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Severe Illness Cover

Relieve the financial burden of living with a severe illness.

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:

  • 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

Severe Illness Cover

Maximum choice and flexible cover for illnesses.

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Whatever your needs, we’ve got you covered.

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Sanlam's Severe Illness Cover

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

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

Cancer (including early cancers), leukaemias, lymphomas and tumours.

Cardiovascular

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.

  • You can add a Cashback benefit to your plan at an extra cost of 35% on your monthly payments. The Cashback benefit, pays you 100% of your monthly payments after 15 years, if your cover is still in place at the time. The payment of the benefit after 15 years excludes payments for any increases in cover.
  • Contact your financial planner for more information on how to apply for the Cashback benefit, what it can mean for you and the conditions applicable to this benefit.
  • 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

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
  • We will ask you only 12 questions and at most two verification tests for randomly selected individuals: one for smoking (nicotine) and another for 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.

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.

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