Sanlam General Insurance
Travel Insurance
Travel cover · Regulated by the IRA
What is this?
It covers you while you are away from home. Hospital bills abroad, a cancelled trip, lost bags, and harm you do to other people.
What a year costs, and what it buys
- A year costs you
- not disclosed
- A year buys you
- KES 500,000
the medical limit on the Leisure Comprehensive plan, in US dollars. The Schengen plan covers USD 80,000.
- · This is cover you renew each year. Nothing builds up and nothing comes back.
- · What you actually pay depends on your own details.
- · Worked out from the company's own published figures.
The details that matter for this kind of plan
| Medical bills abroad | Up to USD 500,000, or USD 80,000 on the Schengen plan |
|---|---|
| What you pay on a claim | USD 35 on outpatient care and cancellation, USD 25 on luggage |
| If your trip is cancelled | Up to USD 2,000 |
| If your luggage goes | Up to USD 2,000 |
| Who can be covered | Ages 0 to 69 |
| Who actually pays a claim | Sanlam General Insurance. Standard Chartered only sells it |
What does it cost you?
Sanlam General Insurance does not publish what it charges. We looked for one charge and found no figure for any of them:
- · No premium of any kind appears on the page.
What if you stop paying?
You buy it for one trip. There is nothing to keep paying.
What if you need the money early?
There is nothing to take out. This is cover, not savings.
Who this suits
It could work for you if
You need cover for a visa, or you are travelling and want hospital bills paid abroad.
Think twice if
You are 70 or older. The cover stops at 69.
How openly does this company explain its charges?
CLeaves real gaps
7 of 10 answered
- What do they charge you every year?This kind of charge does not exist on this product.
- What is taken off the money you pay in?This kind of charge does not exist on this product.
- What does it cost to get out early?There is nothing to cash out, so there is no exit charge.
- What is the smallest amount you can start with?They do not publish a minimum. You have to ask an agent.
- How long is your money tied up?Not applicable to this kind of product.
- Is the advertised return before or after their charges?This kind of product does not advertise a return.
- Do they warn you the return is not guaranteed?This kind of product does not advertise a return.
- Do they tell you what you get back if you stop early?You get whatever your money is worth on the day. There is no schedule.
- Do they list what is not covered?No list of exclusions appears in the sources we checked.
- Are all their charges published?No. 1 charge is mentioned without a figure.
- Do they say who regulates them?Yes — the IRA. That is who you complain to.
This grades how openly things are explained, not whether the plan is good or bad. See how we work it out.
Things to know before you sign
- · The page publishes every limit and every excess, and no price. The same bank publishes its car insurance rate in full.
- · Nobody aged 70 or over can be covered.
- · A Schengen visa needs medical cover of at least EUR 30,000. The Schengen plan here covers USD 80,000.
- · Standard Chartered says the exclusions are in the policy wording, which Sanlam provides after you buy.
- · Standard Chartered sells the policy, Sanlam General carries the risk, and the IRA supervises Sanlam General.
Talk to them
- Website: www.sc.com/ke/insurance
- If something goes wrong, the IRA is who supervises them.
Where we got this
- Read on 2026-08-20