, up to R5 513
- Oncology extender benefit: Covers approved costs above the medical aid annual oncology limit, up to R38 588 per policy per annum
- Oncology “new-tech” benefit: Covers shortfalls on new technology oncology treatments (Keytruda®, Xalkori®, Tagrisso®, Yervoy®, Zelboraf®, Imbruvica®), up to R9 040 per policy per annum
- Breast reconstruction surgery: Up to R19 845 per beneficiary per life of policy for oncology-related breast reconstruction, including the unaffected breast
Waiting Periods & Limits
- No general three-month waiting period
- 10 months for the specified condition list (joint replacement, pregnancy, oncology and others; full list in our pre-existing conditions article)
- 9 months for a first-time cancer diagnosis made before the policy starts
- 6 months for any other pre-existing condition
- Aggregate annual limit: R219 845 per insured person per annum in 2026
Who Qualifies for Super Cover Plus?
- Members of registered medical aid schemes (not health insurance or primary care products)
- No entry age limit. Premiums are based on the age of the oldest beneficiary
- Cover extends to a spouse and dependants on the same medical scheme, or to a married couple or proven common-law partners on different medical aids (with an affidavit confirming 12 months of cohabitation)
What Is Not Covered on Super Cover Plus?
The few benefits unique to TRA’s top plan, Absolute Cover Plus, are not included on Super Cover Plus. These include unlimited out-of-network co-payment cover, the out-of-network ambulance shortfall benefit, and the higher private ward rate of R2 205 per day. Always check the official 2026 TRA brochure for the complete benefit schedule 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 extender and new-tech treatment benefits
- Co-payment cover for both in-network and out-of-network use, plus MRI/CT/PET scan cover
- Premature birth benefit and maternity follow-up consultations for families planning a child/children in the future
- Step-down facility benefit for extended recovery care after a hospital stay
- Trusted gap cover provider with a reputation for supporting South African families.
- Claim payments run three times a week
- Complete protection for loved ones, with accidental death, policy extender and medical aid contribution waiver benefits
- Travel insurance for policyholders under 71 included at no additional cost
- Advanced mobile app, TRA Assist
See how TRA pairs perfectly with your medical aid at gapcovertool.co.za
Frequently Asked Questions About Super Cover Plus
How much does Super Cover Plus cost in 2026?
R417 per month for policies where the oldest beneficiary is under 65, and R626 per month for over-65 policyholders.
Does Super Cover Plus cover IVF or planned pregnancy?
TRA Gap Cover does not cover any fertility treatments such as IVF. General gap cover, the maternity follow-up consultations benefit, the premature birth benefit, and the private ward benefit supports families during and after pregnancy. Note that any pregnancy-related claim is subject to the ten-month condition-specific waiting period, which is one reason you should talk to your broker/intermediary about taking out gap cover well before planning to start a family.
Does Super Cover Plus cover cancer treatment?
Yes, comprehensively. Super Cover Plus includes the oncology gap benefit, oncology co-payment benefit (in-network and out-of-network), oncology extender benefit, oncology new-tech benefit covering specific medicines including Keytruda, Tagrisso and Imbruvica, and a breast reconstruction surgery benefit. A nine-month waiting period applies to any cancer diagnosis made before the policy started.
Does Super Cover Plus cover MRI or CT scan shortfalls?
Yes. There is a co-payment benefit for out-of-hospital MRI/CT/PET scans (1 scan per year, up to R13 230) and a separate sub-limit benefit for in-hospital MRI/CT/PET scans (1 scan per year, up to R3 969).
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 are still on the right cover for your needs.
