Application Forms

Kaelo Gap

Kaelo Gap Cover Application Form - Individuals

Kaelo Gap Cover Application Form - Corporate

Kaelo Gap Cover Continuation Form

Kaelo Gap Cover Amendment Form

Kaelo Gap Cover Upgrade Downgrade Form

Kaelo Gap Cover Broker Appointment Form

Kaelo Gap Cover Option Change Form

Western Gap

Western Gap Cover Application Form - Individuals

Western Gap Cover Application Form - Corporate

Western Gap Cover Continuation Form

Western Gap Cover Amendment Form

Western Gap Cover Upgrade Downgrade Form

Western Gap Cover Broker Appointment Form

Kaelo Health

Kaelo Health Application Form

Kaelo

Employer Application Form

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.

Claim Submission Received
Claim Authorised and or Claim Processed
Claim Paid

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

Western Gap Cover Claim Form

Journey of a Western Gap Cover Claim

Kaelo Gap Cover Claim Form

Journey of a Kaelo Gap Cover Claim

Kaelo Gap Cover Claim Infographic

Sanlam Gap Cover Claim Form

Journey of a Sanlam Gap Cover Claim

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