Start Your Claim | Sanlam
Skip Ribbon Commands
Skip to main content

Claims Claims

Claims

At Sanlam, we are in the business of paying valid claims, and nothing will give us more satisfaction than to do that at this difficult time. We understand that filling out forms is the last thing on your mind, which is why we are here to help make the administration and paperwork easier, so that you can spend your time and energy on what matters most.

How to claim

Start your claim
Select the relevant type of claim to access the appropriate claim form. Should you need further assistance please contact us on +27 86 072 6526.
Gather your information
In addition to the completed claim form, you’ll also need to submit supporting documents for your claim, such as your medical reports, death certificates, etc.
Submit your claim
Once you’ve completed your claim form and have the required documents ready, you can submit your claim to us.
We assess your claim
We have a fair decision-making process and we aim to give feedback soon after you’ve submitted your form or after we’ve requested outstanding information.
We pay your claim
If your claim meets the contractual criteria of your policy, we will pay out.

Start your claim

Start by selecting a claim category below to get more information:

Death claim

Please follow the instructions below to submit a claim for the death of a loved one. We understand that losing a loved one is tough, which is why we want to ensure that the claim process is as simple as possible. If a claim is approved it will be paid out as a lump sum or an income, depending on the type of benefit that you have.

For Sanlam Indie claims, please visit the Sanlam Indie claims section for more information.

You can claim for the death of a loved one who had life cover or a savings policy with Sanlam.

If you require more information, feel free to download our Claim Guide in English or Afrikaans.

To prevent any delays in the assessment process, you’ll need the following, along with your completed claim form, to submit your claim:

Natural cause of death
  • A certified copy of the official death certificate issued by the Department of Home Affairs
  • A certified copy of the deceased’s ID
  • Banking Details form and valid proof of the bank account and a certified copy of the ID document of the beneficiary/plan holder/cessionary
  • A copy of the Letter of Executorship issued by the Master of the High Court (only for the life cover policy if no beneficiary was appointed)
  • Valid proof of the bank account in the name of the estate (only for the life cover policy if no beneficiary was appointed)
  • Completed Dependants Details form (if claiming on RA)
  • Notice of death (BI 1663) completed by the doctor who certified the death
  • In certain cases, contract validation will be conducted which amongst other things, may require a medical certificate to be submitted
Unnatural or unknown cause of death

All of the above including:

  • Fully completed SAPS statement (SLDC002E)
  • Road accident report for accidental death benefits (if the cause of death was a motor vehicle accident)
  • Judicial inquiry and post mortem report (including J56 and identification of body)
  • Results of blood alcohol test (if this was done)
  • In certain cases, contract validation will be conducted which, amongst other things, may require a medical certificate to be submitted

Please note, we may request additional information or supporting documents to process your claim.

Once you’ve completed the claim form and collected all the required documents, you can submit it to us in any of the following ways:

Submit and track your claim
  • Submit and track your death claim through our death claims online platform.
Submit Claim
Track Claim
Send us your form

Alternatively, submit your claim by forwarding us your completed form and supporting documents by:

Next, we will assess your claim, request any additional information if required, and let you know of the outcome within 10 working days.

If you are unhappy with the outcome of your claim, you are welcome to appeal to us to reconsider, or you may refer your complaint to the Sanlam Arbitrator.

Funeral benefit on a Life Cover policy

Please follow the instructions below to submit a funeral claim for the death of a loved one. We know that losing a loved one is hard, which is why we want to ensure that the claim process is as simple as possible. If a claim is approved it will be paid out as a lump sum.

For Sanlam Indie claims, please visit the Sanlam Indie claims section for more information.

You can claim for the death of a loved one who was covered by a Funeral benefit on a Sanlam Life Cover policy.

To prevent any delays in the assessment process, you’ll need the following, along with your completed claim form, to submit your claim:

Natural cause of death
  • Certified copy of the official death certificate issued by the Department of Home Affairs
  • Certified copy of the deceased’s ID
  • A letter from the funeral parlour, on a formal letterhead, confirming that the deceased is in their care
  • BI 1663 completed by the doctor who certified the death
  • Completed Banking Details form
Unnatural cause of death
  • All of the above including a certified copy of the claimant’s ID and a completed SAPS statement
  • Completed Banking Details form

Please note, we may request additional information or supporting documents to process your claim.

Once you’ve completed the claim form and collected all the required documents, you can submit it to us in any of the following ways:

Upload your form
  • Upload your completed claim form and supporting documents
Upload
Send us your form

Alternatively, submit your claim by:

Next, we will assess your claim, request any additional information if required, and let you know of the outcome within 48 hours of receiving all information.

If you are unhappy with the outcome of your claim, you are welcome to appeal to us to reconsider, or you may refer your complaint to the Sanlam Arbitrator.

Funeral Cover claim

Our deepest condolences to you and your family. We understand that this is a trying time, which is why we want to ensure that the claim process is as simple as possible. Please follow the instructions below to submit a funeral claim for the death of a loved one. If a claim is approved it will be paid out as a lump sum.

For Sanlam Indie claims, please visit the Sanlam Indie claims section for more information.

You can claim for the death of a loved one who was covered by a Sanlam Funeral policy.

To prevent any delays in the assessment process, you’ll need the following, along with your completed claim form, to submit your claim:

Natural cause of death
  • A clear copy of the official death certificate issued by the Department of Home Affairs
  • A clear copy of the deceased’s ID. Should the identity numbers on the death certificate differ to that of the ID, a letter from Home Affairs with an explanation will be required.
  • A clear copy of the claimant’s ID
  • A proof of bank account into which the claim will be paid. If possible, a bank statement stamped by the bank. Please note that the statement cannot be older than three months at the date the claim is submitted. If a bank statement cannot be provided then a cancelled cheque will be accepted. In the case of third party payments, where the beneficiary does not have a bank account, we require a clear, certified copy of the account holder’s ID, as well as a bank statement and a completed Sanlam discharge form.
  • Copy of BI/DHA 1663 (Notification of Death) or BI/DHA-1680 (Death Report)
Unnatural cause of death

All of the above including:

  • Fully completed police report
  • Road accident report (if cause of death was as a result of a motor vehicle accident)
Stillborn child
  • A certified copy of the ID of the stillborn child’s mother
  • Notice of stillbirth
  • A letter from the doctor who was present at the baby’s birth, confirming who the mother of the child is and at how many weeks the child was born
  • Proof of bank account into which the claim will be paid. If possible, a bank statement stamped by the bank. Please note that the statement cannot be older than three months at the date the claim is submitted. If a bank statement cannot be provided then a cancelled cheque will be accepted. In the case of third party payments, where the beneficiary does not have a bank account, we require a clear, certified copy of the account holder’s ID, as well as a bank statement and a completed Sanlam discharge form.

Please note, we may request additional information or supporting documents to process your claim.

Once you’ve completed the claim form and collected all the required documents, you can submit it to us in any of the following ways:

Upload your form
  • Upload your completed claim form and supporting documents
Upload
Send us your form

Alternatively, submit your claim by:

Next, we will assess your claim, request any additional information if required, and let you know of the outcome within 48 hours of receiving all information.

If you are unhappy with the outcome of your claim, you are welcome to appeal to us to reconsider, or you may refer your complaint to the Sanlam Arbitrator.

Severe Illness/Child Illness and Injury claims

Please follow the instructions below to submit an illness or injury claim for yourself or your child, if covered by a Sanlam benefit providing such cover. If a claim is approved it will be paid out as a lump sum or income, depending on the type of benefit you have.

For Sanlam Indie claims, please visit the Sanlam Indie claims section for more information.

Severe Illness/Dread Disease/Child Illness and Injury benefits cover a variety of illnesses, impairments and injuries, which can have a serious impact on your family’s health and ability to function, for example:

  • Being diagnosed with cancer, diabetes, Alzheimer’s disease, or multiple sclerosis
  • Suffering a heart attack, stroke, or requiring a joint replacement
  • Your child contracting cerebral malaria, requiring ICU care after a near drowning experience, or requiring plastic surgery after a dog bite to the face

Please note that the above mentioned are merely examples of possible claim events. Please refer to your policy contract for specific information on what you or your family are covered for and for the requirements that must be met to qualify for a claim.

If you require more information, feel free to download our Claim Guide in English or Afrikaans.

The following are examples of benefits that are claimable under this category:

  • Comprehensive Severe Illness
  • Core Dread Disease
  • Cancer
  • Cardiovascular
  • Child: Illness and Injury
  • Spouse Protector
  • Child Protector

To prevent any delays in the assessment process, you’ll need to submit the following supporting documents, along with your completed claim form:

  • A copy of your ID
  • Copies of all specialist reports, as well as copies of all special medical and laboratory tests. Please note that for cancer claims the staging needs to be indicated.
  • We may request further medical information and/or documents, if required

Please note, we may request additional information or supporting documents to process your claim.

Once you’ve completed the claim form and collected all the required documents, you can submit it to us in any of the following ways:

Upload your form
  • Upload your completed claim form and supporting documents
Upload
Send us your form

Alternatively, submit your claim by:

Next, we will assess your claim, request any additional information if required, and let you know of the outcome within 10 working days.

If you are unhappy with the outcome of your claim, you are welcome to appeal to us to reconsider, or you may refer your complaint to the Sanlam Arbitrator.

Disability and Accident claims

Please follow the instructions below to submit a disability or accident claim, if covered by a Sanlam benefit providing such cover. If a claim is approved it will be paid out as a lump sum.

For Sanlam Indie claims, please visit the Sanlam Indie claims section for more information.

Disability and/or Accident benefits could provide cover for:

  • The inability to do your occupation due to an illness or injury
  • Losing a limb, vision, hearing or speech
  • Fracturing a hip or requiring a joint replacement
  • Accidental injuries like burns, amputations and gunshot wounds
  • Being diagnosed with certain illnesses like heart disease, clinical dementia or epilepsy

Please note that all of the above mentioned are merely examples of possible claim events. Please refer to your policy contract for specific information on what you are covered for and for the requirements that must be met to qualify for a claim.

If you require more information, feel free to download our Claim Guide in English or Afrikaans.

The following are examples of benefits that are claimable under this category:

  • Disability
  • Accidental Disability
  • Physical Impairment
  • Functional Impairment
  • Comprehensive Impairment
  • Accidental Injury

To prevent any delays in the assessment process, you’ll need the following, along with your completed claim form, to submit your claim:

  • The Declaration by Employer form (if you are not self-employed)
  • Specialist medical reports or tests (if relevant)
  • A copy of your ID
  • A SAPS report of the injury sustained at work if a claim was caused by an accident, as well as the result of the investigation if already finalised
  • Disability Claim form (AE2643) in English Download form
  • Disability Claim form (AE2643) in Afrikaans Download form
  • Impairments and Accidental Injuries Claim
    form (AE2738) in English Download form
  • Impairments and Accidental Injuries Claim
    form (AE2738) in Afrikaans Download form
  • Declaration by Employer form (AE2736) in English Download form
  • Declaration by Employer form (AE2736) in Afrikaans Download form
  • Disability Cover Claim form (CPC004) for
    professional sportsmen and women in English Download form
  • Disability Cover Claim form (CPC004) for
    professional sportsmen and women in Afrikaans Download form

Please note, we may request additional information or supporting documents to process your claim.

Once you’ve completed the claim form and collected all the required documents, you can submit it to us in any of the following ways:

Upload your form
  • Upload your completed claim form and supporting documents
Upload
Send us your form

Alternatively, submit your claim by:

Next, we will assess your claim, request any additional information if required, and let you know of the outcome within 10 working days.

If you are unhappy with the outcome of your claim, you are welcome to appeal to us to reconsider, or you may refer your complaint to the Sanlam Arbitrator.

Income Protection claim

Please follow the instructions below if you have an income benefit that covers you for the inability to work because of an illness or injury. If a claim is approved it will be paid as a monthly income.

For Sanlam Indie claims, please visit the Sanlam Indie claims section for more information.

Disability income benefits cover you for illnesses and injuries that result in you being temporarily or permanently unable to do your occupation, resulting in a loss of income.

Please refer to your policy contract for specific information on what you’re covered for and for the requirements that must be met to qualify for a claim.

If you require more information, feel free to download our Claim Guide in English or Afrikaans.

The following are examples of benefits that are claimable under the Income Protection category:

  • Temporary Disability Income
  • Extended Disability Income
  • Overheads Expenses Protector

To prevent any delays in the assessment process, you’ll need the following, along with your completed claim form, to submit your claim:

  • Copies of all medical reports/certificates which indicate your sick leave period(s), as well as a report from your treating specialist(s)
  • The Declaration by Attending Doctor form (attached in the Claim form)
  • A copy of your ID
  • If you’re self-employed, please supply copies of bank statements six months prior to the claim event and then during the claim event, so we can determine the loss of income

Please note, we may request additional information or supporting documents to process your claim.

Once you’ve completed the claim form and collected all the required documents, you can submit it to us in any of the following ways:

Upload your form
  • Upload your completed claim form and supporting documents
Upload
Send us your form

Alternatively, submit your claim by:

Next, we will assess your claim, request any additional information if required, and let you know of the outcome within 10 working days.

If you are unhappy with the outcome of your claim, you are welcome to appeal to us to reconsider, or you may refer your complaint to the Sanlam Arbitrator.

Sickness benefit claim

Please follow the instructions below if you have a Sickness benefit. If a claim is approved it will be paid as a monthly income.

For Sanlam Indie claims, please visit the Sanlam Indie claims section for more information.

Sickness benefits cover you for being booked off on sick leave by a medical doctor.

Please refer to your policy contract for specific information on what you’re covered for and for the requirements that must be met to qualify for a claim.

If you require more information, feel free to download our Claim Guide in English or Afrikaans.

The benefit that is claimable under this category:

  • Sickness

To prevent any delays in the assessment process, you’ll need the following, along with your completed claim form, to submit your claim:

  • Fully completed claim form, including the declaration by the attending doctor or dentist
  • Legible copies of certificates of illness provided by the attending doctor or dentist
  • Sick note and any additional reports related to your illness

Please note, we may request additional information or supporting documents to process your claim.

Once you’ve completed the claim form and collected all the required documents, you can submit it to us in any of the following ways:

Upload your form
  • Upload your completed claim form and supporting documents
Upload
Send us your form

Alternatively, submit your claim by:

Next, we will assess your claim, request any additional information if required, and let you know of the outcome within three working days of receiving all information.

If you are unhappy with the outcome of your claim, you are welcome to appeal to us to reconsider, or you may refer your complaint to the Sanlam Arbitrator.

COVID-19 claim

Listed below are some frequently asked questions regarding COVID-19 and your Sanlam products.

What are my options if I am struggling to keep up with my premiums because of COVID-19?

Please talk to your Sanlam financial adviser to get information on the various options available to you.

Will I be covered for personal loss of income under the Sickness or Disability Income benefits?

The purpose of both Sickness- and Temporary Disability Income benefits is to cover the life insured’s inability to work as the result of an illness or injury. In the spirit of this purpose, Sanlam is extending our assessment of being unable to work, to include being medically isolated on medical advice of a doctor or by government authority, in response to direct or probable contact with COVID-19.

However, these benefits are not designed to cover business interruption as the result of such a lockdown, or general directives from professional bodies that are recommending the suspension of practising one’s occupation or certain aspects thereof. That is why governments, worldwide, announce certain measures to ease the financial burden on individuals and business alike in these times. Typically, though, such benefits are focused more on the poorer segments of society, for them to afford essential groceries, medication, etc., or on small businesses. It can also take the form of changes to taxation.

For the more affluent, business interruption cover can also be a short term insurance product, but then it has to be taken out beforehand. It will also be subject to the terms and conditions of those products.

Does contracting COVID-19 automatically present a disability, severe illness or impairment?

No, contracting COVID-19 is not a defined disability, severe illness or impairment. Based on international patterns, most people who are infected will make a full recovery. Should it result in permanent disability or impairment, or a condition listed under our one of our Severe Illness benefits however, this will be assessed under Sanlam’s normal claim definitions for disability, impairment or severe illness, if a client has these benefits.

How will Sanlam review my inability to work or sick leave linked to a COVID-19 claim?

When claiming under the Sickness and/or Temporary Disability benefits, we will review your temporary inability to work or sick leave under the following categories:

  1. You are experiencing symptoms of COVID-19 infection and are medically isolated
  2. You had direct contact with a COVID-19 diagnosed person, but you are not showing any symptoms and have been medically isolated as a result of the contact
  3. You have recently travelled to an affected country, but are still asymptomatic and under medical isolation on a doctor's advice
  4. You were quarantined by a Government authority or your employer as a result of confirmed or probable exposure to COVID-19, or because you have travelled to an affected country
What does Sanlam require from me to claim for illness, impairment or disability?

It will depend on the specific benefit you have. For our Sickness and Temporary Disability Income benefits, when claiming for sick leave or temporary inability to work as the result of COVID-19, we will require you, your doctor or employer to complete a special COVID-19 form to fast track these claims. For all the other benefits, like Death, Disability, Impairment and Severe Illness benefits the normal claim requirements will apply.

Are there special forms to complete if I want to claim for illness, impairment or disability?

Only for claims for sick leave or temporary inability to work under our Sickness and Temporary Disability Income benefits, a special COVID-19 Claim form will have to be completed by you, your doctor or employer, based on your specific claim. This will help to ensure that you experience an easier and fast-tracked claims process. You will still need to complete a standard Claim form as well.

For all the other benefits the normal claims requirements will apply.

Does Sanlam pay Death and Funeral benefits linked to COVID-19?

Sanlam pays all death claims in line with its normal requirements, regardless of what caused the death. For funeral claims we will, wherever applicable, take into account the waiting period for natural causes which applies for policies taken out recently.

One Medical Plan claim

Please follow the instructions below if you have a One Medical Plan. Sanlam’s One Medical Plan is not a medical aid but offers certain benefits should a client be hospitalised.

You can claim for One Medical Plan benefits after being discharged from hospital, or if you have been in the hospital for three days or more.

Only the benefits described by the terms in your contract will be covered.

If you require more information, feel free to download our policy brochure in English or Afrikaans.

The benefit that is claimable under this category:

  • One Medical Plan

To prevent any delays in the assessment process, you’ll need the following, along with your completed claim form, to submit your claim:

  • This form must be signed by the principal assured or his/her proxy
  • The Claim form must include the doctor’s particulars, addresses, telephone numbers and fax number
  • The operation report must be completed by a surgeon in full
  • If you claim for emergency transport, an emergency transport account must be provided
  • Should more than one member of a family claim at the same time, a separate Claim form in respect of each must be submitted
  • Copies of the hospital’s, surgeon’s and anaesthetist’s accounts related to the claim must be attached
  • Your claim must be submitted within three months of discharge from the hospital

Please note, we may request additional information or supporting documents to process your claim.

Once you’ve completed the claim form and collected all the required documents, you can submit it to us in any of the following ways:

Upload your form
  • Upload your completed claim form and supporting documents
Upload
Send us your form

Alternatively, submit your claim by:

Next, we will assess your claim, request any additional information if required, and let you know of the outcome within 10 working days.

If you are unhappy with the outcome of your claim, you are welcome to appeal to us to reconsider, or you may refer your complaint to the Sanlam Arbitrator.

Need assistance?

Total claims paid in 2016-2020

2016

R3 482.6m

2017

R3 622.7m

2018

R3 903.5m

2019

R4 378.3m

2020

R4 754.7m

At Sanlam, we find reasons to pay, not the other way around. We do this because we honour our commitment to you – our client. We’re in the business of helping people, which is why every client can rest assured that we are driven to pay on our promise.

So, when the unexpected happens, you can expect more from us. As testimony to this commitment, we’ve gone over and above to take care of our clients over the years.

Read More