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Critical Illness Cover

If you get cancer or another serious condition, we give you the funds to fight back.


Pays out 150% for certain aggressive cancers


Built-in Wealth Bonus


Instant cover

Get a quote

Instant, online, in minutes


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How it works

Innovative Funeral Cover that doubles and rewards you with wealth.

Make sure you and up to 20 loved ones have everything you need for a dignified funeral. We'll automatically double everyone's cover after 3 years at no extra cost. And we'll reward you with extra Wealth Bonus for every family member you add.


Calculate your premium + Sanlam Indie Wealth Bonus.

See what you’ll pay and how much we'll contribute to your Wealth Bonus.

How much cover would you like?

My Cover

Additional lives

Who would you like cover for?

Get cover for up to additional people.

Add up to another people.

Total Premium


Your Sanlam Indie Wealth Bonus

could be worth at age 70.

Projections are based on general assumptions and not guranteed.


Critical Illness Cover

Pays a tax-free lump sum if you get a critical illness.

Everything you need to know including the cover, payouts, claims, premiums and more.

How much Critical Illness Cover do I need?

Most people choose to have at least R350,000 of cover, or about 6 months of income (after tax but before other deductions) if that’s higher. Your cover amount will grow with inflation each year, but you can choose to opt out of this growth... 

More about
Critical Illness Cover

How are Critical Illness claims paid?

Critical illness claims will be paid to you, the policyholder. How long that’ll take depends on the nature of the claim, as well as how quickly we’re given the claims documentation...

More about claims & payouts

Can I skip premiums?

You can skip 5 premiums total in the first 3 years. If you skip 6 premiums in the first 3 years of taking out your policy, you will have to pay your premium before your next billing date to avoid your policy lapsing. Any claims made during this period may not be paid out.

More about
Critical Illness Cover

When does the cover end?

Cover will only end if you decide to remove the product and stop paying premiums, or if you die.

More about the cover


Insure your life and we will invest in you.

We match up to 100% of your premium into a Wealth Bonus that tracks the market like an investment. Every premium you pay helps create wealth for your future.

Why SANLAM Indie?

Simpler, smarter, more rewarding life insurance.

We think life insurance should be more about living. So we’ve reinvented it to help you get on with life.


Get a built-in Wealth Bonus


Do everything online, in no time


Your cover starts immediately


Qualified support when you need it


Insurance, at the best possible price


No paperwork, no jargon

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SANLAM Indie Plan

Not sure what insurance you need? We can help.


Answer a few simple questions.


We'll show you a plan and quote.


Save your plan for later or get covered today.

Get started

100% no obligation to accept.

Get life insurance.
Get a Wealth Bonus.
Get living.

Get world-class cover that rewards you with wealth while you're alive.

Get started

Instant, online, in minutes


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