Medical Insurance | Medical Aid & Gap Cover | Sanlam
Skip Ribbon Commands
Skip to main content

Invest

Advice

Service

Invest Online Back

Call me back

By clicking on CALL ME, you acknowledge that you have read our privacy policy.

Email us

By clicking on SEND, you acknowledge that you have read our privacy policy.

Back

Call me back

By clicking on CALL ME, you acknowledge that you have read our privacy policy.

Email us

By clicking on SEND, you acknowledge that you have read our privacy policy.

Email us

By clicking on SEND, you acknowledge that you have read our privacy policy.

Skip Navigation LinksInsurance

Health Solutions

The ideal medical scheme, paired with products like gap cover, should be cost-effective while providing the benefits you and your family need.

Sanlam partners with accredited healthcare advisers in South Africa who can provide you with a choice of quality medical insurance solutions and help you find the best medical scheme for your current circumstances and needs.

Our Partners

Sanlam has partnered with Bonitas and Fedhealth medical schemes to provide a comprehensive range of value-for-money healthcare options, ensuring you get the most appropriate medical scheme option for your current circumstances and needs.

Bonitas is the second largest medical aid scheme in South Africa and has been providing reliable healthcare solutions since 1982. To remain member-centric, they continue to look at innovative ways to offer affordable and comprehensive benefits.

Read more

As one of the oldest medical aid providers in South Africa, Fedhealth is about giving members peace of mind about their healthcare during every life stage. They offer affordable healthcare solutions that ensure more choice, flexibility and control.

Read more

What Is the Difference Between Medical Aid and Medical Insurance?

Medical aid schemes are governed by the Medical Schemes Act and have to adhere to a list of very specific rules and regulations that include open enrolment, standard-rate fees and cover for the diagnosis and treatment for a list of Prescribed Minimum Benefits (PMBs). Payments are normally made directly to the hospital or service provider.

Medical insurance products, on the other hand, fall under the Short-term Insurance Act with specified benefits that pay out a defined amount per day or per incident, irrespective of the medical treatment needed. Payments are made directly to the client who stays responsible for payment to service providers.

What to Look for When Choosing a Medical Scheme

Although it is impossible to predict future illnesses, you must ensure that the option you decide on will adequately cover you for your current needs. It is important to consult with a Sanlam Financial Planner who will determine your needs and provide advice on the most suitable option for you.

With a wide range of options available, you are able to select between savings, traditional, virtual, hospital and income-based options. You need to choose wisely so that you and your family are covered for everyday medical incidents, as well as those life-changing events such as pregnancy, accidents, or the diagnosis of dread diseases.

Key things to consider when choosing your medical aid option:

  • Your life stage and age: If you’re a single professional, your healthcare needs will be totally different from those of the mom with three young kids, or a mature couple
  • Your health: Chronic and dread diseases are a reality from which anyone can suffer. However, if there’s a history of certain diseases in your family, there’s a chance that they might become a reality for you somewhere down the line. As such, it’s much better to be prepared and enjoy comprehensive medical cover when you need it.
  • Your pocket: It pays to shop around until you find the right option that addresses your and your family’s needs and budget.

Other things to consider:

  • You may have to use a set provider network in order to get full cover for certain treatments
  • Study your product brochure to make sure of what is excluded on your option, or the co-payments on certain in-hospital procedures
  • Find out about the chronic medicine formularies, designated service providers and the maximum amount the scheme is willing to pay
  • Certain waiting periods may apply before you are covered for a specific condition
  • It is crucial to share your full medical history when signing up for a new medical aid to avoid the scheme’s refusal to pay out claims in future due to non-disclosure
  • Make sure you know how the option covers oncology, dialysis and HIV

What About Gap Cover?

From R219 for individuals, and R385 for families, Sanlam Medical Gap Cover Insurance provides towards the difference between what your medical aid pays and the rates charged by medical specialists.

In certain cases the cost for in-hospital procedures or outpatient treatment may exceed the base medical aid rate by an additional five times. By taking out Sanlam Medical Gap Cover Insurance, you ensure that you and your family aren’t left with a large excess amount to settle.

Find Out More

Speak to An Expert

If you need help deciding what your next steps should be, speak to a Sanlam Healthcare Consultant who can help you make the best choices for you and your loved ones.

Invest

Advice

Service

Invest Online Back

Call me back

Email us

Back

Call me back

Email us

Email us

Sanlam Life Insurance is a licensed financial service provider.
Copyright © Sanlam