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Severe Illness Cover

If you get cancer or another serious condition, we help you conquer it with a tax-free payout.

More people are diagnosed with Cancer and other serious conditions these days than ever before. But with the right support, more people can fight back. If you’re diagnosed with a serious illness, Sanlam Severe Illness Cover helps cover potential expenses like employing a carer, the cost of treatment not covered by medical aid and gap cover, and adjustments to your lifestyle.

Get quoted and covered online in under 10 minutes with Sanlam Indie, or speak to a Sanlam financial adviser about a personalised insurance solution.

Severe Illness Cover

Maximum choice and flexible cover for illnesses.

Buy Online

Get quoted, buy online and get a free Wealth Bonus.

Claims

How to submit your claim.

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Expert financial advice at your fingertips.

Why Choose Sanlam Severe Illness Cover?

Sanlam Severe Illness Cover offers maximum choice and flexibility at attractive rates. If you’re diagnosed with any of our listed serious conditions, this cover pays out to ease the burden on you and your family by helping pay the associated costs.

The amount of insurance you require will depend on your personal needs. If you would like to structure your insurance to suit your current life stage, you can speak to a financial planner about Matrix Express Severe Illness Cover or Matrix Premier Severe Illness Cover.

 

 

Indie Critical Illness CoverIndie Critical Illness Cover<p>Maximum cover</p><h3>R5 million<br></h3><p>Premium</p><h3>Get a guaranteed quote online in minutes</h3><p>from R100 p/m</p><br><p> </p><p> <b>Features:</b></p><ul><li>Pays 150% of cover for certain aggressive cancers</li><li>Free built-in Wealth Bonus</li><li>Flexible premiums</li><li>Get quoted and covered in under 10 minutes</li><li>Immediate cover</li></ul><br>/personal/insurance/personal-and-family-insurance/Pages/severe-illness-cover.aspx#indieFaqhttps://www.indiefin.com/start/?utm_source=sanlam&utm_medium=button&utm_campaign=critical_illness&utm_content=product_card&utm_term=buy_onlineBUY ONLINEOrange
Matrix Express Severe Illness CoverMatrix Express Severe Illness Cover<p>Maximum cover</p><h3>R5 million</h3><br><p>Premium</p><h3>Calculated by adviser<br></h3><p> <br></p><p> <b>Features:</b></p><ul><li>Ideal if you require up to R5 million cover<br></li><li>Answer only 13 health questions</li><li>Random medical tests may be required </li><li>Add a <a href="/personal/insurance/personal-and-family-insurance/Pages/cashback.aspx" class="smallLink">Cashback benefit</a>, receive up to 100% of your payments back after 15 years</li></ul> <br>/personal/insurance/personal-and-family-insurance/Pages/severe-illness-cover.aspx#FAQCONTACT ADVISERBlue
Matrix Premier Severe Illness CoverMatrix Premier Severe Illness Cover<p>Maximum cover<br></p><h3>R6 million</h3> <br><p>Premium<br></p><h3>Calculated by adviser</h3> <br> <p>Save with Sanlam Reality</p><p> <br></p><p> <b>Features:</b></p><ul><li>Ideal if you require R6 million cover</li><li>Possibly requiring medical tests<br></li><li>Save up to 30% on premiums with Sanlam Reality</li><li>Add a <a href="/personal/insurance/personal-and-family-insurance/Pages/cashback.aspx" class="smallLink">Cashback benefit</a>, receive up to 100% of your payments back after 15 years</li></ul> <br> <br>/personal/insurance/personal-and-family-insurance/Pages/severe-illness-cover.aspx#FAQCONTACT ADVISERBlue

Get Quoted and Buy Online

With Sanlam Indie, you’ll get fully quoted and covered online in under 10 minutes.

Even better, every Sanlam Indie policy comes with a free built-in Wealth Bonus.

Whether you know exactly what you want, or need help working out a comprehensive Life and Disability Insurance plan, we’ll guide you every step of the way.

Get a quote & buy

Sanlam Indie: Frequently Asked Questions

Sanlam Indie Critical Cover can help with the following extra costs not taken care of by medical aid and/or gap cover:

  • Additional monthly costs such as employing someone to care for children (nanny or au pair) and the home
  • The financial impact of taking extended time off work to speed up recovery
  • Travel and accommodation expenses to treatment centres

Critical illness cover pays you a lump sum if you're diagnosed with cancer or one of the other serious conditions we cover. This means that, if you get a dread disease, the cover will be paid out in one go.

Most people choose to have at least R350,000 of cover, or about 6 months of income (after tax but before other deductions) if that’s higher.

Your cover amount will automatically grow each year with inflation, but you can choose to opt out of this growth (in order to reduce your premium).

The Sanlam Indie calculator will help you work out how much cover you need in just minutes.

Your premium is determined by your age and risk profile when you take out the cover. To get a guaranteed quote in just 10 minutes, use the Sanlam Indie calculator.

Sanlam Indie lets you proactively skip premiums without losing all your cover or reducing your Wealth Bonus.

Get any Sanlam Indie policy and we’ll match up to 100% of your monthly premium in an investment - at no extra cost.

Your Wealth Bonus grows with your premiums and with the market. Over the years, those contributions really add up and so does the growth. You can access 10% of it every 5 years, and all of it (including years of growth) at 70. You can learn everything you need to know on the Wealth Bonus page.

Matrix Express Severe Illness and Matrix Premier Severe Illness: Frequently Asked Questions

Severe Illness Cover can help with the following extra costs not taken care of by medical aid and/or gap cover:

  • Additional monthly costs such as employing someone to care for children (nanny or au pair) and the home
  • The financial impact of taking extended time off work to speed up recovery
  • Travel and accommodation expenses to treatment centres
  • You make monthly payments for the period of cover you have chosen
  • You will receive a tax-free pay-out when you are diagnosed with a listed severe illness which is explained in your policy contract
  • The pay-out will be a lump sum or monthly pay-out depending on the benefit you have selected
  • We recommend you speak to a financial planner to help you select the option that is best suited to your needs

We’ll help you determine the amount of cover you require and create a tailor-made solution for your specific needs.

Speak to a financial planner to help you determine the amount of cover you require.

Your premium is determined by your age and risk profile when you take out the cover. To find out how much you’ll pay contact a financial planner.

Sanlam Reality members on the Reality Plus and Reality Health membership options can get discounts of up to 30% on Matrix Premier risk products. For more information on how to join, visit the Sanlam Reality website.

The layman’s terms are intended to give a better understanding of the claim event relating to Sanlam’s severe illness benefits. The definitions of the claim events as described under "Explanations" in your contract documents are the only contractual definitions applicable. A claim will only be considered if the life insured meets the contractual definition for a claim. Medical evidence will be required by Sanlam where applicable.

Download the Layman’s Terms document

Let us contact you with an obligation-free quote.

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