Dis-Chem Life - Affordable Life & Funeral Cover for Healthy Living

Cover that makes life better every day.

Because better health, deserves better protection. Test

Get life cover in minutes

Underwritten by Guardrisk Life Limited

Up to R10 million
life cover*

Valid claims
paid in 4-48hrs

Up to R125 000
funeral cover*

Switch To Rewarding Cover Today

Better Cover

Affordable life insurance that rewards you for being healthy. With flexible cover, enhanced critical illness payouts, and an inclusive annual health check, you’re covered from every angle.

Get assessed as healthy and your funeral cover could more than double at no extra cost, because at Dis-Chem Life, your health always comes first.

Get a quote in minutes!

Better Support

Your personalised life insurance starts with the right support. Whether online or with a dedicated advisor, we ensure your cover is tailored to your needs. From choosing the right plan to claiming when it counts, you’re never on your own.

Get personalised advice today!

Better Value

Get rewarded just for being a Dis-Chem Life policyholder. With Better Rewards*, enjoy up to 100% off on 140+ of SA’s most-loved brands every time you shop. The healthier you are the more you save.

Being healthy pays off.

Dis-Chem Life offers more ways to protect those who matter most.

Please select a product below for a no obligation online quotation:

Life Cover

Life insurance gives your family the financial security to carry on, even when you can’t be there for them.

From

R99 pm*

Funeral Cover

Cover up to 21 family members on one funeral plan, with valid claims paid in as little as 4 hours.

From

R49 pm*

Critical Illness Cover

A lump sum payout to ease the burden if you’re diagnosed with cancer, a heart attack, or a stroke.

From

R99 pm*

Disability Cover

A cash lump sum to keep your family financially stable if an illness or injury changes your ability to work.

From

R79 pm*

Income Protection

Your monthly income, replaced so your household keeps running if you’re unable to work.

From

R109 pm*

Grocery Protector

Up to R75 000 to keep your family fed, fridge full and groceries covered, no matter what.

From

R51 pm*

Education Protector

Help your children stay in school and reach graduation so their future stays on track, whatever happens.

From

R61 pm*

Life Cover

Protect your loved ones financially when you’re no longer around.

From

R99 pm

Critical Illness Cover

Get a payout if you’re diagnosed  with a serious illness like cancer,  heart attack, or stroke.

From

R99 pm

Disability Cover

Get a single lump sum cash payout to help settle debts and cover future income.

From

R79 pm

Income Protection

Replaces your monthly income until retirement if you become disabled and unable to work.

From

R109 pm

Funeral Cover

Protect you and 20 family members. Valid claims paid from 4 – 48 hours.

From

R49 pm

Grocery Protector

Secure your family’s food and  groceries needs.

From

R51 pm

Education Protector

Protect your loved ones financially when you’re no longer around.

From

R61 pm

Earn Bigger Rewards

Get 20-100% off

with Better Rewards*

Save instantly on top of the promo price, on 140+ of SA’s most-loved brands, every time you shop.

*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.

Dis-Chem Life gave me better cover that saved me a fortune every month!

Dis-Chem Life gave me peace of mind even with my chronic condition. Finally, affordable cover for people like me!

I never thought I’d qualify for life insurance with my health issues, but Dis-Chem Life made it possible. Truly life-changing!

As a parent, knowing my children’s education is protected no matter what happens gives me comfort I can’t put a price on.

I didn’t think life insurance could actually save me money, but with Dis-Chem Better Rewards, I’m spending less on things I buy every day. It’s been such a nice bonus!

Frequently asked questions

How does life cover work?

Life insurance is simple. You pay a monthly premium and in return, your loved ones receive a cash lump sum if you pass away. This payout can help them cover daily expenses, settle debts, or maintain their lifestyle during an incredibly difficult time.

Choose the amount of cover you need, and we tailor your premium based on your age, health, and lifestyle. Getting covered takes just minutes online, or you can speak to one of our advisors for guidance.

Why should I choose Dis-Chem Life?

Dis-Chem Life offers affordable life insurance that rewards you for looking after your health. Our cover is flexible, our application takes just minutes, and valid claims are paid in as little as 4-48 hours. We also cater to individuals with chronic conditions, so no one gets left behind.

Plus, as a policyholder, you also unlock Dis-Chem’s Better Rewards* with savings of 20-100% off on 140+ of South Africa’s favourite brands, on top of existing promotions, as well as a complimentary annual health check.

How much life insurance do I need?

A good starting point is to think about what your family would need without your income. Consider monthly household costs, outstanding debts, school fees, and any future expenses you would want covered.

Many financial advisors suggest life cover worth 10 to 15 times your annual income, but the right amount depends on your family’s unique situation.

Our quote process helps you find a level of cover that fits both your needs and your budget, and you can adjust it as your life changes. Speak to a consultant today!

Can I get life insurance if I have a chronic condition?

Absolutely. Dis-Chem Life was built with the understanding that health is not one-size-fits-all. We offer life cover designed specifically for individuals managing their chronic condition well, with comprehensive coverage at affordable premiums.

We are here to give you and your family peace of mind. Get in touch with one of our advisors to discuss your options.

Can I really get up to 100% off with Dis-Chem Better Rewards?

Yes! With Dis-Chem Better Rewards, you can get discounts of up to 100% on thousands of everyday essentials when you shop at Dis-Chem. 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!

Speak to an
in-store advisor

Sometimes it helps to talk it through face to face. Our in-store advisors can answer your questions, compare your options, and help you choose with confidence. Visit any of our 330+ and ask for an in-store advisor or make an enquiry at the customer care desk.