Total Risk Administrators
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Medical aid premiums in South Africa continue to rise year on year, with 2026 increases ranging from 5% to over 10% depending on the scheme. But here’s what many members don’t realise: higher premiums don’t automatically mean better protection. In fact, as schemes manage costs internally, the gap between what they pay and what specialists […]
Changing your medical aid plan is a big decision, and many South Africans face it at some point for various reasons, including seeking more comprehensive benefits, balancing their budget, or finding a plan that better suits their family’s healthcare needs. But here’s a question that often gets overlooked: what happens to your gap cover when […]
Having a baby is one of the most exciting and important times in a woman’s life. It can also be one of the most expensive. When one of our TRA policyholders gave birth to her son earlier this year, the total medical bill came to over R90,000. Her medical aid paid just over half. That […]
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 […]
Understanding medical aid tariffs and what “above-tariff” means is crucial for every medical aid member in South Africa. Medical aid tariff refers to the predetermined rates that medical aid schemes pay for specific medical procedures and treatments. When specialists charge above these tariff rates, members face unexpected medical bills unless they have gap cover protection […]
For South Africans over 65, securing and building an insurance portfolio is essential to protecting your health, finances, and loved ones. Retirees must make informed decisions about the types of cover that best suit their later life. These include health insurance, life insurance, funeral cover, and critical illness cover. It is advisable to start building […]
Welcome to “adulting”, where starting your career is an exciting milestone filled with possibilities, but it is also when you are introduced to some very real financial pressures. While you’re focused on building your career, building an insurance portfolio should also be a top priority to ensure you’re financially protected should life take an unexpected […]
Some things go hand in hand, like a violin and its bow. The same could be said of BestMed Medical Aid and TRA Gap Cover. When paired together, a medical aid scheme and gap cover policy can provide more complete financial protection for your healthcare needs, helping you avoid unexpected shortfalls – music to your […]
Medical aid without gap cover? It’s like a stamp without ink; the stamp needs ink to make a mark. The same goes for Momentum Medical Aid and TRA Gap Cover. Together, these two could ensure your healthcare journey is protected against costly shortfalls that arise during in-hospital procedures or specialist treatments. Even with Momentum’s wide […]
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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