No matter your age or how healthy you are, anyone can be diagnosed with a severe illness. To get the right treatment and to pay for additional costs of a diagnosis can be very expensive even if you have medical aid or gap cover. Medical aid helps you to pay for medicine, specific treatment and hospital accommodation. Gap cover pays for the difference between what your medical aid pays while in hospital and specific out of hospital costs, subject to certain limits. Severe illness cover can help with the following extra costs not taken care of by medical aid and/or gap cover:
Maximum choice and flexible cover for illnesses.
Whatever your needs, we’ve got you covered.
Expert financial advice at your fingertips.
Sanlam’s Severe Illness Cover will pay out if you are diagnosed with one of our listed severe illnesses. You have different options to choose from depending on your needs and affordability. We offer Cancer cover, Cardiovascular cover and Comprehensive Severe Illness cover. The type and amount 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.
Cancer (including early cancers), leukaemias, lymphomas and tumours.
Illnesses related to the heart and blood vessels. e.g. heart attacks, coronary artery bypass grafts and strokes.
Comprehensive Severe Illness
Comprehensive benefits which provide cover for all body systems.
More than 300 claim events covering various severe illnesses, impairments, injuries and infections.
Cancer and cardiovascular cover is also included.
Child Illness and Injury
Children’s benefits which cover your children for child-specific illnesses, impairments, infections and injuries.
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.
Express cover offers a simplified underwriting process at competitive rates.
Terms for severe illnesses which form part of the Severe Illness Cover benefits are explained in this downloadable document.
This document should be read in conjunction with the contract documents. If there is any conflict or inconsistency between the contents of the contract documents and this document, the provisions of the contract documents will prevail.
Download the Layman’s Terms for Severe Illness Benefits
Sanlam Reality members on the Reality Plus and Reality Health membership options can get discounts of up to 30% on qualifying risk products. For more information on how to join, visit the Sanlam Reality website.
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.