Dis-Chem Health: Medical Insurance
Medical Insurance powered by Dis-Chem Health, insured by Centriq Insurance.
Overall, this Medical Insurance is trustworthy and comprehensive. It offers cover for day-to-day medical costs such as consultations with a private doctor (GP), medication, dentistry, eye exams, maternity care, health screenings and more. Plans start from R469pm.
Dis-Chem Health: Medical Insurance offers the following health products:
✅Standard Accident Cover
✅MyHealth Core
✅MyHealth Plus
For medical aid members, you can get:
✅ Dis-Chem Health Gap Cover
| 🟥 Date Established | 1978 (Dis-Chem) |
| 🟧 Headquartered | Midrand, Gauteng |
| 🟨 The average number of members | 5,000+ |
| 🟩 Number of Markets | 1 |
| 🟦 Number of Employees | 18,000+ |
| 🟪 Listed on the JSE | ✅ Yes |
| 🟥 JSE Stock Symbol | DCP |
| 🟧 The most recent Market Cap reported | R22.6 billion |
| 🟨 Average Customer Rating | 3/5 |
| 🟩 Average Number of Reviews | 2,400+ |
| 🟦 Market Share | 15%> |
| 🟪 The number of plans offered | 3 |
| 🟥 Number of Hospitals in Network | 100+ |
| 🟧 Home care provided | ✅ Yes |
| 🟨 Is a Mobile App offered | ✅ Yes |
| 🟩 Dis-Chem Magazine for clients | ✅ Yes |
| 🟦 Medical Claims Portal | ✅ Yes |
| 🟪 Information Hub for COVID-19 | ✅ Yes |
| 🟥 Chronic Illness Benefits | ✅ Yes |
| 🟧 Number of PMB Diagnoses | 271 |
| 🟨 Number of PMB Chronic Conditions | 27 |
| 🟩 Screening and Prevention offered | ✅ Yes |
| 🟦 Maternity Benefit | ✅ Yes |
| 🟪 Monthly Premium Range | R206 – R763 |
| 🟥 Average Waiting Period | 3 – 12 Months |
| 🟧 Late-joiner penalties charged | None |
| 🟨 Is International Medical Cover Offered | None |
Analysis of Main Features
- ✅ Plan Overview
- ✅ Advantages over Competitors
- ✅ How to apply for Medical Insurance
- ✅ How to apply for Gap Cover
- ✅ How to Submit a Claim
- ✅ How to Submit a Compliment or Complaint
- ✅ How to Switch My Health Insurance to Medical Insurance powered by Dis-Chem Health
- ✅ Customer Support
- ✅ Dis-Chem Health vs Notable Competitors – A Comparison
- ✅ Customer Reviews
- ✅ Pros and Cons
- ✅ Our Verdict
- ✅ Frequently Asked Questions
Plan Overview
| 🔎 Plan Option | 👤 Principal | 👥 Adults | 🍼 Children |
| ❤️ MyHealth Core | R469 | R469 | R329 |
| 🧡 MyHealth Plus | R649 | R649 | R439 |
| 💛 Standard Accident Cover | R151 | R206 | R114 |
| 💚 Extended Accident Cover | R182 | R237 | R125 |
| 💙 Medical Emergency Illness Buy-Up | – | R64 | R39 |
| 💜 Lifestyle Benefits | R55 | – | – |
You may also like to read more about Health Insurance for Travel
Advantages over Competitors
The day-to-day benefits include doctor visits, basic dentistry, optometry services, chronic medication and more. Depending on the plan you choose, you also get access to hospitalization for accidental medical emergencies.
- ✅ Get excellent value, with premiums significantly less expensive than standard medical aid schemes.
- ✅ Members have access to the Dis-Chem Pharmacy network, which provides various healthcare services.
- ✅Standard Accident Cover offers emergency medical services such as evacuation, repatriation, and emergency transportation. This ensures that you have access to essential medical services in an emergency.
- ✅Save up to R600 a month with extraRewards. Get 20% off instantly on everyone’s everyday must-haves at Dis-Chem (in-store & online).
Poll: 5 Best Medical Insurance for International Travel
How to apply for Medical Insurance
To get a free quote, you must:
- ✅Visit the Dis-Chem Health website
- ✅ Fill in your personal information, including your name, age, and contact details
- ✅Select whether you are interested in Medical Insurance, Accident or Gap Cover. Choose the plan that best meets your needs.
- ✅ Review the policy’s terms and conditions and ensure that you fully understand the cover and benefits.
After entering all the required information, you can submit your application online. You will then receive a call back from an authorised representative.
READ more about the Dischem Health Application Process
How to apply for Gap Cover
To apply for Gap Cover with Dischem, you can follow the steps below:
- ✅ Visit the Dis-Chem Health website
- ✅ Select the Gap Cover option under “I’m interested in” and fill in your details, such as your name, age, and contact information.
- ✅ Review the policy terms and conditions and ensure you understand the cover and benefits the policy provides.
- ✅ Once you have filled in all the necessary information, you can submit your application online. You will then receive a call back from an authorised representative.
Poll 1: 5 Best Gap Cover Options for Under R500
Poll 2: 5 Best Gap Cover Options for Under R2000
How to Submit a Claim
There is no claims process if you use the network providers at your disposal. Claims are paid on your behalf to the provider through your Policy.
In most cases, you will need to present your membership card and ID to the contracted Network Provider. They will then submit the claim for processing and payment.
How to Submit a Compliment or Complaint
Follow these steps if you wish to submit a complaint, query or compliment:
- ✅ Visit the contact page on the Dis-Chem Health website.
- ✅ Fill in the form with key information such as your contact details and the nature of your query.
- ✅ The Dis-Chem Health team will investigate, evaluate and assess the compliant to decide if it can be resolved.
- ✅ You will get a reply in writing within 24 hours.
Alternatively, you can contact the customer service team via phone or email. They can assist you in submitting your compliment or complaint and answer any questions.
Read more about the Dischem Health Complaint Procedure
How to Switch My Health Insurance to Medical Insurance powered by Dis-Chem Health
If you would like to switch, you can take the following steps:
- ✅ Visit the Dis-Chem Health website to learn more about the plans.
- ✅ Fill in your details and get a quote for a plan that meets your needs.
- ✅ Review the policy’s terms and conditions and ensure that you fully understand the cover and benefits.
- ✅ Once you have filled in all the necessary information, you can submit your application online. You will then receive a call back from an authorised representative.
Once your application has been approved and your new policy has been implemented, you must cancel your previous health insurance policy.
Customer Support
Customer service is provided through various channels to ensure that you receive the necessary assistance. These are some of the ways customers can contact customer service:
- ✅ Contact the call center to speak with a customer service representative. The call center is open from 8:00am to 5:00pm, Monday through Friday.
- ✅ Email: Customers can contact Dis-Chem Health for general questions and regarding claims via [email protected].
Extra valuable information on Dischem Health:
Dis-Chem Health vs Notable Competitors – A Comparison
| 🔎 Insurance Plan | 🥇 Dis-Chem Health Insurance | 🥈 Elixi Medical Insurance | 🥉 Clicks Flexicare Health Insurance |
| 🅰️ Years in Operation | 45 years | 6 years | 55 years |
| 🅱️ Average # Members | 1,000+ | 1,000+ | 1,000+ |
| 📈 GCR Rating | None | None | None |
| 📉 Number of Employees | 18,000+ | 150+ | 5,000+ |
| 📊 Market Share | 20%> | <5% | 20%> |
| ➡️ Market Cover | South Africa | South Africa | South Africa |
| 💯 Customer Rating | 4.4 | 3.2 | 4.2 |
| 📌 Number of reviews | 4,000+ | 200+ | 10+ |
| 📱 Mobile App | Yes | Yes | Yes |
| 💴 Contribution Range | R206 – R763 | R427 – R902 | R350 – R731 |
| 🌎 International Travel Benefit | n/a | n/a | n/a |
| 🪙 Market Capitalisation | R22.34 billion | n/a | R64.3 billion |
| 🧾 Insurer | Centriq Insurance FSP 3417 | Cubix Solutions FSP 42788 | DCDS FSP 46336 |
Women might consider making use of our free Ovulation Calculator
Customer Reviews
Excellent Value for Money.
This medical insurance offers excellent value for money, providing cover for one’s most critical healthcare requirements at an affordable rate. – Pierre Bosman
Great Benefits.
In times of illness, the benefits provided by Dis-Chem Health: Medical Insurance have been invaluable in securing the necessary medical assistance and care. – Nosipho Dube
Exceptional Customer Service.
I am grateful for the exceptional customer service. The prompt resolution of my issue and the timely updates provided throughout the process are deeply appreciated. In addition, I highly recommend the Medical Insurance Plus Plan, which offers a valuable add-on feature to those seeking medical insurance. – Megan Brand
Pros and Cons
| ✅ Pros | ❎ Cons |
| Affordable premiums | Limited cover for pre-existing conditions |
| Comprehensive cover options | Waiting periods may apply to certain benefits |
| Excellent customer support | Only available to residents of South Africa |
Our Verdict
If you are looking for more protection for you and your family plus rewards that could cover the cost of your premiums – Then this plan will be perfect for you.
You can rest easy, knowing that you have easy access to thousands of healthcare providers and hundreds of private hospitals – and that your everyday medical needs are taken care of.
Statutory Notice:
Dis-Chem Health is not a Medical Scheme and the cover is not the same as that of a Medical Scheme. The Policy is not a substitute for a Medical Aid Scheme.
Disclaimers:
Dis-Chem Health is not a Medical Scheme or an Insurer.
The administrator for Dis-Chem Health is Kaelo Risk (Pty) Ltd, an authorised financial services provider (FSP 36931).
Insurance products are insured by Centriq Insurance Company Limited, a licensed non-life insurer and authorised financial services provider (FSP 3417).
Lifestyle Benefits are Kaelo offerings. Service Providers are contracted to Kaelo.
You might also like: Dis-Chem Health Accident Cover
You might also like: Dis-Chem Health MyHealth Core
You might also like: Dis-Chem Health MyHealth Plus
Frequently Asked Questions
Can anyone join Dis-Chem Health?
If you are living in South Africa and meet the employment or financial requirements, you can join. You will need to provide a valid ID or Passport and proof of banking details.
Is Dis-Chem a Medical Aid ?
Dis-Chem Health is not a Medical Scheme and the cover is not the same as that of a Medical Scheme. The Policy is not a substitute for a Medical Aid Scheme.
What benefits are included in Dis-Chem Health: Medical Insurance?
Benefits include doctor visits, basic dentistry, optometry services, chronic medication and more.
How do I become a member of Dis-Chem Health: Medical Insurance?
To become a new member, you can visit the Dis-Chem Health website to begin the sign-up process.
What is the difference between Medical Insurance and Medical Scheme (Aid) cover?
Medical aids are governed by the Medical Schemes Act. This means that medical schemes must cover the costs related to a diagnosis and treatment of emergency medical conditions and Prescribed Minimum Benefits, which includes a limited set of 271 medical conditions and 27 chronic conditions. Medical schemes will usually cover both planned and emergency treatment in hospital.
Some medical aid plans only cover in-hospital care whereas more comprehensive medical aid plans will cover the cost of day-to-day medical costs and care in hospital.
Health insurance products are exempted under the Medical Schemes Act to be provided by insurers. Health Insurance does not have to include cover for Prescribed Minimum Benefits, but the Dis-Chem Health Primary Healthcare options do cover chronic medicine for a defined list of chronic conditions as well as day-to-day medical expenses, depending on your chosen plan.
Medical aids typically start at a much higher price than that of medical insurance because of the unlimited cover they have to provide for Prescribed Minimum Benefit conditions and hospital care.
Medical insurance products are usually cheaper than medical aid plans because of the specific cover that they provide. The Dis-Chem Health Primary Healthcare options provide cover for day-to-day expenses, like doctor visits, dentist visits and medicine, but various limits apply in accordance with your chosen plan.
What is the cost of Dis-Chem Health Insurance?
The cost varies depending on the plan you choose and your specific healthcare needs. You can get a quote on the Dis-Chem Health website.
What happens if I need to see a specialist?
Contact the call centre or email [email protected] and supply the following information:
- Name and surname of the Insured Party requiring the Authorisation.
- Your Policy number.
- The name and Practice number of the referring Doctor (GP) if applicable.
- Name and practice number of the Specialist.
- Banking details of the Specialist.
ICD-10 code or diagnosis from the Specialist if not supplied by a referring Doctor.
The Authorisation is valid for one month. Most Specialists are not contracted and you will be required to pay upfront and then claim back from Prime Cure. Any account in excess of the Agreed Rate will be the responsibility of the Policyholder.
Are pre-existing conditions covered?
Pre-existing conditions are covered, but there may be waiting periods before these conditions are covered. The waiting periods vary depending on your specific plan.
Can I add family members to my plan?
Yes, you can add family members to your plan, but additional costs may be involved. The cost of adding family members will depend on the specific plan you choose.
Can I add family members to my Dis-Chem Health: Medical Insurance plan?
Yes, you can add family members to your Dis-Chem Health: Medical Insurance plan, but additional costs may be involved. The cost of adding family members will depend on the specific plan you choose.
Do I need to claim for Medical Insurance?
You shouldn’t need to claim for Medical Insurance. Provided you are using Network Providers, claims are paid on your behalf to the provider through your Policy.
