Total Risk Administrators
Health Insurance
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 […]
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 […]
Gap cover for Discovery medical aid pays the in-hospital shortfalls your medical aid does not. When a specialist charges 300% of the Discovery Health Rate but your plan only pays 200%, you cover the difference out of pocket. TRA gap cover could settle that gap for authorised in-hospital procedures, up to 700% of scheme tariff. […]
It’s a scenario playing out across South Africa every day: You’re diligent with your medical aid payments. You go in for a necessary procedure. Everything gets approved. Then comes the gut punch: a bill for R20,000 that your medical aid won’t cover. That begs the question: How is this possible with comprehensive medical aid? Well, […]
Medical aids and medical schemes in South Africa don’t cover the full cost of healthcare. The gap between what medical aid pays and what healthcare providers charge creates significant financial risk for employees. Corporate gap cover bridges this gap, protecting your workforce from unexpected medical costs and debt. What Is Corporate Gap Cover? Corporate gap […]
Copyright: Consumer research conducted by BrandMapp on behalf of Total Risk Administrators (TRA), 2025. “With only 19% of medically insured South Africans currently having gap cover, there are literally millions of families who could benefit from this protection but haven’t yet recognised the need.” When you’re lying in a hospital bed recovering from surgery, the […]
Paying R5000 or more a month for medical aid should mean you’re covered for almost anything. But the reality is, even top-tier medical aid plans in South Africa don’t cover the total medical bill. Thousands of South Africans pay R5,000 or more every month for medical aid. Many feel that a premium medical aid scheme […]
As your family grows, so does your need for comprehensive insurance protection that has you covered on all fronts. Families without proper cover often find themselves facing unexpected financial strain that can impact their quality of life for years to come. The reality is, a serious illness or unexpected death in the family can result […]
You Could Be Missing Out On Thousands of Rands Every Year! Did you know that SARS provides significant tax relief through medical tax credits that can reduce your regular tax liability by thousands of rands annually? Understanding how these medical fees tax credits work and how to maximise them is crucial for any professional serious […]
Some things just work better together, like a needle and thread or a lock and key. The same could be true for Medshield Medical Aid and TRA Gap Cover. When combined, medical aid and gap cover can work to ensure your healthcare cover is complete, with no expensive gaps left behind. If you’re on Medshield […]
Changing medical aids in South Africa requires careful planning and understanding of the policies governing medical schemes. Whether you’re looking for better cover for medical expenses, lower costs, or a scheme with more comprehensive benefits, it is important to consider the implications of a change. Considerations Before You Make a Change When Can You Switch […]
TRA has partnered with MobiMed to bring you the TRA Assist App, designed to provide exciting and essential services to all TRA Gap Cover and Female Cancer Cover policyholders, regardless of the option chosen. TRA Assist App Powered by MobiMed When you sign up for this app, add as much information as possible under your […]
Total Risk Administrators (TRA) is committed to offering comprehensive gap cover for various out-of-hospital procedures. The following article expands on the outpatient support highlighted in the TRA Out-of-Hospital Procedure List for 2024. TRA’s Enhanced Outpatient Coverage Our out-of-hospital policy guarantees that patients receive essential financial assistance for medical treatments outside the hospital. Please note that […]
As a trusted gap cover provider across South Africa, TRA continues to stand out as a reliable industry expert, helping individuals and families bridge the financial gaps left by traditional medical aid schemes. Understanding how to navigate the claims process with TRA is paramount to ensure you get the best experience with us and every […]
With pregnancy and the birth of your child, you undergo many life-changing experiences that maternity brings with it. This time can also come with a lot of financial stress and medical aid claims as you account for a new little human. Without the right structures in place, managing your finances while you are pregnant can […]
The South African private healthcare sector is world-renowned for its effectiveness and professionalism. This, however, does not come cheap. South Africans have felt the cost of medical aid in their pockets for years, and private healthcare costs are only increasing. Medical aids can’t always afford to cover everything – this is where gap cover comes […]
Knowing what to pack in your hospital bag can be difficult for an expecting mom, especially if this is your first hospital delivery. Before packing at all, you need to prepare emotionally and financially for this life-changing event. Get your medical aid and gap cover insurance in place before pregnancy to avoid lengthy waiting periods. […]
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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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