For Employers & Groups

Corporate Gap Cover Solutions

Group gap cover that protects your employees against in-hospital medical aid shortfalls, with group pricing, consolidated billing and dedicated servicing from TRA.

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TRA Corporate Gap Cover Solutions

Smart Protection For Employer Groups And Medical Scheme Clients

At Total Risk Administrators (TRA), we help organisations and brokers protect their people from unexpected out-of-pocket medical expenses, filling the gap between what medical aids pay and what healthcare providers charge.

Our corporate gap cover solutions are ideal for businesses, medical schemes, and professional associations looking to offer added healthcare security and financial peace of mind. With over 90,000 lives currently covered, TRA is trusted by thousands across South Africa.

Why employers choose TRA

Employer team meeting in a modern office

Group pricing

Rates structured for the size and profile of your workforce, quoted per option.

One billing arrangement

A single consolidated monthly invoice with per-member reconciliation.

Dedicated servicing

A named servicing contact for HR, plus onboarding and claims support for staff.

Full digital onboarding

Employees enrol online in about five minutes, with no medical exams.

Included member benefits

Travel insurance and TRA Assist services come standard with gap cover.

Authorised and underwritten

FSP No 40815, underwritten by Auto&General Insurance Company Limited.

Trusted by South African employers

Who We Work With

Why Choose TRA for Corporate Clients?

Professional Associations

Medical Scheme Administrators

Brokers & Intermediaries

Employers (Small, Medium & Large)

Corporate Tools & Resources

Need Help Choosing The Right TRA Product?

Use our Gap Cover Product Selector Tool to match products to the member’s medical aid.

Launch Product Selector Tool

Quote In Under A Minute

Our Instant Quote Tool allows you to generate a real-time premium across our range.

Get An Instant Quote

Get Accredited & Trained Online

We also include an online accreditation assessment link for you, once you have an agreement in place with us.

Watch The Official Training Video Here

Monthly Dashboard Reporting

Corporate clients receive monthly claim trends and membership reporting to support benefit monitoring and review.

TRA Gap Cover Options

Product

Highlights

Super Cover Plus

Advanced shortfall and co-payment cover with high limits and added extras.

Absolute Cover Plus

Solid, balanced protection ideal for families and employer groups.

TRA Custom Cover

Bespoke solutions built around specific corporate or scheme arrangements.

Let’s Build a Tailored Solution Together

TRA supports brokers, HR professionals, and medical scheme administrators to:

Design and quote for group schemes
Launch gap cover as an employee benefit
Access training and marketing material
Track uptake and claims performance
Maintain regulatory compliance

All products are structured to comply with the relevant regulatory framework and pricing principles for demarcated health insurance products.

Frequently Asked Questions

What is Gap Cover?

Gap Cover is an insurance policy that covers the difference between what your medical aid pays and what service providers charge for in-hospital expenses.

View All Frequently Asked Gap Cover Questions