The convergence of Fedhealth and Sanlam creates a value proposition Built Different from anything else in the South African market.

At the heart of this partnership is a simple promise: to be a true “one-stop healthcare solution”. We are the only Scheme in South Africa that offers every type of medical aid product, plus uniquely customisable options. And through Sanlam, we go further – offering Gap, Primary Health Insurance, Oncology and more. From individuals and families to SMEs, unions and corporates, our suite of solutions caters for every segment of the market.

Sanlam Gap Cover
Sanlam’s Gap Cover product is not only comprehensive, it’s also the best priced in the market for lives under 60 – making it highly attractive to younger, healthier members. Fedhealth members get a 30% discount on both Sanlam Gap Core and Comprehensive premiums. More than 70% of all Gap claims relate to tariff shortfalls. Sanlam Gap provides an additional 600% cover in these scenarios, plus co-payment and oncology enhancements. In practice, that can mean hundreds of thousands saved in a single cancer treatment journey.

NB: Sanlam Gap service issues experienced in 2025

Sanlam acknowledges that there have been administrative challenges, particularly in relation to claims processing, which may have caused frustration for members and advisers. These concerns have been taken seriously, and improvements have been introduced, including system enhancements, process reviews and team alignment. The positive impact of these changes is evident, with further improvements ahead. Sanlam wants to reassure members and advisers that they will be well supported going forward. Service excellence and confidence in Sanlam Gap remain key priorities.

Sanlam Personal Health Insurance (Primary Care)

Sanlam Personal Health Insurance (PHI) or Sanlam Primary Care is a very affordable entry point into the health market, ideal for corporates and individuals who need essential day-to-day access or want to supplement their medical aid cover.

Oncology solutions

Sanlam’s oncology suite provides protection through both retail and group risk options – from cancer-only critical illness cover up to R6 million, to lump-sum benefits and group schemes tailored by the employer.

Whilst great standalone products, the true power lies in how these individual Sanlam products combine with Fedhealth medical aid plans. Here’s an example:

• Your client selects flexiFED Savvy as a hospital plan. It offers hospital benefits for under-35 members at an extremely affordable rate – just R1 155* per month.
• To make provision for day-to-day expenses, your clients can then add Sanlam PHI at just R490* per month for unlimited GP consultations, specialist visits and dental, optometry, medication, radiology and pathology benefits among others.
• This ensures hospital and day-to-day protection at an unbeatable rate.

*Sanlam Primary Care rate is based on the 2025 Retail rate, and the flexiFED Savvy rate is the 2026 rate.

Your clients can further integrate their healthcare cover with Sanlam’s other risk protection products and earn rewards and incentives for making smart decisions about nurturing their health and wealth.

Here’s how:

Wealth Bonus and Health Boost
The Sanlam Matrix Premier suite includes a range of risk protection products, offering world-class financial protection for every need.
All Matrix Premier products come standard with Wealth Bonus, Sanlam’s monetary rewards that help clients build meaningful, long-term wealth.

• Up to 100% of a client’s premiums are matched and put towards their Wealth Bonus.
• However, Fedhealth principal members who buy a Matrix Premier product/s, receive an additional 15% boost to their Wealth Bonus allocation each month. That means up to 115% of their premiums are matched back into long-term wealth creation.

Value for your clients, opportunity for you

For advisers, these combinations also unlock additional commission opportunities. Each product layer means more value for the client, and more earning potential for the adviser. Everyone benefits when health and wealth are integrated. This is the brilliance of the combined Fedhealth and Sanlam value proposition. Healthcare innovation and financial strength, working as one. A solution that is practical today, profitable tomorrow, and sustainable for the future.