Sanlam Gap Cover

Compare Sanlam's Gap Cover against other major gap cover suppliers and find the solution that best suits you and your family

Brought to you by the people that have been bringing you broker-fee-free gap cover since 1999

NB. The Sanlam Standard option is no longer available but they have opened up the Comprehensive plan to all ages, at added cost for those 60 and over.

KaeloXelus is registered with the Financial Services Board as an underwriting manager ("UMA") and they distribute their products exclusively via independent intermediaries. Centriq fully underwrites all their insurance products.

Product Solutions

Sanlam offers two product solutions, namely Comprehensive Gap Cover and Standard Gap Cover.Maximum entry age is 59 years. These products are outlined below:

Sanlam Comprehensive (up to 59 yrs of age): R198 pfpm

In-Hospital Treatment/Benefits

  • Tariff shortfalls: Up to 500% of scheme tariff
  • Unlimited Co-Payments
  • Unlimited Deductibles
  • Sub Limits: R33,000 per event/condition

Out-of-Hospital Treatment

  • Oncology Co-Payments pbpa; no formulary on Biologicals; no list of defined conditions; excludes pre-existing cancer
  • Out-Patient Treatment: Co-Payments — unlimited MRI/CT scans; 500% tariff cover for oncology, dialysis, Surgical Wisdom Extraction, Scopes & Home Births (unlimited); Emergency Casualty Benefit (accidental only) up to R7,500 per event (max of R15,000 pa)

Sanlam Comprehensive (60 yrs and older): R400 pfpm

In-Hospital Treatment/Benefits

  • Tariff Shortfalls: Up to 500% of scheme tariff
  • Sub Limits: R13,000 per event/condition

Out-of-Hospital Treatment

Emergency Casualty Benefit (accidental only) up to R5,000 per event (maximum of R10,000 pa)


Packages

SupplierPackage NameDescriptionIndividual PriceFamily PriceAdditional CoverUnderwriting
SANLAMStandard Gap500% Tarrif Gap; Sub Limit cover
Individual
R166.00
Per Month
Family
R166.00
Per Month
Casualty cover; Death/Disability benefit, Premium Waver; Premature birth benefit; Hospital cash back (Sanlam Reality Members get enhanced features).General 3 month. 12 month on pre existing conditions and pregnancy/childbirth.
SANLAMComprehensive Gap500% Tarriff Gap; Co-Payment; Sub-Limit cover; Oncology
Individual
R198.00
Per Month
Family
R198.00
Per Month
Casualty cover; Death/Disability benefit, Premium Waver; Premature birth benefit; Hospital cash back (Sanlam Reality Members get enhanced features).General 3 month. 12 month on pre existing conditions and pregnancy/childbirth.