www.sanlam.co.za
Open in
urlscan Pro
196.36.206.27
Public Scan
Submitted URL: http://sanlamupl.co.za/r/?id=h1797df68,1fc62187,16e2c371
Effective URL: https://www.sanlam.co.za/personal/insurance/healthsolutions/Pages/default.aspx
Submission: On June 14 via api from ZA — Scanned from DE
Effective URL: https://www.sanlam.co.za/personal/insurance/healthsolutions/Pages/default.aspx
Submission: On June 14 via api from ZA — Scanned from DE
Form analysis 1 forms found in the DOM
POST /personal/insurance/healthsolutions/Pages/default.aspx
<form method="post" action="/personal/insurance/healthsolutions/Pages/default.aspx" onsubmit="javascript:return WebForm_OnSubmit();" id="aspnetForm">
<div class="aspNetHidden">
<input type="hidden" name="_wpcmWpid" id="_wpcmWpid" value="">
<input type="hidden" name="wpcmVal" id="wpcmVal" value="">
<input type="hidden" name="MSOWebPartPage_PostbackSource" id="MSOWebPartPage_PostbackSource" value="">
<input type="hidden" name="MSOTlPn_SelectedWpId" id="MSOTlPn_SelectedWpId" value="">
<input type="hidden" name="MSOTlPn_View" id="MSOTlPn_View" value="0">
<input type="hidden" name="MSOTlPn_ShowSettings" id="MSOTlPn_ShowSettings" value="False">
<input type="hidden" name="MSOGallery_SelectedLibrary" id="MSOGallery_SelectedLibrary" value="">
<input type="hidden" name="MSOGallery_FilterString" id="MSOGallery_FilterString" value="">
<input type="hidden" name="MSOTlPn_Button" id="MSOTlPn_Button" value="none">
<input type="hidden" name="__EVENTTARGET" id="__EVENTTARGET" value="">
<input type="hidden" name="__EVENTARGUMENT" id="__EVENTARGUMENT" value="">
<input type="hidden" name="__REQUESTDIGEST" id="__REQUESTDIGEST" value="0x4FA8403A212F769A0AA76013F435A7115EF6DB21A52B7D883E909C332D85A16C325B929476A5F7C0739F692F0FB0C6E12E6262375931E410896293F44329E994,14 Jun 2023 10:34:16 -0000">
<input type="hidden" name="MSOSPWebPartManager_DisplayModeName" id="MSOSPWebPartManager_DisplayModeName" value="Browse">
<input type="hidden" name="MSOSPWebPartManager_ExitingDesignMode" id="MSOSPWebPartManager_ExitingDesignMode" value="false">
<input type="hidden" name="MSOWebPartPage_Shared" id="MSOWebPartPage_Shared" value="">
<input type="hidden" name="MSOLayout_LayoutChanges" id="MSOLayout_LayoutChanges" value="">
<input type="hidden" name="MSOLayout_InDesignMode" id="MSOLayout_InDesignMode" value="">
<input type="hidden" name="_wpSelected" id="_wpSelected" value="">
<input type="hidden" name="_wzSelected" id="_wzSelected" value="">
<input type="hidden" name="MSOSPWebPartManager_OldDisplayModeName" id="MSOSPWebPartManager_OldDisplayModeName" value="Browse">
<input type="hidden" name="MSOSPWebPartManager_StartWebPartEditingName" id="MSOSPWebPartManager_StartWebPartEditingName" value="false">
<input type="hidden" name="MSOSPWebPartManager_EndWebPartEditing" id="MSOSPWebPartManager_EndWebPartEditing" value="false">
<input type="hidden" name="__VIEWSTATE" id="__VIEWSTATE"
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<h1 class="slice-row__xl-title">Sanlam <strong>Health Solutions</strong></h1>
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<h2 class="sds-column__title"><span class="sdsr-content-slice">No financial plan is complete without <strong>health</strong>.</span></h2>
<div class="sds-title-underline"></div>
<p>With the rising cost of medical expenses, failing to plan for health can impact even the most meticulously crafted long-term financial plan.</p>
<p>We have selected two of South Africa's most established medical schemes – <strong>Bonitas</strong> and <strong>Fedhealth, as preferred Sanlam healthcare providers</strong>. With access to both, you can choose
from a multitude of options to match your family composition and lifestyle.</p>
<div class="sds-column__expanded-text show-more">
<p>We'll help you find the most suitable option and enrich it with a balanced mix of our
<a href="/personal/insurance/healthsolutions/Pages/sanlam-medical-gap-cover-insurance.aspx" class="dataLayerAction" data-event-action="gap_cover_click" data-product-name="Health Solutions" target="_blank">Gap Cover</a>,
so that it's personalised to suit your life, budget and risk profile.</p>
<p>We then add a compelling rewards system with actual financial perks to grow your wealth as you protect your health. Sanlam's
<a href="/wealthbonus/Pages/default.aspx" class="dataLayerAction" data-event-action="wealth_bonus_click" data-product-name="Health Solutions" target="_blank">Wealth Bonus</a> rewards you with long-term
wealth. When you own a
<a href="/personal/insurance/Pages/default.aspx" class="dataLayerAction" data-event-action="sanlam_premier_insurance_click" data-product-name="Health Solutions" target="_blank">Sanlam Premier insurance</a>
solution that earns Wealth Bonus and you become a main member of Fedhealth or Bonitas, your monthly Wealth Bonus contribution will be boosted by 15%.</p>
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<div id="our-partners">
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<div class="sds-row-content__wrapper">
<span class="sds-overline-text">OUR PREFERRED HEALTHCARE PROVIDERS</span>
<h2 class="sds-column__title">
<span class="sdsr-content-slice">Find your fit with one of our <strong>two preferred medical aid providers</strong></span>
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<div class="sds-title-underline"></div>
<div class="sds-cards-wrapper">
<div class="sds-cards-content">
<div class="sd-card__content">
<icon class="icon-sanlam"><img src="/personal/insurance/healthsolutions/PublishingImages/bonitas-logo.png"></icon>
<h4>Medical Aid for South Africa</h4>
<p class="marB10">Affordable and benefit-rich, Bonitas offers a wide range of plans to meet the needs of South Africans from all walks of life.</p>
<ul class="blue-list">
<li>Plans that are easy to understand and use – giving you access to quality care when you need it</li>
<li>Extensive cover and benefits including wellness, dental and optical, maternity, child care, and preventative care paid from risk</li>
<li>A range of plans to meet your needs including hospital, savings, edge, traditional and network plans</li>
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<a href="/personal/insurance/healthsolutions/Pages/bonitas.aspx#call-me-back" class="sd-button sd-button--primary dataLayerAction" data-event-action="get_bonitas_quote_click" data-product-name="Health Solutions">Get a Bonitas quote</a>
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</div>
</div>
<div class="sds-cards-content">
<div class="sd-card__content">
<icon class="icon-sanlam"><img src="/personal/insurance/healthsolutions/PublishingImages/fedhealth-logo.png"></icon>
<h4>Create your aid</h4>
<p class="marB10">Fedhealth offers our members customisation, choice, flexibility and control, and pays more benefits from Risk than other schemes.</p>
<ul class="blue-list">
<li>Options for every life stage and healthcare need</li>
<li>Customisation and control for single people, young couples, or growing families with our <strong>flexiFED</strong> range</li>
<li>Innovative Fedhealth Savings powered by the MediVault helps <strong>flexiFED</strong> members save on their monthly contributions, while still having access to funds for day-to-day medical expenses
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<h2 class="sds-call-to-action__title"><span class="sdsr-content-slice">Not sure which <strong>scheme is right for you?</strong></span></h2>
<div class="sds-title-underline"></div>
<p>Let us help you choose the right solution to fit your needs. </p>
<p><a class="sd-button sd-button--secondary button40 dataLayerAction" href="#help-me-choose" data-event-action="help_me_choose_click" data-product-name="Health Solutions">Help me choose</a></p>
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</section>
<div id="gap-cover">
<section class="sds-call-to-action">
<div class="sds-call-to-action__wrapper">
<div class="sds-call-to-action__dots-image"></div>
<h2 class="sds-call-to-action__title">
<span class="sdsr-content-slice">What about <strong>gap cover?</strong></span>
</h2>
<p class="sds-call-to-action__text">From R233 for individuals, and R409 for families, Sanlam Medical Gap Cover Insurance provides towards the difference between what your medical aid pays and the rates charged by
medical specialists.</p>
<p class="sds-call-to-action__text marT0">In certain cases the cost for in-hospital procedures or outpatient treatment may exceed the base medical aid rate by an additional five times. By taking out Sanlam
Medical Gap Cover Insurance, you ensure that you and your family aren’t left with a large excess amount to settle.</p>
<div class="sds-call-to-action__button-container">
<a class="sd-button sd-button--primary dataLayerAction" href="/personal/insurance/healthsolutions/Pages/sanlam-medical-gap-cover-insurance.aspx#BuyOnline" data-event-action="apply_now_click" data-product-name="Health Solutions" target="_blank">Apply now</a>
<a class="sd-button sd-button--secondary dataLayerAction" href="/personal/insurance/healthsolutions/Pages/sanlam-medical-gap-cover-insurance.aspx" data-event-action="read_more_click" data-product-name="Health Solutions" target="_blank">Read more</a>
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<div>
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<div class="ms-webpart-chrome ms-webpart-chrome-vertical ms-webpart-chrome-fullWidth ">
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<span class="sds-overline-text">WHAT TO LOOK FOR</span>
<h2 class="sds-column__title"><span class="sdsr-content-slice">Choosing the <strong>right medical scheme</strong> for you and your family</span></h2>
<div class="sds-title-underline"></div>
<p>Although it is impossible to predict future illnesses, you must ensure that the option you decide on will adequately cover you for your current needs. It is important to consult with a Sanlam Financial
Adviser who will be able to assist or guide you to a health-accredited specialist to determine the most suitable option for you.</p>
<div class="sds-column__expanded-text show-more">
<p>With a wide range of options available, you are able to select between savings, traditional, virtual, hospital and income-based options. You need to choose wisely so that you and your family are covered
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<div class="sds-call-to-action__button-container left-padding">
<a href="" class="sd-button sd-button--secondary sd-button--show-more button40" id="track-show-more"><span>+</span> Show more</a>
<a href="" class="sd-button sd-button--secondary sd-button--show-less button40" id="track-show-less"><span>-</span> Show less</a>
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</div>
<div class="sds-column__container-two">
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<li><strong>Your life stage and age</strong>: If you’re a single professional, your healthcare needs will be different to the needs of a mom with three young kids, or a mature couple.</li>
<li><strong>Your health</strong>: Chronic and dread diseases are a reality from which anyone can suffer. However, if there’s a history of certain diseases in your family, there’s a chance
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<li><strong>Your pocket</strong>: It pays to shop around until you find the right option to suit your own and your family’s needs and budget.</li>
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<li>You may have to use a set provider network in order to get full cover for certain treatments</li>
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<li>Find out about the chronic medicine formularies, designated service providers and the maximum amount the scheme is willing to pay</li>
<li>Certain waiting periods may apply before you are covered for a specific condition</li>
<li>It is crucial to share your full medical history when signing up for a new medical aid to avoid the scheme’s refusal to pay out claims in future due to non-disclosure</li>
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Site Contents
SANLAM HEALTH SOLUTIONS
NO FINANCIAL PLAN IS COMPLETE WITHOUT HEALTH.
With the rising cost of medical expenses, failing to plan for health can impact
even the most meticulously crafted long-term financial plan.
We have selected two of South Africa's most established medical schemes –
Bonitas and Fedhealth, as preferred Sanlam healthcare providers. With access to
both, you can choose from a multitude of options to match your family
composition and lifestyle.
We'll help you find the most suitable option and enrich it with a balanced mix
of our Gap Cover, so that it's personalised to suit your life, budget and risk
profile.
We then add a compelling rewards system with actual financial perks to grow your
wealth as you protect your health. Sanlam's Wealth Bonus rewards you with
long-term wealth. When you own a Sanlam Premier insurance solution that earns
Wealth Bonus and you become a main member of Fedhealth or Bonitas, your monthly
Wealth Bonus contribution will be boosted by 15%.
Help me choose+ Show more- Show less
Our partners
Gap cover
What to look for
What is the difference?
Help me choose
OUR PREFERRED HEALTHCARE PROVIDERS
FIND YOUR FIT WITH ONE OF OUR TWO PREFERRED MEDICAL AID PROVIDERS
MEDICAL AID FOR SOUTH AFRICA
Affordable and benefit-rich, Bonitas offers a wide range of plans to meet the
needs of South Africans from all walks of life.
* Plans that are easy to understand and use – giving you access to quality care
when you need it
* Extensive cover and benefits including wellness, dental and optical,
maternity, child care, and preventative care paid from risk
* A range of plans to meet your needs including hospital, savings, edge,
traditional and network plans
Get a Bonitas quote Read more
CREATE YOUR AID
Fedhealth offers our members customisation, choice, flexibility and control, and
pays more benefits from Risk than other schemes.
* Options for every life stage and healthcare need
* Customisation and control for single people, young couples, or growing
families with our flexiFED range
* Innovative Fedhealth Savings powered by the MediVault helps flexiFED members
save on their monthly contributions, while still having access to funds for
day-to-day medical expenses
Get a Fedhealth quote Read more
NOT SURE WHICH SCHEME IS RIGHT FOR YOU?
Let us help you choose the right solution to fit your needs.
Help me choose
WHAT ABOUT GAP COVER?
From R233 for individuals, and R409 for families, Sanlam Medical Gap Cover
Insurance provides towards the difference between what your medical aid pays and
the rates charged by medical specialists.
In certain cases the cost for in-hospital procedures or outpatient treatment may
exceed the base medical aid rate by an additional five times. By taking out
Sanlam Medical Gap Cover Insurance, you ensure that you and your family aren’t
left with a large excess amount to settle.
Apply now Read more
WHAT TO LOOK FOR
CHOOSING THE RIGHT MEDICAL SCHEME FOR YOU AND YOUR FAMILY
Although it is impossible to predict future illnesses, you must ensure that the
option you decide on will adequately cover you for your current needs. It is
important to consult with a Sanlam Financial Adviser who will be able to assist
or guide you to a health-accredited specialist to determine the most suitable
option for you.
With a wide range of options available, you are able to select between savings,
traditional, virtual, hospital and income-based options. You need to choose
wisely so that you and your family are covered for everyday medical incidents,
as well as those life-changing events such as pregnancy, accidents, or the
diagnosis of dread diseases.
+ Show more - Show less
KEY THINGS TO CONSIDER WHEN CHOOSING YOUR MEDICAL AID OPTION
* Your life stage and age: If you’re a single professional, your healthcare
needs will be different to the needs of a mom with three young kids, or a
mature couple.
* Your health: Chronic and dread diseases are a reality from which anyone can
suffer. However, if there’s a history of certain diseases in your family,
there’s a chance that they might become a reality for you. Be prepared and
enjoy comprehensive medical cover when you need it.
* Your pocket: It pays to shop around until you find the right option to suit
your own and your family’s needs and budget.
OTHER THINGS TO CONSIDER
* You may have to use a set provider network in order to get full cover for
certain treatments
* Study your product brochure to make sure of what is excluded on your option,
or the co-payments on certain in-hospital procedures
* Find out about the chronic medicine formularies, designated service providers
and the maximum amount the scheme is willing to pay
* Certain waiting periods may apply before you are covered for a specific
condition
* It is crucial to share your full medical history when signing up for a new
medical aid to avoid the scheme’s refusal to pay out claims in future due to
non-disclosure
* Make sure you know how the option covers oncology, dialysis and HIV
WHAT IS THE DIFFERENCE?
DIFFERENTIATING BETWEEN MEDICAL AID AND MEDICAL INSURANCE
Medical aid schemes are governed by the Medical Schemes Act and have to adhere
to a list of very specific rules and regulations that include open enrolment,
standard-rate fees and cover for the diagnosis and treatment for a list of
Prescribed Minimum Benefits (PMBs). Payments are normally made directly to the
hospital or service provider.
Medical insurance products, on the other hand, fall under the Short-term
Insurance Act with specified benefits that pay out a defined amount per day or
per incident, irrespective of the medical treatment needed. Payments are made
directly to the client who stays responsible for payment to service providers.
HELP ME CHOOSE
LET US HELP YOU DECIDE ON THE RIGHT SOLUTION FOR YOU
CALL ME BACK
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