Sanlam™ Medical Gap Cover Insurance – The Most Affordable

December 14, 2021

Sanlam™ medical gap cover insurance helps you even if you have the best medical aid plan.

Many South Africans are concerned that their funds have run out long before the year is over.

People are finding that they are facing more out of pocket medical costs, although they have a medical aid.

Gap cover isn’t part of your medical aid plan. And after your medical aid has paid the doctor or hospital you have to pay the shortfall.

South African medical aid scheme members can apply gap cover quote NOW. Just complete and then click to submit the form on this page


SanlamMedical Gap Cover Insurance is the Most Affordable 

The costs of gap cover vary, but premiums can start at anything from about R130 a month. Significantly, gap cover  fills the gap between amounts your medical aid pays and what your medical practitioner charges for in-hospital procedures.

Sanlam Medical Gap Cover InsuranceSanlam™ medical gap cover insurance is one of the most affordable there is. The company started in 1918 and is one of the biggest financial services groups in South Africa. Importatnly, they provide insurance, retirement advice and financial planning to their clients.

SanlamMedical Gap Cover Insurance Compared with Others

You can compare Sanlam medical gap cover insurance against any of the other major gap cover suppliers, nd you will find that Sanlam™ offers affordable options to suit you and your family.

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

People who belong to Discovery, Momentum Health or any of the other medical schemes in South Africa can apply for Sanlam medical gap cover insurance too.

To qualify for SanlamMedical Gap Cover Insurance you will need to –

  • belong to a registered medical scheme
  • be maximun of 60 years old or younger
  • request that special dependents be included

Sanlam™ medical gap cover insurance makes provision for you as the principal member, your spouse and children up to the age of 26 years. However, to qualify for Sanlam gap cover, all family members must belong to the same medical aid.

With Sanlam™ gap cover there are waiting periods involved as in the 12 month waiting period for pre-existing conditions as well as 12 months for maternity benefits.

Specialised dentistry is not covered by Sanlam gap cover. To enjoy this benefit, you must belong to the Comprehensive Plan and then you need to take note that it will only be covered in the event of tumours, cancer or trauma.

Other treatments that Sanlamgap cover does not include are –

● cosmetic surgery unless your doctor advises it as an absolute necessity
● obesity treatments. Also claims that are older than 6 months won’t be covered by Sanlam Gap cover.

Once your claim has been authorised, payment will be made into the principal member’s account, no service providers are paid directly by Sanlam.

Sanlam medical gap cover insurance is affordable. And with it you won’t have to worry about co-payments or excesses. Bear in mind that gap cover only pays for in-hospital care, and not the day to day medical expenses you may have.

Get one medical gap cover quote immediately by completing and sending the form on this page. Medical aid members only

All info was correct at time of publishing