Application Forms

Gap Cover Claims:

Kaelo Gap Cover Claim Process:

Gap Claim Step 1 - Understand
Gap Claim Step 2 - Submit
Kaelo Gap Claim Step 3 NotifiedSubmit

Western Gap Cover Claim Process:

Western Gap Claim Step 1 - Understand
Western Gap Claim Step 2 - Submit
Western Gap Claim Step 3 - Notified

Sanlam Gap Cover Claim Process:

Sanlam Gap Understand
Sanlam Gap Submit
Sanlam Gap Be Notified

How to submit a Gap Cover Claim:

Before you start please ensure you have the following documentation available:

  • Doctor’s Account
  • Hospital Account
  • Medical Scheme Statement and/or Claim Remittance (showing the Specialist and/or Doctor’s Account)

We are unable to assess your claim without the required documents.

Gap Cover Claim Notifications:

We will keep you informed along the Claims Submission Process. Notification updates will be communicated as the Claim status is updated.

  1. Claim Submission Received
  2. Claim Authorised and or Claim Processed
  3. Claim Paid

The full claim submission to payment process will take 7 to 14 business days.

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