DO NOT take out Sanlam's gap cover - get Netcare Plus or something else.

So I've had medical aid gap cover with Sanlam for just over a year. Two weeks ago I had a lump removed from my arm in the doctor's office and there was a shortfall. They didn't pay out. What is the point of paying premiums if you can't help out? If you're reading this, do yourself a favour and move to Netcare Plus or some other better established and less *****ed health insurer. Sanlam is not a good health insurance firm . Period.