Cancer Cover

You won’t qualify for cancer cover if you currently have cancer. However, if you’re in remission, you may still be eligible depending on factors such as the type and stage of cancer and how long you’ve been in remission.

There’s no general waiting period, but there is a 14-day survival period.

Need clarity on your eligibility?

A Sanlam Financial Planner can guide you through the details and help you choose the right cover for your situation.

Your age determines which option is available:

• Term Cover: Maximum entry age is 59, and your cover will end at age 64.
• Whole Life Cover: Maximum entry age is 64, and you will be covered for cancer for your whole life.

This flexibility ensures you can choose a solution that fits your stage of life and financial goals.

Sanlam’s Cancer Cover doesn’t replace your medical aid or gap cover.

Instead, it supplements your existing protection if you’re diagnosed with cancer.

It helps with additional or hidden costs that often aren’t covered, such as:

• Travel to treatment centres
• Living expenses
• At-home care
• Childcare
• Missed work days

This extra layer of financial support ensures you can focus on recovery without worrying about unexpected expenses.

Sanlam’s Cancer Cover provides extensive protection for cancer and related severe illnesses, including:

• Leukaemias
• Lymphomas
• Malignant or cancerous tumours
• Early-stage cancers, such as skin cancer
• Benign brain tumours

It also includes a list of specified aggressive cancers covered at 100% from Stage I, even under the more affordable Cancer benefit option.

For added peace of mind, Sanlam’s Cancer Cover includes a Cancer Catch-All feature. This benefit applies when a serious condition isn’t specifically listed but still impacts your health and ability to function. Catch-All claims are considered only if you don’t qualify for other listed claim events.

Want to understand how much cover suits your financial plan?

Speaking to a Sanlam Financial Adviser can help you tailor the right level of protection for your needs.

Your Cancer Cover can be automatically adjusted each year for inflation. This ensures that if you need to claim several years from now, your benefit will still hold the same relative value as when you first took out the policy.

Sanlam understands that claims are often made during stressful times, so the process has been designed to be as simple and supportive as possible.

You can submit your claim online in just a few easy steps, and if selected, a designated Sanlam Financial Planner will guide you through every stage to ensure a smooth experience.

Submit a Cancer Claim

As a Licensed Financial Services Provider and Registered Credit Provider, we’re Sanlam is legally prevented from paying a claim directly to any client who has lost their legal capacity to act.

To ensure you’re still taken care of, we’ve put the Sanlam Protector Umbrella Trust in place. By giving your consent upfront, we Sanlam can pay your tax-free lump sum to the Trust if you lose legal capacity. The funds will then be managed on your behalf, protecting against delays at a time when you and your family need financial support most.

If you’d like to understand how this works within your broader financial plan, a Sanlam financial planner can guide you through the details and help you make informed decisions.

Your premium is determined through underwriting, which assesses your risk profile. This process influences your cover amount, monthly premiums, and any policy terms.

To calculate this, you’ll provide details about your health, medical history, occupation, financial situation, travel plans, and any high-risk activities. A medical test may also be required.

Sanlam’s goal is to ensure you pay a fair premium for the full term of your cover, and that your beneficiaries can claim with confidence. Your policy won’t change if you later switch jobs, start smoking, or take up risky activities.

If you’d like clarity on how underwriting works, a Sanlam financial planner can guide you through the process.