NB. All gap cover policies currently have an annual limit of R165 000 per insured member per year. Please familiarize yourself with the relevant waiting periods and exclusions.Gap products are not medical aid schemes and cover is not a substitute for medical aid.

All TRA Gap Cover Policies for 2020:

  • Provide benefits for members and their dependants (spouse and/or child/children up to the age of 25 years old only) who are covered on a registered medical aid scheme. You can only be on two different medical aid policies and one Gap Cover if you are a legally married couple or common law partners verified by submission of an affidavit confirming 12 months of cohabitation.
  • Have no entry age limit.
  • Allow immediate benefits for all policyholders except for a limited list of specific conditions and/or procedures. (There is no general 3 month waiting period!)
  • Cover Prescribed Minimum Benefits (PMBs) where a medical aid has failed to meet its obligations in this regard (Subject to medical aid review and for non-emergencies only).
  • Are not medical aid schemes. The cover is not the same as that of a medical aid scheme. The cover is not a substitute for a medical scheme membership.
  • Are subject to the aggregate gap cover annual limit of R165 000 per insured person per annum.

Product Choices:

Basic Cover 300 – Vital Cover Plus – Super Cover Plus – Absolute Cover Plus

Find the solution you need, starting from the Basic Cover 300 plan which provides for 300% tariff gap with a generous oncology tariff gap of 300% as well…

… to the more comprehensive Absolute Cover Plus plan which will cater for more comprehensive requirements. 

Unique Features being TRA Assist- includes a Panic Button, Home Drive (now includes Uber with Uber Black and Uber Vans) and a Medical Health Line, plus claims submissions. 

TRA Goals: A Stress-Free experience 

  • Our value lies in our wish to give customers a satisfactory experience from start to finish.
  • Treating Customers Fairly (TCF) is our main aim.
  • We have designed products which are beneficial, relevant, fair and cost-efficient.
  • We provide clear and detailed information regarding these benefits.
  • Our team is always readily available to assist you, so that the process of applying, joining and claiming is a seamless experience.
  • Our claims turnaround is unmatched.
  • We offer structure yet flexibility in our communications strategy, by maintaining our brand awareness, whilst being open to feedback for change and development.
  • We are always trying to evolve and make ourselves the best provider we can be.

Note: 

  • PMB’s are covered on the ‘Plus’ and ‘Basic Cover 300’ product options only, and for non-emergencies only.
  • Extended adult dependants like parents or kids over the age of 26 years and older are not covered and require separate membership.
  • Claim submission deadline is 6 months from the date of treatment.

Full terms and conditions apply. 

Errors and Omissions excepted.

     

    Packages

     

    PackageDescriptionAdditional CoverUnderwritingPrice
    Absolute Cover Plus700% tarrif gap.Co-payments, Sub Limit cover, Oncology gap+ExtenderCasualty, Accidental Death, ER24 Assist, Policy Extender10 month condition specific including spinal, pregnancy, cardiac, joint replacements, scopes, etc...9 month pre existing cancer, 6 month pre existing conditions.Family under 65: R450 pm
    Absolute Cover Plus700% tarrif gap.Co-payments, Sub Limit cover, Oncology gap+ExtenderCasualty, Accidental Death, ER24 Assist, Policy Extender10 month condition specific including spinal, pregnancy, cardiac, joint replacements, scopes, etc...9 month pre existing cancer, 6 month pre existing conditions.Family over 65: R550 pm

     

    Downloads

    TRA_Gap_Brochure_2020

    TRA_App_2020