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.
Maximum choice and flexible cover for illnesses.
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How to submit your claim.
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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.
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.
Sanlam Indie Critical Cover can help with the following extra costs not taken care of by medical aid and/or gap cover:
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.
Severe Illness Cover can help with the following extra costs not taken care of by medical aid and/or gap cover:
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.
Life happens, and it pays to be prepared. Sanlam’s wide range of comprehensive insurance products are aimed at helping you ensure your financial responsibilities are taken care of, even when you’re no longer able to do so yourself.