Gap cover is not a medical scheme and does not replace one. It pays the difference between what a specialist charges in hospital and what your scheme pays, and it only functions alongside a registered medical scheme.
Medexpense is administered by Total Risk Administrators, which is why the contact email uses a different domain from the product name. The administrator holds your policy record and runs the claims process.
Gap cover is capped by regulation each year, and it does not cover what your scheme excludes outright. If your scheme declines a procedure entirely, gap cover generally has nothing to top up, and that surprises people at exactly the wrong moment.
This page covers how to contact Medexpense gap cover in South Africa. The details below were taken from the official Medexpense gap cover contact page rather than from any third-party directory.
ContactDetails.co.za is an independent directory. We are not Medexpense gap cover and cannot act on your behalf. Everything on this page is a routing aid so you reach the right official channel quickly.
Medexpense gap cover contact numbers
These routes were verified against the official Medexpense gap cover contact page on 22 August 2026. Contact numbers do change, so confirm on the official page before relying on one for anything urgent.
| What it is for | Contact |
|---|---|
| Total Risk Administrators | 011 372 1540 |
| Administrator email | [email protected] |
The administrator's address is 16 Jersey Drive, Longmeadow Business Estate, Edenvale, 1609.
Medexpense is administered by Total Risk Administrators (Pty) Ltd, FSP number 40815, which is why the contact email uses a different domain. Gap cover is not a medical scheme. It pays the shortfall between what a specialist charges and what your scheme pays, and it only works alongside a registered medical scheme.
Self-service options before you call
- Check the official site at medexpense.co.za, which carries the current contact details and any online enquiry form.
- Email to [email protected], which gives you a written record of what you asked and when.
- Calling outside peak times. Monday mornings and the hour after 17:00 are usually the worst for South African contact centres.
What to have ready before you call
- A clear one line summary of what you need resolved.
- Your account, order or reference number if you already have one.
- The identity document or account holder details, since most South African providers verify who you are before discussing an account.
- Dates, amounts and any error message exactly as it appeared.
- A pen and paper for the reference number. Ask for one every time, because without it a follow up call starts from nothing.
Complaints and escalation
If a first call does not resolve the matter, escalate through the administrator named on your policy schedule first, in writing. Gap cover is insurance, so an unresolved complaint goes to the National Financial Ombud on 0860 800 900. If the underlying dispute is about what your medical scheme paid rather than what the gap policy paid, that part goes to the Council for Medical Schemes on 086 112 3267.
Keep a short written log of each contact: the date, the channel you used, the name of the agent and the reference number. Most gap cover complaint processes ask for exactly that history, and having it ready is usually the difference between a fast resolution and starting over.
Avoiding fake Medexpense gap cover contact numbers
Contact details for well known South African brands are a common target for impersonation. Numbers that look official appear in search ads, social media replies and cloned websites, and the person answering is not Medexpense gap cover.
- Reach Medexpense gap cover through the official site at medexpense.co.za rather than through a number in a search advert or a social media reply.
- Medexpense gap cover will never ask you for your full card number, PIN, CVV, online banking password or a one time PIN. Nobody legitimate needs those to help you.
- Treat any caller who creates urgency, asks you to install remote access software, or asks you to move money to a safe account as fraudulent, and end the call.
- If you are unsure whether a call was genuine, hang up and dial the official number yourself rather than calling back a number the caller gave you.
Related contact pages
Frequently asked questions
What is the Medexpense gap cover contact number?
The routes are listed in the table above, with what each one is for. The main route is 011 372 1540. Confirm it on medexpense.co.za before relying on it, since numbers are changed from time to time.
How do I know a Medexpense gap cover number is genuine?
Check it against the official site at medexpense.co.za. A number that only appears in a search advert, a social media reply or a third-party directory should not be trusted for anything involving your account, your money or your identity document.
What should I do if nobody resolves my query?
Ask for the complaint reference and the escalation path on your first call, then follow the escalation route described above. Keep the dates, agent names and reference numbers, because every formal complaint process will ask for them.
Can ContactDetails.co.za resolve this for me?
No. We are an independent directory, not Medexpense gap cover, and we have no access to your account. Everything here is a routing aid so that you reach the correct official channel with the right information in hand.
Is there a cost to calling these numbers?
South African 0860 and 0861 numbers are charged at a share-call or standard rate depending on your provider, and 0800 numbers are toll free from a landline. Calls from a mobile are billed at your own operator’s rate, so check your plan if cost matters.
Contact routes on this page were checked against the official Medexpense gap cover source on 22 August 2026. If you find a detail that has changed, the official source is always the authority.