Dread Disease Cover

Serious diseases usually strike without any warning - whether you suffer a heart attack, fall victim to cancer, need an organ transplant, or lose your eyesight or hearing. You may not necessarily be medically unable to continue working, and therefore you may not be able to claim disability cover. And it is exactly at time such as these that you will need extra cash.


What expenses should you provide for?

  • Your basic expenses, such as a home loan or car instalment.
  • An extended convalescence period. It may benefit you to remain in bed for longer, rather than slowing down your recovering by returning to work too soon. Your savings account might not be sufficient to tide you over until your make a full recovery.
  • Some dread diseases may leave you uninsurable for a number of years, or even permanently. Dread disease cover is therefore a way of providing for the inability to obtain further insurance that may be needed as security for a loan, bond, for your children's education, etc.
  • A dread disease may shorten your life expectancy or remaining number of working years. Therefore the benefit may enable you to reprioritise your life - scaling down on business activities, taking more holidays with your family, and improving your quality of life.
  • Additional expenses may have to be covered when you are hospitalised, e.g. taking care of your children, organising transport, homecare duties, etc.
  • Travel expenses may have to be incurred to go for treatment in major centres, or for relatives to visit you in your hour of need.

A feature of dread disease cover from Sanlam is that we pay 100% of the cover amount for the majority of diseases we cover. Sanlam supports the standardised industry definitions for the four most common dreaded diseases. These four illnesses account for the majority of dread disease claims. The table below indicates the percentage of the cover amount we will pay for a claim for the severity levels of the following events as identified by the Standardised Critical Illness Definitions Project (SCIDEP) of the Association for Savings and Investment South Africa (ASISA), and it shows that we pay 100% of the cover amount for the least severe to most severe levels defined for these diseases.  

Claim event

% of the cover amount for a severity level
Level A
Level B Level C Level D
Cancer 100 100 100 100
Heart attack 100 100 100 100
Stroke 100 100 100 100
Coronary artery bypass graft (CABG) 100 100 100 100

Find out how you can protect your child from serious illnesses and injuries, click here.