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Gap cover is a short-term insurance product designed to cover the financial shortfall between what your medical aid pays and the actual costs charged by private healthcare providers. In South Africa, medical aid schemes often reimburse healthcare services at a predetermined rate, known as the medical scheme tariff (MST). However, specialists and hospitals may charge […]
Most people picture one thing when they hear “medical aid”: a comprehensive plan with all the bells and whistles you hardly use. However, what people don’t often realise is that an entry-level hospital plan can still be a type of medical aid, registered and regulated under the same Medical Schemes Act just as any comprehensive […]
Are you aware of the annual aggregate limit for your medical aid or gap cover provider and how it can affect you and your family? Terms used in insurance can often be complicated and overwhelming. However, medical aid members need to understand what these terms mean and how they affect their medical scheme and short-term […]
TRA’s Female Cancer Cover runs across three plan levels. Grand pays R50 000 on confirmed diagnosis, Supreme pays R100 000, and Ultimate pays R150 000. The difference between them is the size of that payout and the premium attached to it. These plans were previously sold as Femme 50 and Femme 100. Those names were […]
Yes. As a foreigner planning to live in South Africa for a longer period, you can join a medical aid scheme, provided you hold a valid passport, a current work, study, or residence visa, and have a South African bank account to pay your premiums. The benefits you receive are the same as those available […]
Some things just work better when they’re together; medical aid and gap cover are no exception. With medical treatment and specialist costs as high as they are, regardless of your medical aid scheme, there is often a shortfall in covering the full costs charged by healthcare providers. Without the perfect gap cover policy to pair […]
Taking out medical gap cover can prove life-saving, especially when you are admitted to a hospital and risk incurring shortfall costs. Medical aid scheme rules and regulations can be exasperating and frustrating to follow. Why do our medical aid benefits run out when we need them the most? And why do medical aids cover some […]
Yes, you can get gap cover with no waiting period in South Africa, but only if you transfer from another gap cover provider with similar benefits. TRA waives all standard waiting periods under this 90-day transfer rule, provided you apply within 90 days of cancelling your previous policy and submit a membership certificate as proof. […]
You qualify for gap cover in South Africa when you are a registered member of a medical aid scheme. Gap cover sits alongside your medical aid and pays the in-hospital shortfalls that arise when specialists charge more than the scheme’s tariff. You can extend the policy to your spouse and dependants who share your medical […]
Dis-chem Gap Cover and TRA Gap Cover are two of South Africa’s main gap insurance providers, but their plans differ on cover ceilings and on the number of plans each offers. Dischem covers up to 600% above scheme tariff across two plans (Base and Summit). TRA covers up to 700% across four plans, starting at […]
Absolute Cover Plus is TRA’s premium gap cover offering that works hand in hand with your registered medical aid scheme. It covers the difference between what your medical aid pays and what healthcare providers charge for in-hospital procedures, specialist consultations, and authorised cancer treatment. This gap cover product includes the most comprehensive set of benefits […]
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 […]
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. Vital Cover Plus adds in-network co-payment cover, sub-limit cover for internal prostheses, and an oncology co-payment benefit on top of TRA’s core gap […]
If you are a medical aid member in South Africa, consider TRA’s Basic Cover 300, 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 from R99 per month for an individual and R197 per month […]
As Josh Billings once said, “Health is like money. We never have a true idea of its value until we lose it.” For South Africans navigating rising medical costs, gap cover short-term insurance is an important consideration for anyone who values their health and financial security. What is Gap Cover? Gap cover is a type […]
Balancing the demands of life can often feel overwhelming. We find ourselves juggling many aspects of daily life, and at times, our health can fall victim to this aftermath. While physical health has long enjoyed the spotlight, mental health is gaining the recognition it deserves as an integral component of overall wellness. Total Risk Administrators […]
Gap cover is not just a nice to have. It should be an essential gap cover insurance product that should be a part of your medical aid plan. Gap cover companies aim to help you in instances where there is a shortfall between what a service provider will charge and what your medical aid scheme […]
It’s no secret that private healthcare is becoming increasingly expensive for the average South African. With many medical scheme plans failing to provide full coverage for healthcare costs, harder decisions need to be made that can compromise finances or health. As medical aid contributions continue to rise, medical aid members are looking for ways to […]
Many South Africans are unaware of what medical gap cover is or why it’s essential. A common misconception is that medical aid covers 100% of in-hospital procedures, but this isn’t true. Medical aids only pay up to a set tariff rate, leaving you responsible for any shortfall when doctors charge above this amount. These gaps […]
Medical aid schemes often leave a gap (known as medical shortfalls) between what the medical aid pays and the actual cost of the treatments. This gap can arise from in-hospital procedures, which are capped at a medical aid tariff (the amount the medical aid covers) or co-payments imposed by your medical aid. Gap cover is […]
Understand the importance of sleep and how your sleep quality can affect your well-being. Watch TRA’s podcast episodes to find out more!
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Gap cover can shield you from unexpected medical expenses, discover the 5 reasons you need gap cover in South Africa.
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Gap cover pays the difference between what your medical aid covers and what specialists charge. TRA answers the question “What is Gap Cover?”
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