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How Sanlam Reality works

Sanlam Reality is a lifestyle and rewards programme available to all Sanlam and Santam clients and members of Bonitas Medical Fund, Fedhealth Medical Aid, Barloworld Medical Scheme and Nedgroup Medical Aid Scheme. Sanlam Reality members get special offers on selected Sanlam products, save money on wellness, travel and entertainment, and are rewarded for financially responsible behaviour by earning tier points. With Sanlam Reality, taking care of your money should be rewarding. If you are not yet a Sanlam client, please speak to a financial planner. Click here to request a financial planner visit.

Membership options and benefits

Sanlam Reality is offering a variety of membership options to suit each lifestyle and pocket. Depending on your qualifying product, you can join a membership option detailed below. Santam and Sanlam clients can opt for Reality Plus, Reality Core or Reality Club. Bonitas, Barloworld and Nedgroup Medical Aid Scheme members can opt for Reality Health, Reality Core or Reality Club. Fedhealth members can opt in for Reality Health and Reality Core.

Reality Health

R 180 per month

Reality Plus

R 180 per month

Reality Core

R 80 per month

Reality Club

R 39 per month

Reality Health

R 230 per month

Reality Plus

R 230 per month

Reality Core

R 115 per month

Reality Club

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Benefit categories

  •   Reality HealthReality PlusReality CoreReality Club
  • Sanlam Premier Risk Products
    Reality Health
    Up to 30% off
    Reality Plus
    Up to 30% off
    Reality Core
    -
    Reality Club
    -
  • Sanlam Premier Risk Products
    Reality Health
    Up to 30% off
    Reality Plus
    Up to 30% off
    Reality Core
    -
    Reality Club
    -
  • Sanlam Savings Products
    Reality Health
    Up to 100% off primary asset management charges
    Reality Plus
    Up to 100% off primary asset management charges
    Reality Core
    Up to 100% off primary asset management charges
    Reality Club
    -
  • Sanlam Savings Products
    Reality Health
    Up to 100% off primary asset management charges
    Reality Plus
    Up to 100% off primary asset management charges
    Reality Core
    Up to 100% off primary asset management charges
    Reality Club
    -
  • Sanlam Personal Loans
    Reality Health
    Earn a cash-back reward of up to 20%
    Reality Plus
    Earn a cash-back reward of up to 20%
    Reality Core
    Earn a cash-back reward of up to 20%
    Reality Club
    -
  • Sanlam Personal Loans
    Reality Health
    Earn a cash-back reward of up to 20%
    Reality Plus
    Earn a cash-back reward of up to 20%
    Reality Core
    Earn a cash-back reward of up to 20%
    Reality Club
    -
  • Sanlam Gap Cover
    Reality Health
    Extra days in hospital
    Reality Plus
    Extra days in hospital
    Reality Core
    Extra days in hospital
    Reality Club
    Extra days in hospital
  • Sanlam Gap Cover
    Reality Health
    Extra days in hospital
    Reality Plus
    Extra days in hospital
    Reality Core
    Extra days in hospital
    Reality Club
    -
  • Sanlam Online Will
    Reality Health
    Draft an online Will and store it at Sanlam for free
    Reality Plus
    Draft an online Will and store it at Sanlam for free
    Reality Core
    Draft an online Will and store it at Sanlam for free
    Reality Club
    Draft an online Will and store it at Sanlam for free
  • Sanlam Online Will
    Reality Health
    Draft an online Will and store it at Sanlam for free
    Reality Plus
    Draft an online Will and store it at Sanlam for free
    Reality Core
    Draft an online Will and store it at Sanlam for free
    Reality Club
    -
  • TaxTim
    Reality Health
    Free tax return assistance with TaxTim
    Reality Plus
    Free tax return assistance with TaxTim
    Reality Core
    Free tax return assistance with TaxTim
    Reality Club
    Free tax return assistance with TaxTim
  • TaxTim
    Reality Health
    Free tax return assistance with TaxTim
    Reality Plus
    Free tax return assistance with TaxTim
    Reality Core
    Free tax return assistance with TaxTim
    Reality Club
    -
  • Money Saver card
    Reality Health
    As much as 10% cash back
    Reality Plus
    As much as 10% cash back
    Reality Core
    As much as 10% cash back
    Reality Club
    As much as 6% cash back
  • Money Saver card
    Reality Health
    As much as 10% cash back
    Reality Plus
    As much as 10% cash back
    Reality Core
    As much as 10% cash back
    Reality Club
    As much as 6% cash back
  • Discount Coupons
    Reality Health
    -
    Reality Plus
    -
    Reality Core
    -
    Reality Club
    Quarterly savings
  • Discount Coupons
    Reality Health
    -
    Reality Plus
    -
    Reality Core
    -
    Reality Club
    -
  • Discounted Magazines
    Reality Health
    -
    Reality Plus
    -
    Reality Core
    -
    Reality Club
    As much as 35% off
  • Discounted Magazines
    Reality Health
    -
    Reality Plus
    -
    Reality Core
    -
    Reality Club
    -
  • Virgin Active Gym
    Reality Health
    As much as 60% off
    Reality Plus
    -
    Reality Core
    -
    Reality Club
    -
  • Virgin Active Gym
    Reality Health
    As much as 60% off
    Reality Plus
    -
    Reality Core
    -
    Reality Club
    -
  • Planet Fitness Gym
    Reality Health
    As much as 80% off
    Reality Plus
    As much as 80% off
    Reality Core
    As much as 60% off
    Reality Club
    20% off
  • Planet Fitness Gym
    Reality Health
    As much as 80% off
    Reality Plus
    As much as 80% off
    Reality Core
    As much as 60% off
    Reality Club
    -
  • JustGym
    Reality Health
    As much as 80% off
    Reality Plus
    As much as 80% off
    Reality Core
    As much as 60% off
    Reality Club
    As much as 60% off
  • JustGym
    Reality Health
    As much as 80% off
    Reality Plus
    As much as 80% off
    Reality Core
    As much as 60% off
    Reality Club
    -
  • Mango Flights
    Reality Health
    As much as 30% off
    Reality Plus
    As much as 30% off
    Reality Core
    As much as 20% off
    Reality Club
    -
  • Mango Flights
    Reality Health
    As much as 30% off
    Reality Plus
    As much as 30% off
    Reality Core
    As much as 20% off
    Reality Club
    -
  • Emirates Flights
    Reality Health
    As much as 25% off
    Reality Plus
    As much as 25% off
    Reality Core
    -
    Reality Club
    -
  • Emirates Flights
    Reality Health
    As much as 25% off
    Reality Plus
    As much as 25% off
    Reality Core
    -
    Reality Club
    -
  • Uber Airport Transfers
    Reality Health
    As much as 30% off
    Reality Plus
    As much as 30% off
    Reality Core
    As much as 30% off
    Reality Club
    -
  • Uber Airport Transfers
    Reality Health
    As much as 30% off
    Reality Plus
    As much as 30% off
    Reality Core
    As much as 30% off
    Reality Club
    -
  • Protea Hotels by Marriott®
    Reality Health
    As much as 30% off
    Reality Plus
    As much as 30% off
    Reality Core
    As much as 20% off
    Reality Club
    -
  • Protea Hotels by Marriott®
    Reality Health
    As much as 30% off
    Reality Plus
    As much as 30% off
    Reality Core
    As much as 20% off
    Reality Club
    -
  • Bidvest Premier Lounges
    Reality Health
    Up to 10 free visits/year
    Reality Plus
    Up to 10 free visits/year
    Reality Core
    -
    Reality Club
    -
  • Bidvest Premier Lounges
    Reality Health
    Up to 20 free visits/year
    Reality Plus
    Up to 20 free visits/year
    Reality Core
    -
    Reality Club
    -
  • Intercape Bus
    Reality Health
    -
    Reality Plus
    -
    Reality Core
    -
    Reality Club
    Buy a ticket, save 50% (up to R375)
  • Intercape Bus
    Reality Health
    -
    Reality Plus
    -
    Reality Core
    -
    Reality Club
    -
  • Nu Metro Movies and Refreshments
    Reality Health
    30 2D or 3D tickets/month; 30 refreshments combos
    Reality Plus
    30 2D or 3D tickets/month; 30 refreshments combos
    Reality Core
    20 2D tickets/month; 20 refreshments combos
    Reality Club
    10 2D tickets/month; 10 refreshments combos
  • Nu Metro Movies and Refreshments
    Reality Health
    30 2D or 3D tickets/month; 30 refreshments combos
    Reality Plus
    30 2D or 3D tickets/month; 30 refreshments combos
    Reality Core
    20 2D tickets/month; 20 refreshments combos
    Reality Club
    -
  • Computicket Shows and Sport
    Reality Health
    As much as R300 off (buy 4, get 4 free/month)
    Reality Plus
    As much as R300 off (buy 4, get 4 free/month)
    Reality Core
    -
    Reality Club
    As much as R80 off (buy 1, get 1 free/month)
  • Computicket Shows and Sport
    Reality Health
    As much as R300 off (buy 4, get 4 free/month)
    Reality Plus
    As much as R300 off (buy 4, get 4 free/month)
    Reality Core
    -
    Reality Club
    -
  • Simfy Africa Music Streaming
    Reality Health
    6 months free; save 7.5% thereafter
    Reality Plus
    6 months free; save 7.5% thereafter
    Reality Core
    6 months free; save 7.5% thereafter
    Reality Club
    -
  • Simfy Africa Music Streaming
    Reality Health
    6 months free; save 7.5% thereafter
    Reality Plus
    6 months free; save 7.5% thereafter
    Reality Core
    6 months free; save 7.5% thereafter
    Reality Club
    -
  • Wi-Fi
    Reality Health
    1GB free/month
    Reality Plus
    1GB free/month
    Reality Core
    -
    Reality Club
    -
  • Wi-Fi
    Reality Health
    1GB free/month
    Reality Plus
    1GB free/month
    Reality Core
    -
    Reality Club
    -
  • Dining
    Reality Health
    As much as R120 off (buy 1 meal, get 1 free)
    Reality Plus
    As much as R120 off (buy 1 meal, get 1 free)
    Reality Core
    -
    Reality Club
    -
  • Dining
    Reality Health
    As much as R120 off (buy 1 meal, get 1 free)
    Reality Plus
    As much as R120 off (buy 1 meal, get 1 free)
    Reality Core
    -
    Reality Club
    -
  • Reality Magazine
    Reality Health
    Quarterly
    Reality Plus
    Quarterly
    Reality Core
    Quarterly
    Reality Club
    -
  • Reality Magazine
    Reality Health
    Quarterly
    Reality Plus
    Quarterly
    Reality Core
    Quarterly
    Reality Club
    -
  • Personal Assistant
    Reality Health
    24/7, 365 days a year
    Reality Plus
    24/7, 365 days a year
    Reality Core
    24/7, 365 days a year
    Reality Club
    24/7, 365 days a year
  • Personal Assistant
    Reality Health
    24/7, 365 days a year
    Reality Plus
    24/7, 365 days a year
    Reality Core
    24/7, 365 days a year
    Reality Club
    -
  • Dial-A-Teacher
    Reality Health
    -
    Reality Plus
    -
    Reality Core
    -
    Reality Club
    Free telephonic assistance
  • Dial-A-Teacher
    Reality Health
    -
    Reality Plus
    -
    Reality Core
    -
    Reality Club
    -
  • Legal Assistance
    Reality Health
    -
    Reality Plus
    -
    Reality Core
    -
    Reality Club
    Free telephonic assistance
  • Legal Assistance
    Reality Health
    -
    Reality Plus
    -
    Reality Core
    -
    Reality Club
    -
  • Trauma and Medical Assist
    Reality Health
    -
    Reality Plus
    -
    Reality Core
    -
    Reality Club
    Free telephonic assistance
  • Trauma and Medical Assist
    Reality Health
    -
    Reality Plus
    -
    Reality Core
    -
    Reality Club
    -

Start your journey and get to gold!

Earn tier points and get rewarded. The more tier points you earn, the higher your tier status and the bigger your discounts on certain benefits. You can earn tier points for activities in four categories: portfolio, managing your risk, programme and online wealth.

Earn points now

Earn cash-back with your Money Saver card

Apply for our transactional shopping card and use it to pay for your day-to-day shopping. Every time you use your Money Saver card at our national partners, including Pick n Pay, participating Engens, Dis-Chem, Clicks, Edgars, Jet, Musica, PEP and more, you qualify to earn a cash-back bonus of as much as 10% of your shopping.

Apply for Money Saver card