Insurance & Medical Aid · Contact details
Sanlam Gap Cover Contact Details
The Sanlam Gap Service Centre answers on 0861 111 167 for gap cover claims and all gap queries, and claims go to gapclaims@centriq.co.za. Sanlam Gap Cover is Sanlam’s medical gap cover insurance, sold under Sanlam Health Solutions, and it pays shortfalls between your medical scheme rate and what specialists charge. The gap line is different from Sanlam’s general client care number.
Sanlam gap cover contact details at a glance
| Route | Details |
|---|---|
| Sanlam Gap Service Centre (claims enquiries and all gap queries) | 0861 111 167 |
| Gap cover claims submission / delayed-claim feedback | gapclaims@centriq.co.za |
| Online claim submission form | sanlamonline.co.za/help/claims/gap-cover |
| Call-back request / apply online | sanlamonline.co.za/personal/health-solutions/gap-cover |
| Hours (Gap Service Centre and call-backs) | Weekdays 08:00 to 17:00 |
| Sanlam general client care (not gap-specific) | 0860 726 526 / 011 359 7700 |
| Head office | 2 Strand Road, Bellville (also 11 West St, Houghton Estate, Johannesburg) |
Calling the Sanlam Gap Service Centre
Call the Sanlam Gap Service Centre on 0861 111 167 on weekdays between 08:00 and 17:00. The line handles claims enquiries and every other gap query. To apply, or if you want Sanlam to phone you, complete the call-back form on the gap cover page at sanlamonline.co.za/personal/health-solutions/gap-cover.
Sanlam’s general client care lines, 0860 726 526 and 011 359 7700, appear in the site footer but are not gap cover routes. For Sanlam’s other products, see the main Sanlam contact details page.
How to submit a Sanlam gap cover claim
- Download and complete the gap cover claim form.
- Gather your supporting documents: the medical scheme claims remittance, the relevant doctors’ accounts, the hospital account (the first four pages, showing admission and discharge times and ICD codes) and a current medical scheme membership certificate. A copy of your card is not accepted.
- Email the form and documents to gapclaims@centriq.co.za, or upload them through the online claim form at sanlamonline.co.za/help/claims/gap-cover, which is answered between 08:00 and 17:00 on weekdays.
- You will get an acknowledgement email with a ticket number. Assessment takes 7 to 14 working days once all documents are in.
- Any payment due is made within 5 to 7 working days after assessment, into the principal member’s bank account.
Fedhealth and Medshield members get automated claims with no paperwork. Claims older than six months are not paid, and nor are obesity or bariatric treatment and most cosmetic treatment.
Who qualifies for Sanlam gap cover
- You must already be a member of a registered medical scheme.
- Cover extends to the principal member, spouse and children up to age 27.
- Tariff shortfalls are covered up to an additional 600% (six times) above medical scheme rates.
- There is a three-month general waiting period and a 12-month condition-specific waiting period for pre-existing conditions.
Sanlam’s 2026 pricing starts from R346 a month for individuals under 60 and R899 a month for individuals 60 and older. Family cover starts from R524 a month when the main member is under 60, and R1,079 a month when the main member is 60 or older.
Delayed or disputed Sanlam gap claims
If a claim is delayed, send feedback requests to gapclaims@centriq.co.za or call 0861 111 167. If you are not satisfied with a claim outcome, you can ask Sanlam to reconsider it or submit a complaint, and then refer the matter to the Sanlam Arbitrator.
For other gap cover and medical aid providers, browse the insurance and medical aid hub or the insurance directory S listings.
Frequently asked questions
What is the Sanlam gap cover contact number?
Call the Sanlam Gap Service Centre on 0861 111 167, weekdays 08:00 to 17:00. It is the route for claims enquiries and all other gap queries; Sanlam’s general client care lines are separate.
Where do I send a Sanlam gap cover claim?
Email the claim form and documents to gapclaims@centriq.co.za, or use the online claim form at sanlamonline.co.za/help/claims/gap-cover. You will get an acknowledgement email with a ticket number once the claim is in.
How long does a Sanlam gap claim take?
Assessment takes 7 to 14 working days once all documents are in, and payment follows within 5 to 7 working days into the principal member’s bank account. To chase a delayed claim, email gapclaims@centriq.co.za or call 0861 111 167.
Who can take out Sanlam gap cover?
Existing members of a registered medical scheme. Cover can include a spouse and children up to age 27, with a three-month general waiting period and a 12-month condition-specific waiting period.
Sources
- Sanlam, Gap cover: sanlamonline.co.za/personal/health-solutions/gap-cover, read 2026-09-26
- Sanlam, Gap cover claims: sanlamonline.co.za/help/claims/gap-cover, read 2026-09-26