Accident cover

Why accident cover?
What does it cover me against?
FAQs
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Why accident cover?

Accidents are just that. Accidents. They are unplanned and traumatic, and they can happen to anyone. Accidents on our roads and injuries due to violent crime are just some of the risks facing South Africans every day. Should you die in an accident, the financial impact of it can weigh heavily on your loved ones.

Sanlam’s range of accidental cover is not medically underwritten and can cover death or injury caused directly or solely due to an accident.

What does it cover me against?

Sanlam’s range of accident cover offers specific solutions for each of the following:

As much as we would prefer not to think of fatal accidents such as car crashes, drowning, fire, hijacking or more, events such as these happen every day.

Should you become disabled, our cover provides you with the assurance that your family’s day to day expenses, as well as your own, will be covered so that you can maintain your standard of living.

Accidents happen so quickly, but the impact of an injury can be long term, costing you and your loved ones extra money in the form of medical expenses, home and car adaptations, and more.

faqs

Frequently asked questions

What happens if I can't pay my premium?
It is important that you regularly pay your premium to keep your cover intact. Should you be unable to pay your premium, it may have an impact on you being covered. It is very important to contact us immediately should you skip premiums, to discuss options of how to keep your valuable cover in place, and stay protected.
How does Wealth Bonus® and Cashback work?
We've created two valuable benefits that reward you for keeping your cover in place. As a Sanlam client with a qualifying product, you have the option of adding our Cashback benefit to any qualifying new or existing risk plan. It rewards you for keeping your cover intact, and pays out after 15 years of continued contributions to your policy. A set additional payment of 35% is charged for the Cashback benefit on a specific cover layer. This payment falls away after 15 years – even if the Cashback amount is left to further accumulate – ensuring great value for money.
Put the payout towards your children’s education, home renovations, unexpected expenses or even your retirement. Alternatively, you can choose to leave your lump sum to grow until you need it. You can also look forward to benefiting from Wealth Bonus® – a portion of your contribution that’s invested in a Money Market fund until you turn 70, ensuring that your money keeps making money. Wealth Bonus® unlocks every 5 years, a portion of your Wealth Bonus® is made available to you to withdraw or leave invested.

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Products

Protect your loved ones with the tax-free lump sum from Sanlam Life Insurance, which can ease your family’s financial burden if you die unexpectedly.

Helps you manage the financial implications of a permanent disability with a lump-sum payout that can be used for day-to-day and disability-related expenses.

Helps cover the unexpected costs of a dread disease, leaving you to focus on your health.

Protects you against the financial implications of living with cancer.

Pays you a monthly income if you become sick or disabled and are unable to work temporarily or permanently.

Helps you and your loved ones manage funeral-related expenses. Is your family in a position to cover the costs of a funeral?

Ensure that your large debts, like your home loan, are paid when your ability to earn an income is affected.

Medical aid encompasses a range of healthcare services and financial assistance provided to individuals to promote their physical well-being and treat illnesses or injuries.

Why accident cover?

What does it cover me against?

Frequently asked questions

What happens if I can't pay my premium?

How does Wealth Bonus® and Cashback work?

Need anything else?

Want a call back?