Total Risk Administrators Basic Cover 300
Overall, Total Risk Administrators Basic Cover 300 is a trustworthy short-term insurance product designed to provide extra protection for those who already have medical aid. The Total Risk Administrators Basic Cover 300 Plan starts from R99 ZAR. Total Risk Administrators has a trust score of 4.2.
| 🔎 Provider | 🥇 Total Risk Administrators Basic Cover 300 |
| 🟥 Years in Operation | 24 years |
| 🟧 Underwriters | Auto & General Insurance Company Limited |
| 🟨 Market Share in South Africa | <5% |
| 🟩 Gap Cover Waiting Period | 3 – 12 months |
| 🟦 Do Exclusions Apply | ✅ Yes |
| 🟪 Average Monthly Premium | R99 |
| 🟥 Oncology Benefit | ✅ Yes |
| 🟧 In-Hospital Benefit | None |
| 🟨 Out-of-Hospital Cover | ✅ Yes |
Total Risk Administrators Basic Cover 300 – 7 Key Point Quick Overview
- ✅ Total Risk Administrators Basic Cover 300 Overview
- ✅ Total Risk Administrators Basic Cover 300 Premiums
- ✅ Total Risk Administrators Basic Cover 300 Benefits and Cover Breakdown
- ✅ Total Risk Administrators Basic Cover 300 Exclusions and Waiting Periods
- ✅ Total Risk Administrators Basic Cover 300 vs Other Gap Cover Plans
- ✅ Our Verdict on Total Risk Administrators Basic Cover 300
- ✅ Total Risk Administrators Basic Cover 300 Frequently Asked Questions
Total Risk Administrators Basic Cover 300 Overview
The Total Risk Administrators Basic Cover 300 is one of four plans that starts from R99 per month. Total Risk Administrators’ Basic Cover 300 has benefits for accidental death, dentistry, casualties, travel, policy extenders, and more.
Total Risk Administrators (TRA) Gap Cover has four plans to choose from:
Total Risk Administrators Basic Cover 300 Premiums
| 🟥 Policyholder/Family Criteria | Basic Cover 300 |
| 🟧 All members <65 years | N/A |
| 🟨 Premium per individual policy monthly | R99 |
| 🟩 Premium per family policy monthly | R180 |
| 🟦 For families with one or more members 65 years> | R360 |
Total Risk Administrators Basic Cover 300 Benefits and Cover Breakdown
| 🟥 Gap Cover | Up to 300% cover. |
| 🟧 Prescribed Minimum Benefits | Covered but subject to medical aid review. |
| 🟨 Casualty Unit Benefit | Limited to R3,000 per policy per year. |
| 🟩 Dental Benefit | Unlimited cover provided.
Subject to the aggregate annual limit per insured person per year. |
| 🟦 Oncology Gap Benefit | Unlimited cover provided.
Subject to the aggregate annual limit per insured person per year. |
| 🟪 Accidental Death Cover | Limited to R6,000 per insured or spouse.
Limited to R3,000 per dependent. |
| 🟥 Policy Extender | The cover is valid for 12 months. |
| 🟧 TRA Assist | – |
| 🟨 Home Drive | A designated driver service can include “Own Vehicle” or “Uber” services.
Limited to 6 trips per year per policy.
The radius is set at 50 kilometers. |
| 🟩 Panic Button | You will have 24-hour access to a crisis manager who will walk you through an emergency. |
| 🟦 Medical Health and Trauma Counselling Line | Access to qualified nurses is unrestricted, 24 hours a day, 7 days a week, for telephonic emergency medical advice, symptom assessment, medical terminology explanation, etc.
Insured persons have access to a COVID-19 care line. |
| 🟧 Claim Submission | Insured members can use the mobile app to submit their claim documents. |
| 🟥 Travel Benefit | Emergency Medical and Related expenses: up to R600,000 with an excess of R500.
COVID-19 Extension covers emergency inpatient or outpatient treatment due to COVID-19 up to R600,000 with an excess of R500.
Medical evacuation, repatriation, or transportation to a medical center: the full cost is covered when arranged by Hepstar Financial Services.
Hospital Cash benefit provides R500 per day (maximum of R3,000) if you are hospitalized.
Inconvenience Cover includes Baggage Cover up to R5,000 for theft, damage, or loss by the travel supplier. |
Total Risk Administrators Basic Cover 300 Exclusions and Waiting Periods
Total Risk Administrators Basic Cover 300 Exclusions
Total Risk Administrators does not mention exclusions in its policy documents. However, we have found some general exclusions that could apply to gap cover in South Africa. However, we urge potential policyholders to contact TRA to verify exclusions before they apply.
- ✅ Certain treatments are generally not covered, including cosmetic surgery, obesity treatment, laser eye surgery, dental implants, and fertility treatment.
- ✅ Treatments for self-inflicted wounds, alcohol or drug addiction, or suicide attempts are not covered unless taken according to a medical practitioner’s prescription, resulting in a bad reaction.
- ✅ Expenses related to psychiatric treatment, depression, emotional or mental illness, or stress-related illness are generally not covered.
- ✅ Gap cover does not pay for medical expenses incurred outside South Africa’s borders unless specified in the policy.
- ✅ Services provided by allied health professionals are generally not included in gap cover, except for in-hospital physiotherapy.
- ✅ Injuries from certain adventure sports like skiing, mountain climbing, or scuba diving are not covered.
Gap cover excludes consultations before or after in-hospital treatment, medicine and disposable items, crutches, and wheelchairs unless specified in the policy.
Total Risk Administrators Basic Cover 300 Waiting Periods
There is no general three (3) month waiting period. Instead, the waiting periods commence from the Join Date of the Gap Cover Policy. There is a 10-month condition-specific waiting period. No claims may be submitted within the first 10 months of membership for any Gap Cover policy if they relate to any of the following conditions:
- ✅ Head, neck, and spinal procedures (e.g., Laminectomy)
- ✅ All types of hernia procedures
- ✅ Endoscopic procedures (e.g., Colonoscopy, Gastroscopy)
- ✅ Pregnancy and childbirth (including cesarean delivery)
- ✅ Gynecological conditions (e.g., Hysterectomy)
- ✅ Joint replacement (excluding treatment due to accidental trauma)
- ✅ Inability to walk/move without pain, and more.
Any policyholder diagnosed with cancer before membership:
- ✅ Related claims have a 9-month waiting period.
Policyholder previously diagnosed with cancer and in remission:
- ✅ Must provide medical evidence of 2+ consecutive years of remission.
There will not be any coverage for pre-existing conditions (excluding cancer) leading to hospitalization for the first 6 months of membership. Furthermore, TRA reserves the right to request clinical information if a claim in this period indicates a pre-existing condition.
Total Risk Administrators Basic Cover 300 vs Other Gap Cover Plans
| 🔎 Provider | 🥇 Total Risk Administrators Basic Cover 300 | 🥈 Sirago Gap Only | 🥉 Dis-Chem Gap Summit |
| 🟥 Years in Operation | 24 years | 30 years | 36 years |
| 🟧 Underwriters | Auto & General Insurance Company Limited | GENRIC Insurance Company Limited (FSP: 43638) | Old Mutual Insure |
| 🟨 Market Share in South Africa | <5% | >10% | <1% |
| 🟩 Gap Cover Waiting Period | 3 – 12 months | From 3 months (up to 12) | 3 – 12 months |
| 🟦 Do Exclusions Apply | ✅ Yes | ✅ Yes | ✅ Yes |
| 🟪 Average Monthly Premium | R99 | R131 | R180 |
| 🟥 Oncology Benefit | ✅ Yes | None | ✅ Yes |
| 🟧 In-Hospital Benefit | None | ✅ Yes | ✅ Yes |
| 🟨 Out-of-Hospital Cover | ✅ Yes | None | ✅ Yes |
| 🟩 Maternity Benefit | None | None | None |
| 🟦 Scopes and Scans | None | None | ✅ Yes |
| 🟪 Co-payment Cover | None | None | ✅ Yes |
| 🟥 Emergency Room | ✅ Yes | None | ✅ Yes |
| 🟧 Accidental Cover | None | None | ✅ Yes |
| 🟨 Trauma Counseling | ✅ Yes | None | ✅ Yes |
| 🟩 Premium Waiver | None | None | ✅ Yes |
| 🟦 Non-DSP Co-Payment | None | None | ✅ Yes |
| 🟪 Prostheses | None | None | ✅ Yes |
| 🟥 Travel Cover Extender | ✅ Yes | None | ✅ Yes |
| 🟧 Accidental Death/ Permanent Disability | ✅ Yes | None | ✅ Yes |
Read more about Health Insurance for Teenagers
Our Verdict on Total Risk Administrators Basic Cover 300
Based on this information, the Basic Cover 300 plan seems to offer balanced coverage for various medical needs, with a focus on gap cover and accidental death cover. However, it lacks benefits for co-payments and sub-limits, which might be important for some individuals.
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Total Risk Administrators Basic Cover 300 Frequently Asked Questions
What is TRA Basic Cover 300?
TRA Basic Cover 300 is a gap cover policy that covers medical expenses and offers benefits such as emergency room cover, trauma counseling, travel cover, and more.
How much does TRA Basic Cover 300 cost?
The premium for TRA Basic Cover 300 is R99 per month for individual policies and R180 per month for family policies. For families with one or more members aged 65 and above, the premium is R360 per month.
What are the main benefits of TRA Basic Cover 300?
TRA Basic Cover 300 offers up to 300% cover for gap expenses, unlimited coverage for oncology gap benefits, emergency room cover, trauma counseling, and a travel benefit that includes emergency medical expenses, COVID-19 cover, and more.
Are there any waiting periods or exclusions with TRA Basic Cover 300?
TRA Basic Cover 300 has waiting periods for certain conditions, such as cancer and specific medical procedures.
The policy documents do not mention specific exclusions. Still, general exclusions may apply, including cosmetic surgery, psychiatric treatments, certain adventure sports injuries, and expenses incurred outside South Africa unless specified in the policy.
How can I submit a claim with TRA Basic Cover 300?
Insured members can use the mobile app provided by TRA to submit their claim documents. The app allows for convenient and easy claim submission.
