Now you can get a cheap gap policy from Sanlam

December 14, 2021

It doesn’t matter how good your medical aid plan is, sometimes it won’t pay the entire amount. That’s why you need a cheap gap policy. Being cheap doesn’t mean it’s inferior.

There’s no need to look for a new plan as all medical aid plans have a shortfall issue.

It is rather a case where the fees charged by the health care practitioners outstrip the limits that your medical aid set.

This often happens when medical professionals charge fees more than normal medical aid rates.

Now it becomes quite clear why you could run out of cover fast. Gap cover was designed to take care of the difference.

What you need is a cheap gap policy from Sanlam

Cheap gap policy

Sanlam understands that you want good, solid cover at a reasonable price. And, after almost a century in the insurance market, it knows how to meet that need.

How reasonable is the price?

Sanlam Gap Cover offers the Comprehensive Gap Cover at R252 (younger than 60 years) and R605 (60 years and older).  This includes in-hospital treatment and some out-of-hospital treatment benefits.  Enhanced hospital cash benefits are only available to Sanlam Reality members.

For more information on the list of additional benefits and exclusions please check out the PDF document at SPF757_Gap Cover_Top Performer May 2018


Who Qualifies for Cover?

While the criteria are not as strict as life cover, there are conditions that apply:

  • You need to be a member of a registered medical aid plan
  • If you are 61 or over, you will not qualify
  • The cover is available for your children as well if they are under 27
  • You can include your dependents when applying.

When does the cheap gap policy cover start?

There is no immediate cover, it only starts after three months. Special circumstances, such as pregnancy or a pre-existing condition takes a year to come into effect.

A cheap gap policy is a no-frills policy. Not included is elective, non-essential surgery and dentistry. So, for example, if you want to have your stomach stapled, you will not be covered.

If on the other hand, you need reconstructive surgery due to a car accident, you are insured. The policy also makes provisions for cosmetic surgery that is necessary as a result of having cancer.

This cover is strictly for expenses you rack up in the hospital. Not covered are normal GP visits or check-ups.

Isn’t gap cover a luxury item?

Thirty years ago, it would have been seen as such but times have changed. Medical aid providers are becoming stricter about what they will and won’t pay.

You cannot blame them when you consider the amount of fraud out there.

Gap cover is a luxury item if you can guarantee that you are never going to be hospitalised. If you cannot guarantee that, then it becomes a necessity.

To get a single FREE medical gap cover quote, just complete and then click to submit the form on this page

All info was correct at time of publishing