Principle Member
From R765
Dependant Member
From R765
Child Dependant
From R492
MyHealth Plus
Silver
Principle Member
From R5857
Dependant Member
From R3152
Child Dependant
From R1224
Principle Member
From R549
Dependant Member
From R549
Child Dependant
From R375
MyHealth Core
Silver
Principle Member
From R5857
Dependant Member
From R3152
Child Dependant
From R1224
Principle Member
From R145
Dependant Member
From R169
Child Dependant
From R99
Standard Accident Cover
Silver
Principle Member
From R5857
Dependant Member
From R3152
Child Dependant
From R1224
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. Medical Insurance Plans start with Accident cover from R145 pm for 2026.
Dis-Chem Health: Medical Insurance offers the following health products:
For medical aid members, you can get:
| 🟥 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 |
| 🟪 Information Hub for COVID-19 | ✅ Yes |
| 🟩 Screening and Prevention offered | ✅ Yes |
| 🟦 Maternity Benefit | ✅ Yes |
| 🟪 Monthly Premium Range | R145 – R823 |
| 🟥 Average Waiting Period | 3 – 12 Months |
| 🟧 Late-joiner penalties charged | None. Is Medical Insurance Product |
| 🟨 Is International Medical Cover Offered | None |
| 🔎 Plan Option | 👤 Principal | 👥 Adults | 🍼 Children |
| ❤️ MyHealth Core | R549 | R549 | R375 |
| 🧡 MyHealth Plus | R765 | R765 | R492 |
| 💛 Accident Cover | R145 | R169 | R99 |
| 💚 Accident Cover with Lifestyle benefits | R200 | R169 | R99 |
| 💜 Extended Accident Cover with Lifestyle Benefits | R242 | R202 | R120 |
👉🏾 Free Medical Aid Check List
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.
Poll: 5 Best Medical Insurance for International Travel
To get a free quote, you must:
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
To apply for Gap Cover with Dischem, you can follow the steps below:
👉🏾 Poll 1: 5 Best Gap Cover Options for Under R500
👉🏾 Poll 2: 5 Best Gap Cover Options for Under R2000
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.
Follow these steps if you wish to submit a complaint, query or compliment:
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
If you would like to switch, you can take the following steps:
Once your application has been approved and your new policy has been implemented, you must cancel your previous health insurance policy.
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:
| 🔎 Insurance Plan | 🥇 Dis-Chem Health Insurance (2026) | 🥈 Elixi Medical Insurance | 🥉 Clicks Flexicare Health Insurance |
| 🅰️ Years in Operation | 47 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 | R145 – R823 | 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
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 | ❎ 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 |
💙 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
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.
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.
Benefits include doctor visits, basic dentistry, optometry services, chronic medication and more.
To become a new member, you can visit the Dis-Chem Health website to begin the sign-up process.
👉🏿 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.
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.
Contact the call centre or email [email protected] and supply the following information:
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.
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.
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.
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.
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.
Adriaan holds an MBA and specializes in medical aid research. With his commitment to perfection, he ensures the accuracy of all data presented on medicalaid.com every three months. When he is not conducting research, Adriaan can be found indulging in his passion for trout fishing amidst nature.
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