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Sanlam Comprehensive Gap Cover Plan

2022 Benefits

Individuals younger than 60 years
Families younger than 60 years
Individuals older than 60 years
Families older than 60 years


Tariff Shortfalls
The difference between the specialist’s fee and the medical scheme tariff.

Additional 5-times medical aid tariff

A sub-limit is a limit when a medical scheme imposes a Rand limit, known as a sub-limit, on certain in-hospital medical procedures or prosthetic devices and a shortfall occurs.

R57 500 per event/condition

The excess payable upfront to the hospital before treatment or a procedure.

Subject to the Core Benefit Limit

A deductible is a co-payment payable by a member on admission to hospital.

Subject to the Core Benefit Limit

Penalty Co-Payment

A maximum of two such events are covered under this benefit per annum and up to a maximum amount of R16 500 per event, subject to the Core Benefit Limit.

For further benefits please download the Sanlam Gap Retail Brochure for 2022


The excess payable upfront to the hospital before treatment or a procedure.

  • MRI Scans: A CT scan is best suited for viewing bone injuries, diagnosing lung and chest problems, and detecting cancers. An MRI is suited for examining soft tissue in ligament and tendon injuries, spinal cord injuries, and tumours. CT scans are widely used in emergency rooms because the scan takes less than 5 minutes. An MRI, on the other hand, can take up to 30 minutes.
  • Oncology: Oncology is a branch of medicine that deals with cancers and tumours.

MRI/CT Scans: Unlimited
Oncology sub-limits: Limited to statutory maximum of R177 800 per insured per annum

Accidental Casualty Benefit
The Casualty Benefit will pay for the facility fee and consultation associated with admissions into the emergency room or casualty ward of a private hospital.

Subject to a maximum of R16 500 per event.

Child Casualty Benefit
Child Casualty Illness: Child Casualty Illness: Benefits relating to this clause will only be paid in respect of emergency out-patient services that are provided within a casualty ward of a hospital. The benefit is only payable in the event of after-hours treatment in an emergency situation. After-hours is Mondays to Fridays between 18:00 and 08:00 and all-day Saturdays, Sundays and South African public holidays. The benefit payable is equal to the total cost of treatment less the amount paid by your medical scheme from your Hospital/ Risk Benefit. If payment is made from your available medical savings account, or from your own pocket, we will reimburse that too.

Subject to a maximum of two such events per annum and a maximum of R2 500 per event. Limited to children under age 12.

For further benefits please download the Sanlam Gap Retail Brochure for 2022


Hospital Cash Benefit
A cash payment you receive for every day you spend in hospital due to an accident or premature birth (more than 41 days before the originally expected natural birth date of 40 weeks).

If you’re a Sanlam Reality member, please refer to the Sanlam Reality section for more information on your Hospital Cash Benefit.

A maximum of two hospital episodes are covered under this benefit per annum, up to a maximum amount of R27 690 per annum. The benefit is payable from day one of the hospital episode: R450 per day from the 1st to the 13th day (inclusive). R820 per day from the 14th to the 20th day (inclusive). R1 610 per day from the 21st to the 30th day (inclusive). Max R27 690.00 per annum.

Family Booster
The natural or surgically assisted birth of 1 or more infants that occurs more than 41 days before the originally expected natural birth date of 40 weeks as verified by the clinical records of the mothers attending physician.

Lump sum benefit is R15 000.

Family Protector
The lump sum benefit is payable upon the death or permanent disability of an insured party due to accidental harm.

Limited as follows:

Children below 6 years: R20 000

All other insured parties: R30 000

Medical Scheme and the Sanlam Gap Policy Contribution Waiver
The benefit payable is equal to the monthly medical scheme and Gap contribution applicable after the qualifying event, multiply by 6 and subject to an overall annual limit. This benefit is limited to one event over the policy lifetime.

The benefit payable is subject to an overall maximum limit of R35 500.

Dental Reconstruction
The lump sum Benefit will only be paid in the event of Dental Reconstruction Surgery being required as a direct result of Accidental Harm or from Oncology Treatment that occurred after the Inception of this Policy.

A maximum of two such events are covered under this benefit per annum and up to a maximum amount of R49 900 per annum subject to the Core Benefit Limit.

Road Accident Fund Claims (RAF)

An end-to-end legal service is provided by the nominated service provider of Kaelo Risk to assist Insured members with legitimate claims against the Road Accident Fund.

For further benefits please download the Sanlam Gap Retail Brochure for 2022

Retirement Annuity - Buy Online

Tax-free Savings - Invest Online

Unit Trusts - Invest Online

Sanlam Smart Invest is a platform designed to help you set your goals, and reach them more easily than ever before. Our simple and easy to use online unit trust investment process helps you plan your savings journey and ensure you achieve it.

Start Now

It's the smartest thing you'll do today.

Funeral Cover - Buy Online

I, the Primary Covered Person of the Family Funeral Plan or Accidental Death Plan indicated herein as the "Plan", am subject to the following:

  1. Sanlam icover is a division of Sanlam Developing Markets Limited, a registered long-term insurer and licensed financial services provider. All references to Sanlam or Sanlam icover refers to Sanlam Developing Markets Ltd.
  2. The Plan will be administered by Sanlam icover in South Africa. All amounts relating to the Plan, particularly payments and benefits, will be expressed, calculated and paid in South African currency. All claims payments will be made in South Africa.
  3. I accept that no advice was provided to me through a Sanlam appointed broker or advisor, and the decision to purchase the Plan online was taken in my personal capacity and on my own volition.
  4. I accept full responsibility for informing Sanlam icover of any changes to the identification information provided (e.g. surname change, contact details etc.)
  5. I am aware that in terms of the Financial Advisory and Intermediary Services Act, 37 of 2002 (FAIS), I may request a copy of any document that I or someone on my behalf submitted to Sanlam icover that pertains to this Plan.
  6. In terms of the Prevention of Organised Crime Act (number 121 of 1998), I guarantee that the funds with which any payment is or will be made to Sanlam icover, in terms of this Plan, are derived from a lawful source. In addition, I declare myself willing to answer any questions with regard to the origin of such funds and to provide additional information when required by Sanlam icover.
  7. I understand that all information that I have captured will be recorded electronically in Sanlam icover’s computer system, and that a Membership Certificate for the Plan which I have purchased will be sent electronically to the email address I provided as part of the online purchase process. The electronic records of Sanlam icover’s computer system will form the record of this Plan and may be used as evidence at any proceedings.
  8. I guarantee that all information herein is complete and correct. This guarantee applies also to information which in Sanlam icover's reasonable opinion is relevant to the insurance risk and which is contained in other documents or provided telephonically. If any of the aforesaid information is not complete or correct, Sanlam icover may cancel this Plan. If this happens, all premiums paid in terms of this Plan will be forfeited.

Medical Gap Cover - Apply Online Now

Sanlam Comprehensive Gap Cover Plan Individual or family monthly premium:

  • Individual
    0-59 years R233pm
    60+ years R466pm
  • Families
    0-59 years R409pm
    60+ years R815pm

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Experience the freedom and peace of mind of Go Cover.

Online Will - Draft Your Will

Personal Loans




Ask Sanlam

The earlier you start saving, the better. If you cannot save the recommended amount, save whatever you can afford. You can also add some of your bonus payments to your retirement annuity.

The Sanlam Retirement Annuity is designed to inspire you to start saving for a comfortable retirement and to help you stay motivated to keep going and stay on track. It is one of the most cost effective savings options available, combined with investment peace of mind.

Your retirement savings are managed on your behalf
The Sanlam Retirement Annuity offers an investment facility where your savings are gradually switched as you get closer to retirement, at an extremely low cost. Therefore you do not have to study the markets yourself to make investment decisions - instead you have complete peace of mind for the duration of your investment.

Added value of the Echo Bonus
Sanlam will boost your retirement savings by adding an additional amount, called the Echo Bonus, at retirement or termination. The longer you save, the bigger the bonus.

Cost-effective savings option
The Echo Bonus makes the Sanlam Retirement Annuity one of the most cost-effective savings options in the market.

The Echo Bonus is an amount that will be added to your fund value when you retire, or end the plan. The more payments you make, the higher your Echo Bonus.

Your Echo Bonus is always a percentage of your fund value. The Echo Bonus percentage depends on the term for which payments have been made. The longer the term, the higher the Echo Bonus percentage.

The Echo Bonus percentages for the online Sanlam Retirement Annuity are indicated in the following table if you are paying recurring monthly payments.

Term in years Echo Bonus % (Recurring)
0 0
5 7
10 15
15 25
20 35
25 55
30 75
35 95
40 115

The Echo Bonus percentages for the online Sanlam Retirement Annuity are indicated in the following table if you are investing with a one-off payment.

Term in years Echo Bonus %
0 0
5 3
10 10
15 20
20 30
25 40
30 50
35 60
40 70

To receive retirement annuity benefits, you must be a member of a Retirement Annuity Fund. For the Sanlam Retirement Annuity, this is the Central Retirement Annuity Fund. You automatically become a member of the Central Retirement Annuity Fund when you take out a Sanlam Retirement Annuity.

The Central Retirement Annuity Fund takes out a plan with Sanlam Life Insurance Limited on the member’s life, in order to provide the retirement benefits. The Fund, and not the member, is the plan holder.

The current charges for the Sanlam Retirement Annuity:

Marketing and administration charge

The charge is calculated on a monthly basis, which means the percentage is divided by 12 to calculate the monthly amount. This charge is subject to a minimum rand amount that will be increased gradually over 24 months from R0 per month on the start date of the plan to R52.50 per month. This current minimum rand amount will be increased from time to time to allow for inflation.

The marketing and administration charge changes as the fund value increases to higher fund value bands. The following marketing and administration charge is applicable:

Recurring Fund value band Yearly marketing and administration charge % of the fund value of the plan
First R500 000 4.00
Excess above R500 000 3.50


If you prefer to select your own funds and will be investing recurring monthly payments, the following marketing and administration charge is applicable:

Fund value band Yearly marketing and administration charge % of the fund value of the plan
First R500 000 4.20
R500 001 - R1 000 000 3.75
Excess above R1 000 000 3.50


Investment Management Charges
An asset manager charges fees for investment research and selecting the underlying assets for a specific investment fund. These fees are taken into account in the calculation of the daily unit price of the investment fund. The published performance figures of the investment fund are therefor net of these fees.

Investment fund Yearly % of market value
SATRIX Dynamic Balanced Fund 0.2
Wealth Protector 0.4

If you select your own funds, the Investment Management Charge is the weighted average of the selected investment funds. The value of the Investment Management Charge for each of the available investment funds is shown on the fund selection table and in the fund fact sheet for that fund.

A transaction charge is applicable for each of the changes below. The charge is currently the smaller of R300 and 1% of the fund value.

  • Reducing or stopping of the recurring payment;
  • Taking an early retirement benefit;
  • Terminating the plan.

This transaction charge will not be taken for changes made after the planned retirement date.

If you are invested in the default fund and want to add the ability to select your own funds, you will be charged R300.

As soon as your application has been processed, you will have 30 days in which to examine the contract documents, and decide whether you wish to continue with the plan.

If the plan does not meet your requirements, and if you have not made any changes to it, you can cancel it by notifying us in writing during this period. We will then refund any payments you have already made. If the assets in which the payments were invested have decreased in value, or if you have already received benefits from the plan, we will reduce the amount to be refunded to you accordingly.