You can take out severe illness cover for yourself or your spouse. Sanlam also has a Child Illness and Injury benefit that you can take for your child. For people who are not members of your nuclear family or adult children, you can be the premium payer. For example, if your mother or adult daughter needs severe illness cover but they cannot afford the premium themselves, they can apply for a benefit and make you the premium payer. Any claim will then be payable to them, but you can help to pay the premiums.

Please consult with a financial planner before you take any action regarding your policies.

A severe illness benefit pays out if you are diagnosed with one of the illnesses covered by the benefit. Remember to check your policy contract or chat to your financial planner about applicable survival periods. It’s good to know that a death benefit pays out if you pass away, and you can add more than one benefit to the same policy, for example a death benefit as well as a severe illness benefit.

Please consult with a financial planner before you take any action regarding your policies.

You have the option to choose between a Cancer-only benefit and a Comprehensive Severe Illness benefit that will cover you for a myriad of diseases, including cancer. You can also consider taking both, so that you are covered for a broad range of diseases but have additional cancer cover if cancer is your main concern. It’s best to speak to a financial planner to understand which option makes the best sense for you, depending on your individual needs and concerns.

Please consult with a financial planner before you take any action regarding your policies.

As part of the application, you will need to answer questions about your health, finances, occupation and lifestyle. This will help us determine whether we can accept your cover, how much cover is offered to you, the premium amount and the terms that apply. All questions are to be answered honestly and truthfully. Failure to do so may result in claim payouts being reduced or claims being declined.

Please consult with a financial planner before you take any action regarding your policies.

Being sick does not necessarily exclude you from cover. During the application process we will ask you questions about your health, and based on your answers determine whether the cover can be accepted and whether, due to existing medical conditions, there is a need for any exclusions and/or medical loadings to be placed.

Please consult with a financial planner before you take any action regarding your policies.

We’ve worked with our service providers and the relevant safety precautions and methods to safely reintroduce medical testing where possible, while also giving you four options to consider when applying for cover:

1. To visit your own doctor
2. To visit one of the preferred labs, in other words, PathCare, Lancet, Vermaak & Partners, TogaLabs, Ampath, and Global
3. To visit a medical testing nurse at one of our Sanlam offices
4. To request for a medical testing nurse to visit you at home

Please consult with a financial planner before you take any action regarding your policies.

Risk cover becomes more expensive as you grow older, so the earlier you take out cover, the cheaper it will generally be. There is also a risk that if you wait too long and become sick before you take out cover, you are not able to get cover or need to pay much more for it.

Please consult with a financial planner before you take any action regarding your policies.

Medical aid is important and severe illness cover does not replace it. It however complements it, as it can be used to pay for various other expenses associated with becoming ill, like travelling expenses to treatment facilities, employing additional help with childcare and delaying return to work in favour of a speedier recovery.

Please consult with a financial planner before you take any action regarding your policies.