Having a good medical aid plan sure is wonderful, but it’s not enough. Don’t for one minute think that a medical aid plan covers you for every illness and every stint in hospital, because it doesn’t. You need Sanlam gap cover to fill the gaps.
Get gap cover from a trusted provider
It is exactly why gap cover is around – to help you out when medical aid drops you. Medical top-up insurers know too well the shortfalls of medical aids. They want to step in when your medical aid steps down with their responsibilities.
Sanlam’s gap cover will provide financial assistance for those in-hospital specialist bills which your medical scheme won’t cover. People put their trust in Sanlam – after all the company that has been in existence since 1918. The medical gap cover they provide is coming from a reputable, reliable source as Sanlam is one of the biggest financial services groups in the country.
Your medical aid works according to an annual medical aid rate – a base rate charged by doctors for all procedures. Medical aids will only pay up to a certain percentage of this rate.
If these medical doctors charge more than this rate, then who is going to pay for that excess amount? None other than you – the medical aid member. You already pay a huge premium each month and then your cover isn’t adequate. Somehow this excess amount has to be paid and it’s medical gap cover that comes to the rescue.
We all know how massively expensive medical procedures are, and without gap cover you could be left with medical bills that run into thousands of Rands.
Sanlam’s gap cover for ALL medical aid members
Sanlam is one of the best gap cover providers in South Africa. Their cover is for all medical aid members in South Africa. Their gap cover is also for individuals and for families.Their excellent Sanlam Comprehensive Gap Cover Plan comes with a general waiting period of 3 months and a 12 month waiting period for pre-existing conditions.
Some of Sanlam’s core gap benefits –
• Tariff Shortfalls
• Co-Payments and Sub-Limits
• Oncology Tariff Shortfalls and Sub Limits. Also co-payments
• Accidental Casualty
• Innovative Medicines
Sanlam also has their Benefit Extender which doesn’t form part of the overall annual limit. Included in this Extender are Family Booster, Family Protector, Dental Benefit, Hospital Booster, Medical Scheme and Gap premium waiver.
Some exclusions
There will be some treatments not paid for by Sanlam Gap and these include any specialized dentistry such as crowns and implants. Cosmetic surgery isn’t included either.
Make sure your claims are complete
With Sanlam, once you have a valid claim, simply complete the Sanlam Gap Cover claim form which they provide for you online. You can also request a claim form from sanlaminfo@kaelo.co.za.
When submitting a claim to Sanlam, always provide a copy of all the medical accounts you have – specialists’ accounts, hospital accounts and medical aid statement showing how it has processed the accounts and the shortfall.
Claims aren’t processed until all documents are received by Sanlam.
A wise choice
If you approach your insurance broker for ideas on good medical gap cover, you can be sure that they will come up with Sanlam as one of the best places to get this all-important gap cover.
Sanlam gap cover that can save you from a lot of financial stress. With affordable gap cover from Sanlam, your wise choice can ensure you can get the most out of life knowing that your health is covered.
Begin by getting a gap cover quote. Complete and submit the form on this page. Act now!