TR
Total Risk Administrators
Verified Business
TR
Rated in:
Scores reflect the Overall AI Score for each category
Scores reflect the Overall AI Score for each category
Based on recent customer reviews, Total Risk Administrators delivers strong gap cover service with fast claim turnarounds and friendly agents praised by name. Most members describe efficient payouts and clear communication, though a meaningful minority report frustrating claim rejections, repeated document requests, and long WhatsApp or phone wait times that undermine trust during stressful medical events.
TrustIndex
8.8
Ranking
#1
in Gap Cover
NPS Score
60
Recommended: Very Likely
Jul '25 - Jun '26
Based on recent customer reviews, Total Risk Administrators delivers strong gap cover service with fast claim turnarounds and friendly agents praised by name. Most members describe efficient payouts and clear communication, though a meaningful minority report frustrating claim rejections, repeated document requests, and long WhatsApp or phone wait times that undermine trust during stressful medical events.
Total Risk Administrators's biggest strength, according to Hellopeter's AI analysis, is Claims Processing & Authorisation. Claims Processing & Authorisation (3.8). Members repeatedly highlight claims paid within days, sometimes 48 hours, with seamless surgeon-direct submissions and proactive payouts. The app and WhatsApp submission paths receive consistent praise for hassle-free settlements.
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your Experience1 reviews | Active since Jan 2020
@TraTotalrisk I have been n loyal client for over 30 years. First time I really needed you, payment was declined with s reason I asked Bestmed to audit for me. Bestmed kindly did a Audit and came back that the reason they did not pay a fairly high amount, was actually that my benefits for that specific part of my operation was depleted, and that is exactly why I have gab cover. So did send about 20 emails to please relook with attached audit etc. no replies except auto responses did receive. No replies whatsoever. Really very very disappointing
1 reviews | Active since Jan 2020
@TraTotalrisk I have been n loyal client for over 30 years. First time I really needed you, payment was declined with s reason I asked Bestmed to audit for me. Bestmed kindly did a Audit and came back that the reason they did not pay a fairly high amount, was actually that my benefits for that specific part of my operation was depleted, and that is exactly why I have gab cover. So did send about 20 emails to please relook with attached audit etc. no replies except auto responses did receive. No replies whatsoever. Really very very disappointing
1 reviews | Active since Jan 2020
This was my 1st time i claimed, I submitted the required documents for a GAP cover claim on 21 and then 24 April and received a reference number shortly thereafter. On 04 May, additional information was requested, which I then submitted immediately. Unfortunately, with every request for further information, a new timeline seemed to be added to the process. What concerns me most is the email I received from the claims department on 07 May at 19:52 stating: “Please provide the invoice of the service provider, we cannot work from a screenshot/Snippy.” This response clearly indicates that the attached documents were not properly reviewed before sending the email, as the actual invoice, statements from medical aid, proof of payments, medical aids letter confirming the co-payment had already been attached. It appears that only the screenshot was noticed, resulting in another unnecessary delay. This is my first claim, for an amount of approximately R2,200, and the experience has been disappointing. It raises concerns about how larger claims would be handled if such delays and lack of attention occur on a relatively small claim. I immediately requested that the matter be urgently addressed and advised that, should it remain unresolved, I would share my experience publicly. To date, I have received no further feedback. Clients expect efficient processing, proper review of submitted documents, and communication that reflects genuine attention to the claim. Unfortunately, that has not been my experience.
1 reviews | Active since Jan 2020
This was my 1st time i claimed, I submitted the required documents for a GAP cover claim on 21 and then 24 April and received a reference number shortly thereafter. On 04 May, additional information was requested, which I then submitted immediately. Unfortunately, with every request for further information, a new timeline seemed to be added to the process. What concerns me most is the email I received from the claims department on 07 May at 19:52 stating: “Please provide the invoice of the service provider, we cannot work from a screenshot/Snippy.” This response clearly indicates that the attached documents were not properly reviewed before sending the email, as the actual invoice, statements from medical aid, proof of payments, medical aids letter confirming the co-payment had already been attached. It appears that only the screenshot was noticed, resulting in another unnecessary delay. This is my first claim, for an amount of approximately R2,200, and the experience has been disappointing. It raises concerns about how larger claims would be handled if such delays and lack of attention occur on a relatively small claim. I immediately requested that the matter be urgently addressed and advised that, should it remain unresolved, I would share my experience publicly. To date, I have received no further feedback. Clients expect efficient processing, proper review of submitted documents, and communication that reflects genuine attention to the claim. Unfortunately, that has not been my experience.
1 reviews | Active since Jan 2020
I have been trying to get a claim sorted with them for over a month now. Everytime it takes a few days to get a reply, and then they need more information. Now after a month they ask for information that was sent right from the start. When I try to phone them, you are on hold for 10min + and no one available to take your call to discuss the problem. I have been with them for 4 years, this is my second attempt at a claim without success. I am not happy!
1 reviews | Active since Jan 2020
I have been trying to get a claim sorted with them for over a month now. Everytime it takes a few days to get a reply, and then they need more information. Now after a month they ask for information that was sent right from the start. When I try to phone them, you are on hold for 10min + and no one available to take your call to discuss the problem. I have been with them for 4 years, this is my second attempt at a claim without success. I am not happy!
1 reviews | Active since Jan 2020
Many thanks to the Total Risk team for handling my gap cover claim with efficiency and courtesy and keeping me in the loop as the process unfolded. I received prompt help on WhatsApp, and found the app you provide invaluable. Many thanks!
1 reviews | Active since Jan 2020
Many thanks to the Total Risk team for handling my gap cover claim with efficiency and courtesy and keeping me in the loop as the process unfolded. I received prompt help on WhatsApp, and found the app you provide invaluable. Many thanks!
1 reviews | Active since Jan 2020
TRA kept me in the loop during all the steps of the process. From receiving the claim to processing for payment. I am very satisfied with the service and so happy I choose them as GAP cover service provider.
1 reviews | Active since Jan 2020
TRA kept me in the loop during all the steps of the process. From receiving the claim to processing for payment. I am very satisfied with the service and so happy I choose them as GAP cover service provider.
1 reviews | Active since Jan 2020
TRA was very efficient in processing two recent claims. Their feedback was excellent. They resolved both claims on behalf of my daughter. One was resolved through discount negotiations.
The most common complaint about Total Risk Administrators, based on Hellopeter's AI analysis of recent customer reviews, is Communication & Responsiveness. Communication & Responsiveness (3.1). Many describe excellent updates throughout the claim journey, but a significant cluster cite WhatsApp delays of hours, 45-minute call queues, ignored emails, and repeated requests for documents already supplied.
Total Risk Administrators has a TrustIndex of 8.8 out of 10 on Hellopeter, based on 113 reviews in the last 12 months. Hellopeter has tracked Total Risk Administrators across 656 total reviews. How is the TrustIndex calculated? →