gapcover Sanlam Online Solutions | Convenient & Secure

Access Go Cover worldwide, 24/7, on your mobile phone via the Go Cover app (Google Play Store or Apple App Store), or via your desktop at www.gocover.co.za. Sign up in 5 minutes – no paperwork, long-term contracts, agents or commission.

Your mobile number is verified and tied to your existing Go Cover account. If you sign in to Go Cover with a different or new number, and verify the PIN sent, you will essentially be opening a new profile. In this event, your previous account profile and cover details will not be visible.

If you have already done a SIM swop, and changed your mobile number, but not signed out of the app on your phone, you can continue to use Go Cover under your existing profile until such time as you uninstall the app or sign out.

Should you wish to change your mobile number but still retain your existing Go Cover profile and details, please contact us at support@gocover.co.za for transfer assistance. Note that any previous cover you may have purchased up to that stage will still be active and valid.

Purchase a new SIM card, and contact your mobile network to do a SIM swop and restore your old number. Install the Go Cover app on your new phone and log in with your mobile number as you usually would.

Please contact our customer care team at support@gocover.co.za so that we can assist you.

In order to activate cover, process any claims, and monitor fraudulent activity, Go Cover requires limited access to your location – only while using the app. We do not continuously track our users, and respect our clients’ privacy.

Go Cover will, from time to time, send you important notifications pertaining to your cover. This will include notification of successful cover activation or expiry, when cover has been bought for you by someone else, when bank cards may be expiring, and other useful information. We respect your privacy and will never send you unsolicited notifications.

When signing up for Go Cover, you will have the opportunity to appoint a beneficiary. Your beneficiary is the person who will receive the insurance pay-out in the unfortunate event of your accidental death. Appointing a beneficiary is optional, but recommended, to ensure the proceeds of your cover are paid directly and are not subject to possible long delays as part of your general estate.

You can appoint any of the following as your beneficiary:

• Spouse (husband or wife) or partner
• Child
• Extended family member
• Friend

Alternatively, you may choose not to appoint a beneficiary and select to have the proceeds paid to your estate (self).

When selecting a beneficiary, you will have the option of having a copy of the Go Cover contract sent to them. To do this, check the box that reads “Email my beneficiary a copy of my contracts”.

Your beneficiary can be changed (for subsequent new contracts) at any stage. To edit beneficiary information, tap on the “Profile” tab at the bottom of the page and select "My Details".

When signing up for Go Cover, you will have the opportunity to appoint a contact person. Your contact is the person who will be informed of your ongoing Go Cover purchases (via email). In the event that you are unable to inform us of an incident or claim, your contact person will know you have cover and get in touch with us.

Your contact can be the same as your beneficiary, or any other person. For example, your beneficiary may be your wife or husband, but your contact might be your training partner or friend.

When selecting a contact person, you will have the option of having a copy of the Go Cover contract sent to them. To do this, check the box that reads “Email my contact a copy of my contracts”.

Your contact can be changed (for subsequent new contracts) at any stage. To edit contact information, tap on the “Profile” tab at the bottom of the page and select "My Details".

There is no age limit on the person being covered (the insured – yourself or others), but the person contractually purchasing cover (the policyholder) needs to be 18 years and older.

Children are covered against the full list of accidental injuries as per adults. However, for their safety, the accidental death benefit amount is limited to R50 000 for children aged 7 to 14, and R20 000 for children under 6.

Yes. You can purchase Go Cover for as many immediate family members, or employees, as you wish. You can add them while in the buy process, or via the “People” icon in the tab menu at the bottom of the page. You have the option to add a new person, or a new group – either individually, or by bulk upload. Please contact us at support@gocover.co.za if you require assistance with bulk uploading.

In particular, you can buy cover for the following people:

• Spouse (husband or wife) or partner
• Parent
• Child
• Sibling (brother and sister)
• Business owner (self)
• Employee (business or domestic)
• Client (tourist, event participant, passenger, etc.)

When adding another person, the following information is required:

• Name
• Surname
• Mobile number
• Email
• Nationality
• Identity number (if South African)
• Passport number (if non-South African)
• Date of birth (if non-South African)

When buying cover for someone else, the beneficiary of any claim amounts resulting from injury or death is the life insured (the person you bought cover for), and not yourself as the purchaser (policyholder). In the event of death, the proceeds will therefore be paid to the life insured’s estate and not to the person who bought the cover.

When purchasing for others, or a group of people (including yourself), cover is only available from 24 hours into the future, and limited to a maximum of R300 000. For example, if it is 9am in the morning today, you can only buy cover for another person or a group of people for a period beginning from 9am tomorrow. This is to ensure the safety and security of everyone using Go Cover, and to limit fraudulent activity.

Yes. You can purchase Go Cover for yourself as a business owner, or for as many clients, employees, paying guests, or event participants as you wish. You can add them while in the buy process, or via the “People” icon in the tab menu at the bottom of the screen. You have the option to add a new person, or a new group – either individually, or by bulk upload. Please contact us at support@gocover.co.za if you require assistance with bulk uploading.

In particular, you can buy cover for the following people:

• Business owner (self)
• Employee (business or domestic)
• Client (tourist, event participant, passenger, guest, etc.)
• Spouse (husband or wife) or partner
• Parent
• Child
• Sibling (brother and sister)

When adding another person, the following information is required:

• Name
• Surname
• Mobile number
• Email
• Nationality
• Identity number (if South African)
• Passport number (if non-South African)
• Date of birth (if non-South African)

When buying cover for someone else, the beneficiary of any claim amounts resulting from injury or death is the life insured (the person you bought cover for), and not yourself as the purchaser (the policyholder). In the event of death, the proceeds will therefore be paid to the life insured’s estate and not to the person who bought the cover.

When purchasing for others, or a group of people (including yourself), cover is only available from 24 hours into the future, and limited to a maximum of R300 000. For example, if it is 9am in the morning today, you can only buy cover for another person or a group of people for a period beginning from 9am tomorrow. This is to ensure the safety and security of everyone using Go Cover, and to limit fraudulent activity.

You have the option of loading alternative bank payment cards for business or personal purchases. VAT invoices are also available.

Yes. Go Cover can be purchased by non-South Africans and visitors to South Africa, for cover while within South African territory only.

Yes. South African citizens and permanent residents can purchase cover, and will be covered against accidents, worldwide (except certain conflict zones and territories listed in the exclusions list below). Cover purchased in one location (say, in South Africa), will continue to work if you travel to another location (say, the UK).

Cover physically purchased outside South Africa is available from 24 hours into the future. For example, if it is 9am in the morning today, you can only buy cover for a period beginning from 9am tomorrow. This is to ensure the safety and security of everyone using Go Cover, and to limit fraudulent activity.

Go Cover can be purchased by non-South Africans and visitors to South Africa, for cover while within South African territory only.

Yes. However, the initial purchasing process and payment, and confirmation of the selected period, do require the device to be on and connected to a network. But once you have bought cover and confirmed the period, our centrally located systems are able to deliver, manage, and maintain functionality independent of your device. Regardless of whether it’s on or if there is connectivity.

Go Cover provides cover for accidental death and accidental injuries only. This excludes all natural causes.

A limited list of criminal, self-injury, territorial, and motor/aviation exclusions further apply. In particular, a claim will not be admitted if it resulted directly or indirectly from any of the following, whereby the life insured:

Aviation:

Takes part in any form of aviation except if it is in a fixed wing aircraft and the pilot has a valid PPL licence; or takes part in any of the following aviation activities: aerial photography, pylon racing, game spotting, aerobatic display, crop spraying or herd thinning; or takes part in recurrent (more than once) hang-gliding, paragliding, parasailing, sky-diving, parachuting, sky surfing or microlight flights; or takes part in BASE jumping;

Civil unrest/criminal activity:

Participates in riot, insurrection, civil commotion, military or hostile action, or an act of terrorism; or commits or attempts to commit a crime of murder, assault, housebreaking, theft, robbery, kidnapping, a crime involving a sexual act, or a crime of a similar nature to any of the aforesaid crimes;

Construction:

Works at heights of more than 15 meters;

Contact sport:

Takes part in boxing, kick-boxing or wrestling;

Debt collecting:

Works in debt collecting (excluding per telephone);

Diving:

Works as a commercial diver, or takes part in cave diving or wreck diving, or dives without – or exceeds – the levels/rules/requirements of a recognised national scuba diving association or federation qualification;

Drug use/medication:

Takes drugs or medicine not in accordance with medical prescription, or drives any form of motorised vehicle on a public road whilst his or her blood alcohol level exceeds the legal limit;

Electrical:

Works with voltages of more than 10 000V;

Explosives/asbestos:

Works with explosives or asbestos;

Foreign citizens:

Sustains injury or death outside the territory of South Africa and is a non-South Africa citizen, or does not have a permanent residence permit;

Hunting:

Works as a big game hunter;

Insurable interest:

Is not a spouse/partner, child, family member, employee, or client of the person purchasing the cover;

Mining/underground:

Works underground for more than 10 hours per week;

Motor sport:

Takes part in motor sport, motorised racing or motorised speed contests;

Nuclear:

Is exposed to a nuclear explosion or radioactivity;

Oil rigs:

Works on an oil rig;

Security work:

Works as a security guard, bodyguard, escort, bouncer or private investigator; or works in the cash in transit industry;

Self-injury:

Deliberately inflicts an injury on himself or herself; or commits or attempts suicide;

Stunt professional:

Works as a stuntman/woman;

Territories:

Sustains injury or death in any of the following countries: Afghanistan, Angola (Cabinda Province), Burundi, Central African Republic, Chad, Democratic Republic of the Congo, Iran (Islamic Republic of Iran), Iraq, Lebanon, Libya (Libyan Arab Jamahiriya), Mali, Nigeria (Niger Delta), North Korea, Pakistan, Somalia, Sudan, the Syrian Arab Republic and Yemen

United Nations Security Council (UNSC) sanctions list:

The policy agreement is void ab initio in respect of persons and/or entities listed on the consolidated United Nations Security Council (UNSC) sanctions list, or where such persons and/or entities are directly or indirectly linked to or associated with persons and/or entities, regardless of whether by legal arrangement or not with such persons and/or entities. Sanlam Life “Go Cover” shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose Sanlam Life “Go Cover” to any sanction, prohibition or restriction under the UNSC Resolutions. For purposes of clarification, the consolidated UNSC sanctions list is issued under Chapter VII of the Charter of the United Nations (UN).

Go Cover is available to purchase regardless of how much or how little insurance you already have. Whether you have life insurance, medical aid, or medical gap cover, you can still buy Go Cover on top of these.

In this sense, Go Cover payouts will be on top of any other insurance you may have. If you have medical aid and all your medical expenses are covered, you will still receive your Go Cover payout. Go Cover is intended to compensate you for the difficulty experienced when you sustain any of the accidental injuries we cover.

Go Cover is not a form of indemnity insurance and the payouts are therefore not influenced by actual medical expenses. The injury payouts from Go Cover are as stipulated in your contract, and the respective amount listed will be paid when you meet the specific injury claim criteria. The variable cost of treatment isn’t taken into account. Go Cover payouts might therefore be somewhat more, or less, than your actual medical expenses relating to the injury.

Go Cover is not intended to replace the need for a comprehensive medical aid, gap cover, travel insurance or life insurance, and shouldn’t be considered as a complete alternative to it. Go Cover is designed to protect you against a wide range of accidental injuries and death, where, whenever, and for as long as you need it.

When purchasing for yourself only, the following three cover amounts are available:

• Cover up to R100 000
• Cover up to R500 000
• Cover up to R1 000 000

When purchasing for others, or a group of people (including yourself), the following three cover amounts are available:

• Cover up to R100 000
• Cover up to R200 000
• Cover up to R300 000

For all cover amounts, the following periods of cover are available:

Cover can be purchased once-off for up to 90 consecutive days, or for any customised selection of days within a 90-day period, or open-endedly on a recurring payment basis (weekly, fortnightly or monthly). Within recurring cover, you can further elect to exclude weekdays or weekends, if required.

The conditions and amounts listed below are a summary. Please review the full cover benefit details of your purchase (available before making final payment), to ensure you are familiar with the respective death and injury definitions, conditions and benefit amounts. Your policy documentation (emailed to you immediately after purchase) will further contain the full legal and technical definitions of the respective accidental injuries and death conditions.

See also Q&A: “What legal definitions will be used to assess claims?” below.

Note that Go Cover is not a form of indemnity insurance and the payouts are therefore not influenced by actual medical expenses. The injury payouts are as stipulated in your contract, and the respective amount listed will be paid when you meet the specific injury claim criteria. The variable cost of treatment isn’t taken into account. Go Cover payouts might therefore be somewhat more, or less, than your actual medical expenses relating to the injury. Go Cover provides cover for accidental death and accidental injuries only. This excludes all natural causes.

The conditions and amounts listed below are a summary. Please review the full cover benefit details of your purchase (available before making final payment), to ensure you are familiar with the respective death and injury definitions, conditions and benefit amounts. Your policy documentation (emailed to you immediately after purchase) will further contain the full legal and technical definitions of the respective accidental injuries and death conditions.

See also Q&A: “What legal definitions will be used to assess claims?” below.

Note that Go Cover is not a form of indemnity insurance and the payouts are therefore not influenced by actual medical expenses. The injury payouts are as stipulated in your contract, and the respective amount listed will be paid when you meet the specific injury claim criteria. The variable cost of treatment isn’t taken into account. Go Cover payouts might therefore be somewhat more, or less, than your actual medical expenses relating to the injury. Go Cover provides cover for accidental death and accidental injuries only. This excludes all natural causes.

The conditions and amounts listed below are a summary. Please review the full cover benefit details of your contract (available before making a final purchase), to ensure you are familiar with the respective death and injury definitions, conditions and benefit amounts. Your policy documentation (emailed to you immediately after purchase) will further contain the full legal and technical definitions of the respective accidental injuries and death conditions.

See also Q&A: “What legal definitions will be used to assess claims?” below.

Note that Go Cover is not a form of indemnity insurance and the payouts are therefore not influenced by actual medical expenses. The injury payouts are as stipulated in your contract, and the respective amount listed will be paid when you meet the specific injury claim criteria. The variable cost of treatment isn’t taken into account. Go Cover payouts might therefore be somewhat more, or less, than your actual medical expenses relating to the injury. Go Cover provides cover for accidental death and accidental injuries only. This excludes all natural causes.

The conditions and amounts listed below are a summary. Please review the full cover benefit details of your contract (available before making a final purchase), to ensure you are familiar with the respective death and injury definitions, conditions and benefit amounts. Your policy documentation (emailed to you immediately after purchase) will further contain the full legal and technical definitions of the respective accidental injuries and death conditions.

See also Q&A: “What legal definitions will be used to assess claims?” below.

Note that Go Cover is not a form of indemnity insurance and the payouts are therefore not influenced by actual medical expenses. The injury payouts are as stipulated in your contract, and the respective amount listed will be paid when you meet the specific injury claim criteria. The variable cost of treatment isn’t taken into account. Go Cover payouts might therefore be somewhat more, or less, than your actual medical expenses relating to the injury. Go Cover provides cover for accidental death and accidental injuries only. This excludes all natural causes.

The conditions and amounts listed below are a summary. Please review the full cover benefit details of your contract (available before making a final purchase), to ensure you are familiar with the respective death and injury definitions, conditions and benefit amounts. Your policy documentation (emailed to you immediately after purchase) will further contain the full legal and technical definitions of the respective accidental injuries and death conditions.

See also Q&A: “What legal definitions will be used to assess claims?” below.

Note that Go Cover is not a form of indemnity insurance and the payouts are therefore not influenced by actual medical expenses. The injury payouts are as stipulated in your contract, and the respective amount listed will be paid when you meet the specific injury claim criteria. The variable cost of treatment isn’t taken into account. Go Cover payouts might therefore be somewhat more, or less, than your actual medical expenses relating to the injury. Go Cover provides cover for accidental death and accidental injuries only. This excludes all natural causes.

Go Cover allows you to purchase cover in any convenient way you choose:

Once-off cover

This is ideal if you wish to purchase cover, once-off, for a consecutive number of days – from 24 hours up to 90 days. You can select any start and end date within the available 90-day period.

Custom cover

Custom cover is useful if you wish to “cherry-pick” any combination and number of days, within a 90-day period. The days do not have to be consecutive.

Recurring cover

Ongoing weekly, fortnightly (every two weeks), or monthly periods and payment – within which you can either include all days of the week, or weekdays or weekends only.

Cover can be purchased, once-off, for 24 hours, or any number of consecutive days up to 90 days. Or it can be purchased weekly, fortnightly, or monthly as a recurring subscription. The cost of cover is calculated on a decreasing scale dependent on the number of people, number of days, and the amount of cover purchased.

For example, for a once-off, 24-hour period, the current cost for one person is:

• R12 for up to R100 000 cover
• R16 for up to R200 000 cover
• R20 for up to R300 000 cover
• R24 for up to R500 000 cover
• R35 for up to R1 000 000 cover

For a once-off, consecutive 90-day period, the current cost for one person is:

• R2.20/day for up to R100 000 cover
• R4.02/day for up to R200 000 cover
• R4.66/day for up to R300 000 cover
• R7.08/day for up to R500 000 cover
• R13.12/day for up to R1 000 000 cover

Instant activation

When purchasing cover for yourself, cover can be purchased and activated instantly. You may also purchase a period of cover to be activated at a future time and date. For example, you may choose to purchase two days of cover (48 hours) for yourself and activate it immediately. Or you may choose to activate the two days of cover starting next Saturday at 9am.

24-hour activation

When purchasing for others, making a group purchase (including yourself), or purchasing cover while outside South Africa, cover is only available from 24 hours into the future. For example, if it is 9am in the morning today, you can only buy cover for another person or a group of people for a period beginning from 9am tomorrow. This is to ensure the safety and security of everyone using Go Cover, and to limit fraudulent activity.

With Go Cover you can purchase cover for yourself, family, domestic helpers, employees and clients – for a wide range of activities and occasions. Naming each of your cover purchases will help you identify and remember who and for what you purchased cover for.

You can choose any name up to 25 characters. Some examples are: Mountain Bike Training, Family Road Trip, Staff Outing, Client Safari, 2018 Harvest, School Hockey Tour, etc. You can edit the name during the buy process by tapping on it.

Go Cover allows you to purchase cover in any convenient way you choose:

Once-off cover

This is ideal if you wish to purchase cover, once-off, for a consecutive number of days – from 24 hours up to 90 days. You can select any start and end date within the available 90-day period.

Custom cover

Custom cover is useful if you wish to “cherry-pick” any combination and number of days, within a 90-day period. The days do not have to be consecutive.

Recurring cover

Ongoing weekly, fortnightly (every two weeks), or monthly periods and payment – within which you can either include all days of the week, or weekdays or weekends only.

About once-off cover

Once-off cover allows you to purchase cover for any consecutive number of days within a 90-day period – and choose any available current, or future start and end date. The minimum period is 24 hours, and the maximum period is 90 days.

When purchasing for yourself only, cover can be started immediately. When purchasing for others, making a group purchase (including yourself), or purchasing cover while outside South Africa, the first available start date is 24 hours into the future. For example, if it is 9am in the morning today, you can only activate cover for another person – or a group of people – for a period beginning from 9am tomorrow. This is to ensure the safety and security of everyone using Go Cover, and to limit fraudulent activity.

A contract will be emailed to you within 5 minutes of a successful purchase.

Buying once-off cover

In the buy process, after you have selected the person or people you wish to cover, you will be required to select the frequency and period you wish to be covered for. From the available options in the date selector, choose the “Once-off” tab option.

Select your start date and then your end date by tapping on the available days in the calendar (any period within 90 days). Your first tap will be the start date and your second tap will be the end date (unless you mistakenly select an end date before the start date). Repeat this sequence to change your start and end dates or tap the “Clear” button. To select a single day (or 24 hours), tap on the same date twice. Once you are happy with the selection, tap the “Submit” button.

Editing or changing once-off cover

Before finalising your purchase, you can edit your dates at any stage during the buy process by tapping on your date selection on the “Buy Cover” screen. Existing once-off contracts can’t be edited or changed after the purchase has occurred.

Cancelling once-off cover

For continuous, once-off cover amounts greater than 31 days, a 31-day “cool-off” period applies. For example, if you buy 50 days of continuous cover, and cancel after 10 days, you will receive a refund for the balance of 40 days – less the sum of the cost of 10 days’ cover and any admin expenses. The “cool-off” period does not apply to cover periods of less than 31 continuous days.

About recurring cover

Recurring cover allows for ongoing weekly, fortnightly (every two weeks), or monthly periods and payment – within which you can either include all days of the week, or weekdays or weekends only. For example, as a “weekend warrior”, you can choose to be covered on Saturdays and Sundays only, but pay on a weekly, fortnightly or monthly basis. Or as a business owner, you can choose to cover your clients and staff on weekdays only and pay on a weekly, fortnightly or monthly basis. Recurring cover can start (and then repeat) on any day of the week or date of the month.

When purchasing for yourself only, cover can be started immediately. When purchasing for others, or when making a group purchase (including yourself), or when purchasing cover while outside South Africa, the first available start date is 24 hours into the future. For example, if it is 9am in the morning today, you can only start cover for another person – or a group of people – for a period beginning from 9am tomorrow. This is to ensure the safety and security of everyone using Go Cover, and to limit fraudulent activity.

A contract will be emailed to you within 5 minutes of a successful purchase, and on the first day of each recurring period. Subsequent payments will also be deducted on the first day of each recurring period.

Buying recurring cover

In the buy process, after you have selected the person or people you wish to cover, you will be required to select the frequency and period you wish to be covered for. From the available options in the date selector, choose the “Recurring” tab option. From the dropdown menus you will then be able to select your recurring period (monthly, fortnightly, or weekly) and the respective days in the week you wish to be covered for (all days, weekdays, or weekends).

Select your start date by tapping on the available days in the calendar (any start date within 60 days). The end date for the period will automatically be inserted based on the recurring period you have selected, as will the subsequent repeating start and end dates. To change the start date (and ongoing repeat dates), tap on any other available date.

Editing or changing recurring cover

Before finalising your purchase, you can edit your dates at any stage during the buy process by tapping on your date selection on the “Buy Cover” screen.

Existing recurring cover contracts can also be edited or changed after purchase. You can change the cover amount, add or subtract people, or change the recurring period or date. Changes made will take effect after the current recurring period has ended (from the next repeat). For example, you have monthly cover which repeats and is charged on the first of every month. During April you decide to edit your contract and increase your cover from R500 000 to R1 million, and you further add two other people. Your existing cover will then continue until end April, and the changes made will apply from 1 May – and an updated contract sent.

Note that contractual changes or edits to existing recurring cover cannot be processed within the last 24 hours of a current recurring period.

Cancelling recurring cover

Recurring cover can be cancelled at any time. Cover will continue to the end of the current recurring period, and the respective contract will not be renewed or charged. To cancel recurring cover, select the contract on the Go Cover home page, and tap the “Cancel” button.

About custom cover

Custom cover is useful if you wish to choose any combination and number of days (a day is a full 24-hour period from 00h00 to 11h59), within an available 90-day period. The days do not have to be consecutive. For example, you may want to cover yourself while travelling, or on a roadshow, for certain days that match your particular schedule.

When purchasing for yourself only, cover can be selected from the first available full day (24 hours period, from 00h00 to 11h59). When purchasing for others, or when making a group purchase (including yourself), or when purchasing cover while outside South Africa, the first available start date will be at least 24-hour into the future. This is to ensure the safety and security of everyone using Go Cover, and to limit fraudulent activity.

A contract will be emailed to you within 5 minutes of a successful purchase.

Buying custom cover

In the buy process, after you have selected the person or people you wish to cover, you will be required to select the frequency and period you wish to be covered for. From the available options in the date selector, choose the “Custom” tab option.

To select days, tap on any of the available days in the calendar (any period within 90 days). To deselect a date, tap on the same date. Use the “Clear” button to clear all dates. Once you are happy with the selection, tap the “Submit” button.

Editing or changing custom cover

Before finalising your purchase, you can edit your dates at any stage during the buy process by tapping on your date selection on the “Buy Cover” screen. Existing custom contracts can’t be edited or changed after the purchase has occurred.

It is possible that one or more periods of cover may overlap with a previous purchase – either cover that was purchased by you, or for you by someone else, or redeemed via an existing promotion. However, cover amounts are not accumulative where multiple contracts overlap. Claims will only be paid against the single contract with the highest cover amount at any given time. Or if the same amount, then the most recent contract will apply.

For example, you purchase R500 000 cover for a period of 7 days. You then purchase additional cover (or someone buys it for you) for R1 million for 20 days, which overlaps with the first cover purchased for two of the days. Then, during those two overlapping days, you will be covered under the R1 million contract (being the higher of the two) only. The overlapping contracts will not represent an accumulative cover amount of R1.5 million. The reason being that each contract is priced individually based on several variables (such as the risk, amount of cover, number of days, number of people, etc.) with differing benefits and payout amounts. A contract for R1.5 million would carry a substantially different risk, price, benefit and payout structure than that of the two individual contracts.

You will be notified prior to a purchase should any existing, overlapping cover exist.

Select the “People” icon in the bottom navigation bar of the app to access the “My People” screen, and then tap on the “New Group” link. Once you have named the group you will then have the opportunity of selecting or adding people – either individually or via the “Bulk Upload” link.

When you click on the “Bulk Upload” link, you will be presented with a QR code scanner, and prompted to navigate to the bulk upload website on your PC or Mac.

On the bulk upload website, point your Go Cover App scanner at the dynamic QR code on the website. This will link your mobile app session to the website, allowing you to download an Excel template. You can then populate the template with as many people as you’d like, upload it on the website, and then save that bulk upload to your group within the app.

Once-off cover cancellation

For continuous, once-off cover amounts greater than 31 days, a 31-day “cool-off” period applies. For example, if you buy 50 days of continuous cover, and cancel after 10 days, you will receive a refund for the balance of 40 days – less the sum of the cost of 10 days’ cover and any admin expenses. The “cool-off” period does not apply to cover periods of less than 31 continuous days.

Recurring cover cancellation

Recurring cover (weekly, fortnightly, monthly) can be cancelled at any time. Cover will continue to the end of the current recurring period, and the respective contract will not be renewed or charged. To cancel recurring cover, select the contract on the Go Cover home page, and tap the “Cancel” button.

Once-off and custom cover

Existing once-off, or custom cover contracts can’t be edited or changed.

Recurring cover

Existing recurring cover (weekly, fortnightly, or monthly) contracts can be edited or changed. You can change the cover amount, add or subtract people, or change the recurring period or date. Changes made will take effect after the current recurring period has ended (from the next repeat). For example, you have monthly cover which repeats and is charged on the first of every month. During April you decide to edit your contract and increase your cover from R500 000 to R1 million, and you further add two other people. Your existing cover will then continue until end April, and the changes made will apply from 1 May – and an updated contract sent.

Note that contractual changes or edits to existing recurring cover cannot be processed within the last 24 hours of a current recurring period.

Yes. Tap on the “My Cover” tab at the bottom of the screen and then select the contract you wish to repeat. Once the contract has loaded, tap the “Repeat” button, edit or update any of the details, and check out.

If you have a conventional promotional voucher code (numbers and/or letters), go to the “Promotions” page in the app menu, and click on the “Enter” or “Scan Promo Code” button. Then enter and redeem your voucher.

If you are presented with a Go Cover QR code (usually in the shape of a square, two-dimensional block), you can scan it with your device’s on-board QR scanner. This should automatically open the Go Cover app (if you already have it downloaded to your device). Alternatively, select “Promotions” in the app menu and click on the “Enter” or “Scan Promo Code” button.

Credit/debit cards

You can currently purchase Go Cover on the app or website with your credit card (we accept VISA and Mastercard), or selected debit cards – regardless of the country of issue. Please check with your issuing bank in the event that you are unable to make an online purchase – individual conditions may apply. American Express (AMEX), Diners Club or UnionPay are not accepted at this time.

Alternative payment options will be released in the future.

Go Cover takes the protection of your personal information, privacy, and card payment processing safety and security very seriously.

All card data is held within a secure payment gateway. No card details are stored within the app, or our service layer. Our service layer is operated from a certified data centre, compliant with POPI (Protection of Personal Information Act) and data protection provisions – applicable in the EU and South Africa. The Sanlam Group’s security policies are in force, in addition to an annual independent assessment by an internationally certified cybersecurity consultancy.

When purchasing cover, you have the opportunity of adding or selecting a bank card in the payment screen during the checkout process. You may also add cards by selecting the “Payment Detail” link in the “Profile” menu.

Should you wish to change a bank card being used for existing recurring cover, select the relevant contract on the “My Cover” screen, and tap the “Edit” button. In the edit process, you will have the opportunity of adding or changing a card. Once you have confirmed the change, your new bank card details will apply to the next recurring premium.

We accept Mastercard and VISA. Other cards such as American Express (AMEX), Diners Club or UnionPay are not accepted at this time.

There are a number of reasons why your bank card may not be accepted:

Firstly, ensure your card is a Mastercard or VISA. We unfortunately do not accept American Express (AMEX), Diners Club or UnionPay cards.

If you are using a VISA or MasterCard your card will be pre-authorised at the time of your purchase, and the payment will be settled with your bank within 5 minutes. However, your card issuing bank reserves the right to deny (also known as decline) both pre-authorisations or settlement instructions on your card. Not all declines are related to lack of funds (the most common reason for a decline); there can be a variety of reasons why your bank may choose to decline, such as increased spending patterns around the time of travel or holidays.

We and our payment processing partner recommend that, if you are transacting with a VISA or MasterCard, and you have an available positive balance, that you contact your bank and find out why the transaction may have been refused. Look for your bank’s helpdesk number on the back of your debit or credit card.

We will send you a reminder if your bank card is about to expire – 30 days before, and then again at 7 days. You may add a new bank card by selecting the “Payment Detail” link in the “Profile” menu. Or, you can add a new card, or select an existing card, in the payment screen during the checkout process.

Any recurring cover will not automatically renew if your card has expired (or if there are insufficient funds). Should you wish to restart your recurring cover at any stage, you can select the relevant contract in the “My Cover” screen, and tap repeat. Your updated card detail can be added in the subsequent repurchase process, or before, via the “Payment Detail” link in the “Profile” menu.

Your personal details can be updated by tapping on the “Profile” tab and selecting “My Details”.

The following details can be edited:

• Email address
• Beneficiary
• Contact person

The following personal details are protected and cannot be edited – please contact us at support@gocover.co.za for assistance:

• Name
• Surname
• Nationality
• ID or passport number/date of birth
• Mobile number

All claims can be submitted via the claims section on the Go Cover website (www.gocover.co.za), or you can contact us at:

Accidental injury claim:

To claim for an accidental injury, you will need to provide details of the incident, medical information, and (in the event of a crime) the case details. We will require the following documentation:

• A completed injury claim form
• Identity document, driver’s licence or passport (if you’re a foreigner)
• Hospital bill reflecting your ID number, and ICD-10 codes and dates for all procedures done
• Police report, if applicable (e.g. crime-related incident or motor vehicle accident)
• Proof of bank account, or Curator Bonis/Administrator’s appointment from High Court (if the insured is incapacitated)
• Copies of X-rays or scans (if claiming for fractures)
• A short letter from the treating doctor confirming the injuries

You can claim on your Go Cover policy up to 6 months after the incident.

Accidental death claim:

To claim for accidental death, you will need to provide the personal information of the deceased, details of death, details of contact person/beneficiary, and the relevant case number. We will require the following documentation:

• Death certificate (foreign documents accepted if death occurred in foreign country)
• ID document, driver’s licence or passport (if you’re a foreigner) of the beneficiary
• Proof of the beneficiary’s bank account
• Police report explaining cause of death

Depending on the nature of the incident, additional supporting documentation may be required during the claims process.

Go Cover covers a predefined list of accidental outcomes and causes of death. This excludes all natural causes. Be sure to review the full cover benefit details of your contract (available before making a final purchase), to ensure you are familiar with the respective death and injury conditions and amounts. Your policy documentation (emailed to you immediately after purchase) will also contain the full legal and technical definitions of the respective accidental injuries and death conditions.

Please also review the relevant Q&As in the “Benefits, Duration & Costs” section above.

The following definitions will be used to assess claims. These will be communicated in the Policy Contract.

Death

• Accidental death: A benefit may be claimed when the death of the life insured resulted directly and solely from a bodily injury.

Coma

• A condition of unconsciousness where the life insured presents with a Glasgow Coma Scale of 8 or less, and is dependent on life-sustaining aids, such as a ventilator and intravenous infusion, for an uninterrupted period of at least 72 hours. Medical sedation for purposes of ventilation or to reduce brain oedema is not regarded as being in a coma for this purpose.

Paraplegia

• Total, permanent and irrecoverable loss of function of both lower extremities, with or without loss of bowel or bladder function.

Quadriplegia

• Total, permanent and irrecoverable loss of function of all four limbs.

Total loss of Vision

• Both eyes: Permanent, irreversible and total loss of vision in both eyes, with sharpness of vision of 6/60 or worse in the better eye when measured with the use of visual aids.
• One eye: Permanent, irreversible and total loss of vision in one eye with sharpness of vision of 3/60 or worse when measured with the use of visual aids.

Total loss of hearing

• Permanent, irreversible and total loss of hearing in both ears. This means that the average hearing levels, tested with hearing aids when applicable, at audible frequencies is less than 90 decibels.

Admission into ICU for 48 hours or more

• Admission into a registered intensive care unit with mechanical ventilation continuously for at least 48 hours.

Serious head injury

• A head injury requiring surgery in the form of a craniotomy, decompression holes to drain a brain bleeding, or open reduction of a depressed skull fracture.

Serious burns

• Third-degree burn wounds that are full thickness of the skin and cover at least 10% of the body surface area, as determined by the Lund and Browder chart or equivalent.

Amputation

• Thumb: Complete physical severance of a thumb at the level of the metacarpophalangeal (MP) joint.
• Any other finger: Complete physical severance of any finger other than the thumb at the level of the metacarpophalangeal (MP) joint.
• Hand or foot: Complete physical severance of one hand at the level of the wrist, or one foot at the level of the ankle joint. Surgical reconstruction after amputation will not affect this benefit.
• Arm or leg: Complete physical severance of one arm above the level of the elbow, or one leg above the level of the knee. Surgical reconstruction after amputation will not affect this benefit.

Penetrating gunshot wounds or stab wounds

• Head: Penetrating gunshot wound of the skull or penetration by a sharp object through the skull resulting in surgical exploration of the skull under general anaesthetic.
• Neck, chest or abdomen: Penetrating gunshot wound of the chest or abdomen or penetration by a sharp object into the chest or abdominal cavities, resulting in surgical exploration under general anaesthetic.

Fractures

• All fractures will need to be proven on X-rays or bone scans.
• Multiple rib fractures: Multiple rib fractures, resulting in artificial ventilation in an intensive care unit in order to sustain a stable blood-gas profile.
• Any rib fracture not requiring hospitalisation: Fracture of any rib(s) which needs conservative treatment on an outpatient basis.
• Unstable pelvis fracture: More than one fracture of the pelvic framework, resulting in instability, and requiring surgical intervention.
• Fracture-dislocation of the spine requiring fusion: Objective radiological evidence of a fracture-dislocation of the spine, involving dislocation of the facet joints, with or without neurological deficit.
• Any fracture with open reduction and internal fixation, excluding fingers and toes: Any fracture that needs open surgical reduction and internal fixation under general anaesthetic. This benefit excludes fractures of fingers or toes.
• Any fracture of the toes or fingers requiring fixation with a K-wire: Any fracture of a finger or toe that needs open surgical reduction and internal fixation under general anaesthetic.
• Any fracture requiring immobilisation for at least two weeks, excluding minor toes and fingers: Any fracture requiring immobilisation with a plaster cast, splint or brace for at least two weeks. Fractures of the third and fourth toes, and third and fourth fingers are not covered by this benefit.
• Fracture of the skull requiring reconstructive surgery: Depressed or displaced skull fracture of the frontal, parietal, temporal, sphenoid or occipital bones requiring surgical correction.
• Fracture of the facial bones requiring reconstructive surgery: Fractures of the frontal bones, orbital bones, zygoma, and/or maxilla resulting in maxillofacial reconstructive surgery.

Loss of bowel or bladder function

• Total, permanent and irrecoverable loss of function of the bowel or bladder, resulting in a permanent stoma or indwelling catheter.

Loss of function of a limb

• Total, permanent and irrecoverable loss of function of an upper or lower limb. Maximum medical improvement must have been reached with little or no chance of significant further improvement. The loss of function will be estimated after all medical, surgical and rehabilitation measures have been applied. All percentages of loss of function are calculated per limb according to principles and ratings of the latest edition of the American Medical Association's Guides to the Evaluation of Permanent Impairment.

Fat embolism of the lungs after injury

• Fat embolism in the lung following a fracture, confirmed by a ventilation-perfusion (VQ) scan.

Rupture of the liver, spleen or kidney

• Blunt injury to the abdomen resulting in rupture of the liver or spleen, or injury to the kidney, necessitating emergency laparotomy and surgical repair, splenectomy or nephrectomy.

Near drowning

• Near drowning necessitating emergency resuscitation as witnessed by paramedical personnel, and requiring care in an intensive care unit for at least 48 hours.

Animal bite to the face requiring plastic surgery

• Animal bite to the face requiring primary suturing, followed by multi-phase repair by a plastic and reconstructive surgeon under general anaesthetic.

Animal bite to any part of the body, requiring intervention in theatre on more than one occasion

• Animal bite to any part of the body, requiring debridement under anaesthetic, and followed by secondary suturing and/or closing of defect with the use of skin flaps.

Snake bite

• A poisonous snake bite confirmed medically, necessitating anti-venom treatment and hospitalisation for at least 48 hours.

Severe blood loss requiring blood transfusion

• Severe blood loss due to an injury, necessitating at least 2 units of blood transfusion.

Go Cover can be contacted at +27 21 916 3500, Monday to Friday, 08h00 to 17h00 (GMT+2).

General

• The insurance policy provides protection against injury or death resulting from an accidental cause. This excludes all natural causes.
• A policyholder needs to be 18 years or older to purchase Go Cover for themselves or others.
• When purchasing cover for others, the insured (person for whom cover is bought) must be either a spouse/partner, child, family member, employee, or client of the person purchasing the cover (the policyholder).
• Children are covered against the full list of accidental injuries as per adults. However, for their safety, the accidental death benefit amount is limited to R50 000 for children aged 7 to 14, and R20 000 for children under 6.
• A life insured will not be covered for incidents related to illegal activity, death or injury brought about by natural causes or self-harm, and any accidents listed under “Go Cover Exclusions” (see FAQ above: “Are there any exclusions to what is covered?”).
• Cover purchased, or promotional offers redeemed, via the Go Cover app and website are guaranteed from the time that cover is activated until the cover period ends. This applies to (amongst others, and not limited to): the claim conditions covered, the claim amounts they are covered for, the exact definitions used, the caps that apply, and the premium rates.
• Go Cover will require limited access to the policyholder and insured’s location at the point of purchase and cover activation. The application will not function correctly, and cover cannot be purchased, without location access.
• Individuals can only be insured on a single active policy at a specific time. It is possible that one or more periods of cover may overlap with a previous purchase – either cover that was purchased by you, or for you by someone else, or redeemed via an existing promotion. However, cover amounts are not accumulative where multiple contracts overlap. Claims will only be paid against the single contract with the highest cover amount at any given time. Or if the same amount, then the most recent contract will apply.
• Foreigners and visitors (non-South African citizens) are permitted to buy Go Cover but will only be covered against incidents that occur within the country’s borders.
• The policy will be cancelled, and the policyholder will forfeit all payments made, if the insured submits a fraudulent claim for a benefit, or if the policyholder or life insured supplies false information. Sanlam Life retains the right to open criminal proceedings against anyone who submits a fraudulent claim.
• We take the protection of your privacy, personal information, and security, very seriously – and have undertaken all reasonable measures possible.

Exclusions

See FAQ above: “Are there any exclusions to what is covered?”.

Accidental injury and death

By purchasing accidental injury and death cover via the Go Cover app or website, you are entering into a Certificate of Participation with an insurance policy offered according to the Long-term Insurance Act of South Africa, 1998. This certificate of participation enables you to partake in the insurance policy according to the details set out in the Specific Policy Details (Section 1) and the General Policy Details (Section 2) of your contract.

Go Cover insurance policies are issued by Sanlam Life Insurance Limited (Reg. no. 1998/021121/06), a Licensed Financial Services and Registered Credit Provider (NCRCP43).

Insurance policies purchased through the Go Cover app or website provide protection against injury or death resulting from an accidental cause as contained in the “benefits to be provided” details of your contract (Section 1.8).

Privacy Policy Model for Mobile Applications

This privacy policy governs your use of the software application Sanlam Go Cover (“Application”) for mobile devices that was created by Sanlam Life Insurance Limited (Reg. no. 1998/021121/06). The Application is for the registration, purchase and claim of short-term personal insurance.

What information does the Application obtain and how is it used?

• User Provided Information:
  The Application obtains the information you provide when you download and register the Application. Registration with us is optional. However, please keep in mind that you may not be able to use some of the features offered by the Application unless you register with us.
  When you register with us and use the Application, you generally provide (a) your mobile number, name, nationality, ID or passport number, age, email address, and optional beneficiary and/or contact person detail; (b) transaction-related information, such as when you make purchases, respond to any offers, or download or use applications from us; (c) information you provide us when you contact us for help; (d) bank card and payment information for purchase and use of the Application, and; (e) information you enter into our system when using the Application.
  We may also use the information you provided us to contact your from time to time to provide you with important information, required notices and marketing promotions.
• Automatically Collected Information:
  In addition, the Application may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile device’s unique device ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browsers you use, and information about the way you use the Application.

Does the Application collect precise real time location information of the device?

When you visit the mobile application, we may use GPS technology (or other similar technology) to determine your current location in order to activate cover, process any claims, and monitor fraudulent activity. We do not continuously track our users and respect our clients’ privacy. We do not share your current location with other users or partners.

Do third parties see and/or have access to information obtained by the Application?

• We will share your information with third parties only as required by law, such as to comply with a subpoena, or similar legal process;
• when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request;
• when required by our trusted service providers who work on our behalf to deliver key services, but do not have an independent use of the information we disclose to them, and have agreed to adhere to the rules set forth in this privacy statement;
• if Sanlam Life Insurance Limited (Reg. no. 1998/021121/06) is involved in a merger, acquisition, or sale of all or a portion of its assets – however, you will be notified via email and/or a prominent notice on our website of any change in ownership or uses of this information, as well as any choices you may have regarding this information.

What are my opt-out rights?

You can stop all collection of information by the Application easily by uninstalling the Application. You may use the standard uninstall processes as may be available as part of your mobile device or via the mobile application marketplace or network. You can also request to opt-out via email, at info@gocover.co.za.

Data Retention Policy, Managing Your Information

We will retain User Provided Data for as long as you use the Application and for a reasonable time thereafter. We will retain Automatically Collected Information for up to 72 months and thereafter may store it in aggregate. If you’d like us to delete User Provided Data that you have provided via the Application, please contact us at info@gocover.co.za and we will respond in a reasonable time. Please note that some or all of the User Provided Data may be required in order for the Application to function properly.

Children

We do not use the Application to knowingly solicit data from or market to children under the age of 13. If a parent or guardian becomes aware that his or her child has provided us with information without their consent, he or she should contact us at info@gocover.co.za. We will delete such information from our files within a reasonable time.

Security

We are concerned about safeguarding the confidentiality of your information. We provide physical, electronic, and procedural safeguards to protect information we process and maintain. For example, we limit access to this information to authorised employees and contractors who need to know that information in order to operate, develop or improve our Application. Please be aware that, although we endeavour to provide reasonable security for information we process and maintain, no security system can prevent all potential security breaches.

All card data is held within a secure payment gateway. No card details are stored within the app, or our service layer. Our service layer is operated from a certified data centre, compliant with POPI (Protection of Personal Information Act) and data protection provisions – applicable in the EU and South Africa. The Sanlam Group’s security policies are in force, in addition to an annual independent assessment by an internationally certified cybersecurity consultancy.

Changes

This Privacy Policy may be updated from time to time for any reason. We will notify you of any changes to our Privacy Policy by posting the new Privacy Policy here and informing you via email or text message. You are advised to consult this Privacy Policy regularly for any changes, as continued use is deemed approval of all changes. You can check the history of this policy under “History” in the menu.

By using the Application, you are consenting to our processing of your information as set forth in this Privacy Policy now and as amended by us. "Processing," means using cookies on a computer/handheld device or using or touching information in any way, including, but not limited to, collecting, storing, deleting, using, combining and disclosing information, all of which activities will take place in South Africa and/or the European Union which is compliant with South African privacy laws.

Contact us

If you have any questions regarding privacy while using the Application, or have questions about our practices, please contact us via email at info@gocover.co.za.