In certain cases the cost for in-hospital procedures or outpatient treatment may exceed the base medical aid rate by 5-times. By taking out Sanlam Medical Gap Cover Insurance, you ensure that you and your family aren’t left with a large excess amount to settle.
Yes, the following waiting periods apply:
Claims are assessed by Xelus Pty (Ltd), the Sanlam Gap Cover administrator. Claims must be submitted within 6 months of an event.
Claim submissions can be sent to:
Fax: 086 501 8521
Or contact Xelus at: 0861 11 11 67
Download claim form
We require the following documents from you to process your claim:
Alternatively, if you sign an authority for Xelus to obtain the relevant claims information (on the claim form), they will obtain any outstanding supporting documents on your behalf. Claims are processed as and when it is received and claims are paid out on a daily basis.
An e-mail and SMS is sent to the member when:
Please note that payments will be made directly into the principal member’s bank account. By law, service providers may not be paid directly.