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Critical Illness Cover

Relieve the financial burden of living with a critical illness.

Being diagnosed with a critical illness is no longer a death sentence and people can still live productive lives. However, to recover or to maintain your health can be very expensive, even if you have medical aid. Sanlam’s Critical Illness Cover offers maximum choice and flexibility and eases the long-term financial burden of living with critical illness.

Critical Illness Cover

Maximum choice and flexible cover for illnesses.

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Sanlam's Critical Illness Cover

Excellent cover at attractive rates with the flexibility to add to your benefits.

Sanlam's Critical Illness Cover offers maximum choice and flexibility as well as higher cover amounts at attractive rates. You can combine life insurance, disability cover, critical illness cover and income protection with additional offerings, such as accident cover. The type and level of cover you need depends on your personal needs and circumstances. We recommend that you speak to a financial planner to help you select the most appropriate cover.

  • The insurance covers additional medical expenses not covered by your medical aid and provide for unplanned expenses associated with adapting your lifestyle
  • We mostly pay out 100% of the cover when you are diagnosed
  • Our Critical illness covers four most common severe illnesses - cancer, heart attack, stroke and coronary artery bypass
  • We also cover an additional list of illnesses in addition to the four severe illnesses above, that cause serious impairment and inability to work, as well as a catch-all claim event that pays for illnesses that are not on our list if it causes serious impairment
  • You can add a Cashback benefit to your plan at an additional cost of 35% on premiums. With this benefit, if your cover is still intact for 15 years, you will receive a 100% of your premiums paid for this cover back in cash.
  • Contact your financial planner for more information on how to apply for the Cashback benefit and what it can mean for you

You make monthly payments until you are diagnosed with one of the insured diseases. When diagnosed you receive a one-off pay-out. We pay 100% of the cover amount for the least to most severe levels of cancer, heart attacks, stroke and coronary artery bypass grafts.

The cost of the insurance will depend, among other things, on your age and your risk profile when you take out the plan.

When you take out life insurance, various types of underwriting like medical tests and questions about your lifestyle and occupation take time and therefore affect how long it takes to issue your plan. At Sanlam we know that your time is precious and we know that some people really don't like the idea of going for medical tests.

That's why we now offer you a choice between two options:

Express cover offers a simplified underwriting process at competitive rates.

  • Cover of up to R1 million requires no medical tests and you would need to answer only seven health questions
  • For cover above R1 million, we will ask only 12 health questions and you may be selected for a random Nicotine (smoker) test and a random verification of your height and weight
  • Random Nicotine tests are only applicable to non-smokers and do not necessarily need to involve a blood test - we also accept urine tests
Matrix cover involves traditional underwriting which involves a longer list of health questions and could include medical underwriting requirements like blood tests, medical examinations and past reports. In exchange, it provides a larger selection of benefits and higher amounts of cover at our most competitive rates.

Sanlam Reality members on the Reality Plus and Reality Health membership options can get discounts of up to 30% on qualifying risk products.
Speak to a financial planner and find out more.

Online Insurance Quote

This tool will help you understand what the kind of cover you want may cost you each month. You can select Life, Disability, Dread Disease, Accidental Injury or Accidental Disability cover.

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