Total Risk Administrators (TRA) is a South African insurance company specializing in healthcare solutions, particularly gap cover insurance. They offer four plans: Basic Cover 300, Vital Cover Plus, Super Cover Plus, and Absolute Cover Plus, designed to cover medical aid shortfalls for in-hospital expenses[1][3]. Their target audience includes individuals with existing medical aid seeking additional financial protection. TRA's unique selling proposition is its commitment to transparent, cost-efficient products with quick claims processing and value-added services like wellness programs and trauma counseling[1][3]. They are underwritten by Auto&General Insurance Company Limited[2].