Gap Cover From Sanlam for Cape Medical Aid

December 14, 2021

Yes, there is gap cover for Cape Medical Aid members. Look no further than Sanlam.

Gap Cover for Cape medical aid provides cover when you need it most. It’s those unexpected injuries or illnesses that put you into the hospital for who knows how long.

You’ll no doubt require expensive medical treatment, and some of these procedures may well not be covered by your medical aid.

That’s when gap cover insurance becomes so important – it pays the shortfall amount in full so that you don’t have to.

gap cover for cape medical aid
A Reputable, Established Gap Cover Provider

Sanlam is a gap cover provider, and they startecd way back in 1918 already. Headquartered in Cape Town, they are a financial services group and their gap cover is underwritten by Centriq Insurance Company Ltd.

Established as a life insurance company, today they are a financial services business. One of their products is gap cover. Gap cover isn’t a medical aid but is underwritten by short-term insurance companies. All South Africans, including Cape medical plan members, qualify for Sanlam gap cover.

Most medical schemes in South Africa offer different plans, and while some plans require you to pay a premium of R4 000 a month, these plans are still in many instances unable to pay its member’s medical bills in full.

Gap cover  for Cape Medical aid members – what Sanlam offers

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

There are so many good reasons to invest in medical gap cover from Sanlam:

      • The cover includes the primary member as well as their family which includes dependent children up to the age of 26.
      • Unfortunately such good cover is only available to people below the age of 60.
      • Cape Medical Plan members qualify for gap cover. When claiming, they need to complete the claim form, sign it and attach all the relevant documents. Members will receive notification via email or SMS on receipt of the claim. That will take seven working days to process. Upon approval, they will deposit your funds into your personal bank account. In many cases, the cost for in-hospital procedures or outpatient treatment will exceed the base medical aid rate by as much as 5x. Without gap cover for Cape medical aid, you’re going to have large excesses to settle and add terrible financial stress for 2018.


Get a medical gap cover quote by completing and submitting the short form on this page!

All info was correct at time of publishing