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Life Cover That Understands Your Chronic Journey

Cover up to R20 million for HIV, Diabetes, High Cholesterol and  Blood Pressure, and Asthma.

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Insurance that cares for you every step of the way.

Healthy choices deserve better cover. Get life insurance tailored to your chronic condition with up to R20 million in cover.

Dis-Chem-lower-rates@2x

Instant Savings

Get reduced premium rates of up to 60% from day one.

Better Benefits

Smart Underwriting

Your cover can increase in line with your annual health management.

You’re in control.

Health Integration

Seamlessly connect with Dis-Chem’s health ecosystem and get rewarded for healthy choices.

Your cover. Your health. Your rewards.

Chronic conditions we cover

Empowering you to live well by offering comprehensive life insurance for people with chronic illnesses like HIV & Diabetes, through great benefits and support for healthy habits.

Hypertension

Comprehensive coverage with blood pressure management support.

Diabetes

Protection that adapts to your glucose management journey.

HIV

Reliable coverage with medication adherence benefits.

Hypercholesterolemia

Support for cholesterol management with regular monitoring.

Asthma

Protection that adapts to your glucose management journey.

Advanced Protection

Access to a Life, Disability, and Critical Illness Cover.

Comprehensive Cover

Get cover of up to R20 Million.

Seamless Activation

Apply online, visit a Dis-Chem clinic to unlock.

Flexible Payouts

Choose a lump sum or ongoing payments.

Rewarding Healthy Choices

Cover adjusts to your healthy choices, supported by Dis-Chem’s nationwide health ecosystem.

How to get started

Sign up in minutes
and get covered. Today.

1

Quick and Easy Sign-Up

Get covered in just a few clicks! Activate online, on a call or in-person.

2

Start Saving Right Away

Unlock Cover discount, giving you 20% - 100% off Better Rewards brands.

3

Increase Your Benefits

Pop in for a quick complementary HealthCheck at any Dis-Chem store.

4

Manage Your Health

Stay on track with your chronic medication at Dis-Chem and keep enjoying reduced rates.

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Frequently asked questions
Dis-Chem Life offers tailored protection for everyone, whether you’re healthy or managing a chronic condition, with unique benefits like up to 500% payouts for certain illnesses such as cancer. Our AI-powered application makes getting covered quick, effortless, and affordable. Plus, Dis-Chem’s Better Rewards provides up to 100% off 140+ of SA’s most-loved brands and includes a complimentary annual HealthCheck. Beyond insurance, Dis-Chem partners with you on your health journey, offering expert support through clinics, pharmacists, and wellness professionals. Protect your future with better cover, value, and support today!
Absolutely! Dis-Chem Life has introduced life insurance designed for individuals with chronic conditions. Our policies are built to provide comprehensive coverage while keeping premiums affordable. No matter your health status, we’re here to provide you with peace of mind. Call us back to discuss your personalized options.
Yes! With Dis-Chem Better Rewards, you can get discounts of up to 100% on 140+ of SA’s most-loved brand. These rewards are designed to help you save more while staying healthy. As a Dis-Chem Life policyholder, you’ll also receive a complimentary annual HealthCheck, making it even easier to prioritize your well-being. Speak to one of our experts today to find out how you can unlock these amazing benefits and more!
Better Rewards just got better

Get up to 20% to 100% off

with Better Rewards

Save instantly on top of the promo price, on 140+ of SA’s most-loved brands, every time you shop.
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*The Better Rewards programme is a loyalty programme offered by Dis-Chem. Better Rewards is not an insurance product and a non-insurance benefit and not offered by Guardrisk Life Limited.