Dis-Chem Health: Medical Insurance

Dis-Chem Health offers medical insurance rather than medical aid. Its 2026 range is aimed mainly at South Africans who want access to private day-to-day healthcare at a lower monthly cost than many traditional medical scheme options.

For 2026, MyHealth Core starts from R549 per month for a principal member, while MyHealth Plus starts from R765 per month. Dis-Chem Health also offers Accident Cover from R145 per month.

The distinction between medical insurance and medical aid is important. Dis-Chem Health itself states that these policies are not a medical scheme and are not a substitute for medical scheme membership. MyHealth products are insured by Centriq Insurance Company Limited, with Kaelo Risk responsible for administration.

Dis-Chem Health: Medical Insurance offers the following health products:

• ✅Standard Accident Cover
• ✅MyHealth Core
• ✅MyHealth Plus

For medical aid members, you can get Gap Cover:

• ✅ Dis-Chem Health Gap Cover

Dis-Chem Health Plans and Prices for 2026

Medical Insurance Broker Tip: Premiums and benefit availability remain subject to the policy terms, policy schedule and applicable underwriting requirements. Confirm the final premium before taking out cover.

👉🏾 Free Medical Aid Check List

What Is Dis-Chem Health?

Dis-Chem Health provides healthcare insurance products giving policyholders access to defined private healthcare benefits.

MyHealth Core and MyHealth Plus concentrate primarily on everyday healthcare such as GP consultations, medication, basic dentistry, optometry, screening and selected chronic medicine benefits. MyHealth Plus provides broader benefits than Core.

Accident Cover is different. It is designed around accidental medical emergencies and provides defined emergency and hospital benefits following qualifying accidents.

Who Provides the Cover?

The MyHealth policies are insured by Centriq Insurance Company Limited, a licensed non-life insurer and authorised financial services provider (FSP 3417).

Kaelo Risk (Pty) Ltd, an authorised financial services provider (FSP 36931), administers the policies. The healthcare provider network is principally built around the Prime Cure Network.   

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 wit Netcare 911 ambulance transportation to a network hospital in the event of accidental harm.
• ✅ Unlimited stabilisations by Netcare 911 at the scene of an accident.Note: Transportation limited to road transport only. Medical emergencies due to illness will be transported to a state facility.
• ✅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: 

• ✅ Dischem Health Hospital Network
• ✅ Dischem Medical Insurance for Students
• ✅ Dischem Health Contact Details
• ✅ Dischem Health Authorisation Process
• ✅ Dischem Health Cancellation Process
• ✅ Dischem Health Dental Network
• ✅ Dischem Health Maternity Benefits
• ✅ Dischem Health International Travel Insurance
• ✅ Dischem Health Optometrist Network
• ✅ Dischem Health Waiting Period
• ✅ Dischem Health Tax Certificates

MyHealth Core vs MyHealth Plus

Which Dis-Chem Health Plan Is Better?

MyHealth Core offers better value for lower healthcare usage, while MyHealth Plus is generally more suitable for someone who expects frequent GP visits or needs access to its broader chronic medicine benefits.

The R216 monthly difference between the principal-member premiums is particularly relevant when comparing the plans. Someone who rarely sees a GP may not get the same value from Plus as a family that regularly uses primary healthcare services.

👉🏾 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

Dis-Chem Health Medical Insurance vs Medical Aid

Does Dis-Chem Health Cover PMBs?

Do not assume that Dis-Chem Health medical insurance provides Prescribed Minimum Benefits (PMBs) in the same way as a registered South African medical scheme.

PMBs are statutory minimum benefits applicable to registered medical schemes under South African medical scheme legislation.

Dis-Chem Health specifically states:

“This is not a Medical Scheme and the cover is not the same as that of a Medical Scheme.”

This distinction matters particularly for people with serious chronic conditions or those concerned about expensive hospital admissions.

A registered medical scheme may still apply DSPs, formularies, treatment protocols and other scheme rules when providing PMB cover. Consumers comparing Dis-Chem Health with Discovery Health, Bonitas, Bestmed, Momentum Medical Scheme or other registered schemes should therefore compare the type of healthcare funding product, not simply the monthly price.

Our Verdict

Dis-Chem Health is best considered as an affordable private healthcare insurance option rather than a replacement for medical aid.

MyHealth Core provides a practical entry point at R549 per month for a principal member who mainly needs basic day-to-day healthcare. MyHealth Plus, at R765 per month, provides substantially broader GP, medicine and chronic benefits.

The strongest feature is the amount of everyday private healthcare access available at relatively low monthly premiums.

The trade-off is that benefits are defined by the insurance policy, network use matters, limits and authorisation requirements apply, and members do not receive the same statutory protection as members of registered medical schemes.

Before joining, compare the provider network, waiting periods, chronic medicine list and hospital requirements against your actual healthcare needs.

👉🏿 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 will 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.

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