Smart, simple, convenient life cover.

Get covered in minutes.

Your Life Cover Options.
Personal Life Cover

Affordable, comprehensive, and hassle-free life cover designed to protect your family when it matters most. Get a quick quote, choose flexible options, and be insured in minutes. No paperwork required.

Up to R10 million protection.
Critical Illness Cover

Protect yourself and your family with unlimited independent payouts against cancer, strokes, and heart attacks. With payouts of up to 500%* for severe illnesses and global rare disease coverage, you get powerful benefits when you need them most.

Up to R6 million cover.
Women with pink cancer ribbon.
Blue collar worker on a construction site.
Disability Cover

A lump-sum cash payment to help clear your debts and replace future lost income if disability changes your life. With guaranteed 100% payouts on all valid claims and automatic conversion to Critical Illness Cover, you’re protected no matter what comes next.

Up to R30 million lump-sum payout.
Income Protection

If a disability prevents you from working, your income shouldn’t disappear with it. Replace your monthly earnings right through to retirement with up to R250 000 per month*, so you can focus on recovery while your finances stay on track.

Secure your income. Secure your future.
Education Protection

When you die, your child’s dreams don’t have to die with you. Secure their education from crèche through to Masters, PhDs, and top global institutions like Harvard. With direct school payments and generous allowances for uniforms and books.

Their dreams live on. Even if you don't.

Living with a chronic condition shouldn’t hold you back.

Better Health,
Better Rewards.
Five Health Ratings, Endless Rewards
*Discounts depend on your total qualifying insurance premium
Annual HealthCheck at no extra cost.
We’re with you on your health journey.
Your Better Rewards
discount just got better!

Enjoy 20% to 100% off on SA's most-loved brands

Discounted Better Rewards products in branded bag
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

Enjoy 20% to 100% off on SA's most-loved Better Rewards brands.

3

Increase Your Benefits

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

Why people choose Dis-Chem Life
Frequently asked questions

Here’s how it works. You pay a monthly premium and in return, you receive a regular monthly payout if illness or injury leaves you unable to work. This income can help you cover daily expenses, keep up with debt repayments, and maintain your lifestyle while you focus on recovery. Choose the amount of cover you need, and we tailor your premium based on your age, occupation, and lifestyle. Getting covered takes just minutes online, or you can speak to one of our advisors for guidance.

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.
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!
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.
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.