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Get Life Insurance from Just R99/PM

Protect Your Family, Earn Rewards, Live Better

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Smart, Affordable Life Cover with Built-In Rewards

Financial Protection You Can Count On

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Cover Your Loved Ones for Less

Reliable Life Insurance with Everyday Rewards

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BETTER INSURANCE

Better Cover

Get personalised cover, whether you're healthy or managing a chronic condition.

Get flexible life cover, combined critical illness payouts of up to 500%, premium discounts on chronic conditions and up to 250% cover boosts on your funeral cover amount.

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CLIENT SUPPORT

Better Support

Get expert care anytime with 330+ nationwide clinics, private nurses and doctors, and services like medication delivery -  online, by phone, or in person.

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VALUE FOR MONEY

Better Value

Unlock up to 100% discounts on your monthly purchases with extraRewards.

Plus, an annual HealthCheck, at no cost to yourself!

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Flexible Pricing

Our Products – Tailored Insurance for Your Needs

We at Health and Life, offer a variety of insurance products designed to provide peace of mind, financial security, and coverage tailored to your health needs. Whether you're looking for life cover, critical illness protection, or income security, we have a plan that fits your lifestyle.

Life Cover

Comprehensive protection for your future

From R99 /month
  • Cover up to R20 million
  • Tailored for individuals with chronic conditions like HIV, Diabetes, High Blood Pressure, and Asthma
  • Affordable premiums from R99/month
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Critical Illness Cover

Financial support for when serious illness strikes

From R89 /month
  • Covers life-threatening conditions like cancer, heart disease, stroke, and kidney failure
  • Lump-sum payout to help with medical costs, lifestyle adjustments, and loss of income
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Disability Cover

Protect your income if you’re unable to work

From R79 /month
  • Permanent or temporary disability coverage
  • Protects your income and ensures financial stability
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Income Protection

Security for your monthly income

From R109 /month
  • Up to 75% of your income covered
  • Replacement of income if you can’t work due to illness or injury
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Education Protection

Secure your children’s future, no matter what

From R61 /month
  • Covers tuition fees, school expenses, and university costs
  • Ensure your children’s education remains uninterrupted
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Funeral Cover

Immediate assistance for funeral expenses

From R49 /month
  • Instant payout for funeral expenses
  • No medical exams required, easy application
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Group Life Cover

Affordable coverage for businesses and organizations

  • Customizable group cover for employees or members
  • Protects families with financial security in case of death
  • Tailored to suit company or staff needs
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Customer Testimonials

What Our Customers Say

We pride ourselves on providing affordable, accessible, and reliable life insurance that truly makes a difference in the lives of our clients. Here’s what some of our happy customers have to say about their experience with Health and Life.

"Dis-Chem Life gave me peace of mind even with my chronic condition. Finally, affordable cover for people like me! I'm so grateful for the flexible options and easy application process."

Sipho N.

"As a parent, knowing my children’s education is protected no matter what happens gives me comfort I can’t put a price on. The Education Protection plan is a true lifesaver!"

James T.

"I didn’t think life insurance could actually save me money, but with Dis-Chem extraRewards, I’m spending less on things I buy every day. It’s been such a nice bonus! Highly recommend."

Jessica N.

"Dis-Chem Life gave me better cover that saved me a fortune every month! The service is exceptional, and the benefits are unmatched. It’s great to know I’m covered no matter my health."

Paige Lowery

"When I found out I could skip premiums in December and still be covered, I knew I made the right choice. It’s the little things that make a huge difference during the holidays!"

Zanele P.
Join the Thousands of South Africans Who Trust Health and Life

Our customers’ stories speak volumes. Ready to take the next step in securing your future and enjoying the rewards of better health and affordable coverage?

Frequently Asked Questions (FAQs)

Dis-Chem Life offers tailored protection for everyone, whether you’re healthy or managing a chronic condition, with unique benefits like up to 500% payouts for certain illnesses such as cancer. Our AI-powered application makes getting covered quick, effortless, and affordable. Plus, Dis-Chem’s extraRewards program provides up to 100% back on thousands of everyday essentials and includes a complimentary annual HealthCheck. Beyond insurance, Dis-Chem partners with you on your health journey, offering expert support through clinics, pharmacists, and wellness professionals. Protect your future with better cover, value, and support today!
Absolutely! Dis-Chem Life has introduced life insurance designed for individuals with chronic conditions. Our policies are built to provide comprehensive coverage while keeping premiums affordable. No matter your health status, we’re here to provide you with peace of mind. Call us back to discuss your personalized options.
Yes! With Dis-Chem extraRewards, 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!