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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.
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.
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.
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.
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:
Other things to consider:
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.
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.