Total Risk Administrators (TRA) Gap Cover, Johannesburg

At Total Risk Administrators (TRA), we specialise in gap cover — supplementary health insurance designed to protect South Africans from the financial shortfall between what their medical aid pays and what private specialists and hospitals actually charge. In South Africa's private healthcare system, specialists routinely bill at rates far exceeding medical aid tariffs, leaving patients with unexpected out-of-pocket costs. We exist to close that gap.
Founded on the principle that quality healthcare protection should be accessible and affordable, TRA has grown into one of South Africa's most trusted gap cover providers. We serve individuals and families across the country who want peace of mind knowing that a specialist visit or private hospitalisation won't result in a devastating bill.
What We Cover
Our gap cover plans are designed to cover the difference between medical aid reimbursement rates and the actual costs charged by in-hospital specialists, anaesthetists, and other private practitioners. This includes:

In-hospital specialist shortfalls
Sub-limit top-ups for procedures where medical aid benefits run out
Co-payment cover for certain procedures and hospital admissions
Additional benefits through our TRA Assist app

Our Plans
We offer four flexible plan tiers to suit different budgets and coverage needs, with premiums starting from as little as R99 per month — the most affordable entry point in the gap cover market. Our top-tier plans provide tariff cover of up to 700%, giving members exceptional protection against even the highest specialist billing rates. Unlike many gap cover products, our plans come with no general waiting period, meaning new members can access their benefits without delay.