There are still many South Africans who believe that belonging to a medical scheme cancels out all their medical treatment bills. They have discovered in a harsh way that this is far from the truth.
In fact, their medical aids have dropped them badly – increasing their premiums and offering them fewer benefits. They have exclusions, co-payments and they only partially pay for some treatments.
They’re profiting while their members are suffering. Gap cover has mercifully come to the rescue and it pays for the amounts that medical pay won’t pay.
TRA Gap Cover and some of its offerings
But which gap cover? South Africa has some good gap cover providers, and one of these, Total Risk Administrators, or TRA Gap Cover as they are better known as, is one.
◾They are an authorised Financial Services Provider who offer gap cover at a ridiculously low price.
◾They offer 4 plans – Basic Cover 300 is their entry level product, Vital Cover Plus, Super Cover Plus, and Absolute Cover Plus. Check out these gap cover plans carefully to see which one suits your needs and your budget. Some of the plans cover up to 700% above the medical aid scheme tariff.
◾Between these 4 plans you get valuable gap cover benefits –
- Gap cover
- Prescribed Minimum Benefits
- Casualty Unit Benefit
- Co-payment Benefits
- Sub-limit Benefits
- Global Fee Benefits
- Oncology Gap Benefits
- Maternity Private Ward Benefit
- Covid-19 Isolation Hotel Benefit
◾There is no entry age limit.
◾All the gap cover plans are for the main member, spouse and those who are financially dependent on them such as children and aged parents.
◾Members of the family on different medical schemes can still be covered under one policy.
◾Unlike other gap cover providers, they don’t have a 3 month general waiting period. There is however a 10 month condition-specific waiting period, a pre-existing medical condition waiting period and a cancer diagnosis waiting period.
◾As of 2021, the gap cover options offer TRA ASSIST benefits such as panic button, home drive, medical and trauma line as well as a covid-19 care line.
◾Some benefits are subject to an aggregate annual limit while others aren’t.
◾Those that aren’t include Accidental Death Cover, Policy Extender, Panic Button, Home Drive. Medical Health and Trauma Counselling Line, and Submit Claim.
◾Monthly premiums are calculated on whether you are over- or under the age of 65 years.
One of the reasons that TRA Gap Cover is a market leader in shortfall insurance is that their gap cover is simple to understand. With their 4 plans you can look at all 4 plans on one page. They can then be easily compared side by side.
TRA Gap Cover – you’re prepared
Your medical aid has become unpredictable in 2021 and you don’t know what it will do next. It’s not likely to be in your favour though.
It could be co-payments or imposing sub-limits on treatments you badly need. The only way you can be free from continual worry with your medical aid is to get good gap cover, and TRA Gap Cover deserves a good look.
Complete the form and hit the Get It Now button to get a quote!