I Never Thought I Would Qualify For Cover [See why]

Finally, Affordable Life Cover, Even for People with HIV, Diabetes & High Blood Pressure - Dis-Chem Life
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Affordable Life Cover for Healthy People Living with HIV, Diabetes & High Blood Pressure
For years, people living with HIV or diabetes have struggled with affordable life insurance, finally there is a solution. Read more below.
More South African families are able to protect their love ones and prioritise their health.
Now South Africans who manage their health well can get affordable, comprehensive life insurance for people with a chronic illness like HIV, diabetes, hypertension, asthma, or high cholesterol, with great benefits and support for healthy habits.
See if you qualify for cover
Why This Matters
Life cover is about more than money. It is about protecting your family’s future and helping you stay healthy. If something happens to you, your policy pays a lump sum to help them cover everyday expenses, keep their home, and stay financially secure. It also includes an annual health check at no extra cost.
Get a quote in minutes
What You Get
Up to R10-million in life cover for healthy people.
Premiums designed for your health profile — not a “one price fits all” approach.
No new exclusions for future health changes once you’re accepted.
A quick, fair claims process for your family.
Annual HealthCheck at no extra cost.
We’re with you on your health journey.
Get up to 20% to 100% off
with Better Rewards
Save instantly on top of the promo price,
on 140+ of SA’s most-loved brands, every time you shop.
Get a quote
*The Better Rewards programme is a loyalty programme offered by Dis-Chem. Better Rewards is not an insurance product and a non-insurance benefit and not offered by Guardrisk Life Limited.
There are no hoops and hurdles. I signed up and got rewarded with 60% off. What a breath of fresh air!
James P. Accountant
There are no hoops and hurdles. I signed up and got rewarded with 60% off. What a breath of fresh air!
James P. Accountant
With Better Rewards, I save big at Dis-Chem and got a free health check that inspired me to live healthier. It’s life-changing!
Claire A. Teacher
Better Rewards is so simple! I'm literally saving 35% off every purchase!
Ryan M. Entrepreneur
I used to think reward programs were just gimmicks, but Better Rewards has completely changed my mind. The savings are real!
Rachel P. Nurse
Get a quote in minutes
Why Act Now
The sooner you apply, the lower your premiums will be and your cover starts immediately after your first payment.   It only takes few minutes to get a personalised quote.
Request a free quote
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Full terms and conditions can be read
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What We Cover
Life Cover
Illness Cover
Chronic Life Cover
Funeral Cover
Education Cover
Life Cover
Illness Cover
Chronic Life Cover
Funeral Cover
Education Cover
Better Rewards
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Careers
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Disclaimer
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Terms and conditions apply. Dis-Chem Life is an authorised financial services provider – FSP 50594. Products are underwritten by Guardrisk Life Limited, an authorised financial services provider (FSP No 76) and a licensed life insurer. Life Insurance premiums are risk profile dependent, subject to change and are not guaranteed. Premium comparisons done on a like for like comparisons against most major insurers on 1 January 2025. Testimonials come from actual clients, pictures are not of actual clients to protect their identity & they do not constitute financial advice. Cover amounts are subject to underwriting, and granted on a case by case basis. Funeral and Protector cover increase are guaranteed for 3 months. Thereafter, the increase depends on the health check outcome. The Better Rewards programme is a loyalty programme offered by Dis-Chem. Better Rewards is not an insurance product and a non-insurance benefit and not offered by Guardrisk Life Limited.
©2026 Dis-Chem Life (Pty) Ltd. Terms of use. For the full policy terms and conditions, including key limitations, exclusions, risks and charges, please visit the FAQs section or contact us on 0800 000 123.

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