Day-to-Day Cover from

R509 p/m

See a doctor or counselor when you need to. No more worries about affording medication, x-rays, blood tests and more.

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Day-to-Day Cover: from R509 p/m

  • *Unlimited GP visits – see a doctor when you need to without waiting.
  • Up to 100% cover for medication – includes chronic and over-the-counter so you can get the meds you need
  • *Cover for optometrists, dentists and other specialists – no surprise bills to worry about
  • Cover for check-ups, vaccinations, blood tests, scans, x-rays as well as glasses – your heath checks sorted at no cost
  • Virtual consultations with doctors, nurses and counsellors from anywhere.
  • *Plan dependent
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Gap Cover from

R152 p/m

You don’t need stress when you have a big bill and your medical aid won’t cover everything. With cover for up to 600% of medical aid tariffs, you can focus on just getting better.

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Gap Cover from R152 p/m

  • No more shortfalls – additional cover of up to 600%* of the medical aid rate for shortfalls for oncology treatment and healthcare service providers such as surgeons, radiologists, pathologists and physiotherapists
  • No more co-payments and deductibles to worry about – we cover any charges that exceed your medical aid sub-limit for your condition*
  • Hospital Booster – a cash lump sum to use as you need to if you’re hospitalised due to an accident or premature birth
  • Accidental death and disability cover – a lump sum payout for your loved ones in the event of accidental death or permanent disability
  • *Plan dependent
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Accident Cover from

R120 p/m

When the unexpected happens, you need the best care without worrying about the cost. Get cover for accidents in private hospitals, including ambulances and emergency treatment.

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Accident Cover from R120 p/m

  • Get help immediately – a private ambulance from Netcare 911 and stabilisation treatment costs covered
  • Emergency treatment in a private hospital – ER visits are covered at any of our network’s private hospitals all over the country
  • In-hospital costs covered – up to R1.5 million per year, including in-hospital therapies eg physiotherapists, speech therapists etc
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Save up to 20% in every isle at Dis-Chem

With Lifestyle Benefits you get extraRewards, where you can save up to R600 p/m with 20% off everyone’s everyday must-haves online or in-store*

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could go towards covering the cost of your monthly premiums

As a Dis-Chem Health policyholder you get instant automatic access to extraRewards. Which means an extra 20% off everyone’s everyday must-haves online or in-store at Dis-Chem!

So you can save up to R600 every month and those savings could go towards covering the cost of your monthly premiums. Taking care of your family's health, doesn't have to cost a thing. Now that's extra!


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Lifestyle Benefits* for 24/7 peace of mind

Enjoy health, financial and legal advice for when life happens – as well as extraRewards,where savings could go towards covering the cost of your monthly premiums! Family and parental counselling, help with teens, life coaching, and more – from experts and counsellors available 24/7 by phone. Or you can book a virtual consultation between 8 am and 7 pm*

*Included in Day-to-Day Cover, available at a small R55 monthly fee on other plans

Find out how much the cover you need will cost

Become a member in 3 easy steps:

Step 1:

Fill in our online form in under 30 seconds.

Step 2:

We'll give you a same-day call-back

Step 3:

Download our app and activate your policy and you’re ready to go

This is why our customers trust Dis-Chem Health for affordable private healthcare

“I need to share what a wonderful 👍 service I received from this health insurance. I went to the sister at Dis-Chem, she took my Policy number and saw everything was paid. I am so impressed. My goodness the best 🙏💓! My daughter is so happy with the Kaelo Dis-Chem health insurance,  and so am I.”

Eliza M*

*Client names have been changed to protect their privacy. These testimonials do not constitute financial advice.

“I’m very happy with their service. They had no problems paying out. All my medical expenses were paid.”

Zeenat D*

*Client names have been changed to protect their privacy. These testimonials do not constitute financial advice.

“I do my monthly “toddler” shopping at Dis-Chem. My little man has some expensive needs due to severe allergies. This means I spend more than normal on his expenses. This month I saved R90 in combined savings (Extra Rewards and price promo’s) ...on Pampers nappies PER PACK!! In the current, difficult economic times, this was huge and created a bit of much-needed relief financially! So grateful for my Lifestyle Benefits on my Dis-Chem Gap cover.”

Caron S*

*Client names have been changed to protect their privacy. These testimonials do not constitute financial advice.

“I am extremely impressed with your service. Kaelo has come a long way and I hope your Management acknowledges your professionalism and great service attitude and rewards you accordingly. Thank you very much for your efficient help. I appreciate it very much.”

Alexis B*

*Client names have been changed to protect their privacy. These testimonials do not constitute financial advice.

“The best choice to make. We are very happy with Dis-Chem Health. My husband and I each have our own plan! We are members for all most a year now. They paid all doctors’ consultation fees, many blood tests, sonar - and we pay the minimum for meds. At the dentist both of us had tooth ...extractions and X-rays, all paid by Dis-Chem. Go for it!”

Charlene M*

*Client names have been changed to protect their privacy. These testimonials do not constitute financial advice.

Statutory Notice: This is not a Medical Scheme and the cover is not the same as that of a Medical Scheme. This Policy is not a substitute for Medical Scheme membership.

Disclaimers: Dis-Chem Health is not a Medical Scheme or an Insurer.

The administrator for Dis-Chem Health is Kaelo Risk (Pty) Ltd, an authorized Financial Services Provider (FSP 36931).

Insurance products are insured by Centriq Insurance Company Limited, a licensed non-life insurer and an authorized Financial Services Provider (FSP 3417).

Lifestyle Benefits are Kaelo offerings. Service Providers are contracted to Kaelo.

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