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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.

Severe Illness Cover

Maximum choice and flexible cover for illnesses.

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 to 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 adviser about Matrix Express Severe Illness Cover or Matrix Premier Severe Illness Cover.

 

 

Indie Critical Illness Coverhttp://www.sanlam.com/productcatalog/SanlamProducts/Pages/Indie-Critical-Illness-Cover.aspxIndie 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#indieFaq
Indie Critical Illness Coverhttp://catalog.sanlam.com/productcatalog/SanlamProducts/Pages/Indie-Critical-Illness-Cover.aspxIndie 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#indieFaq
Matrix Express Severe Illness Coverhttp://www.sanlam.com/productcatalog/SanlamProducts/Pages/Matrix-Express-Severe-Illness-Cover.aspxMatrix 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

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 six 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).

Your premium is determined by your age and risk profile when you take out the cover.

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 five 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 payout when you are diagnosed with a listed severe illness which is explained in your policy contract
  • The payout will be a lump sum or monthly payout depending on the benefit you have selected
  • We recommend you speak to a financial adviser 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 adviser 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 adviser.

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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