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Personal Accident Cover | Dis-Chem Health

Do you need cover at private hospitals for medical emergencies due to accidents or illness?*

Hospital Accident Cover

With Dis-Chem Health Accident Cover, look after your family in the case of an accidental emergency, heart attack or stroke from R206/month for adults and R114/month for children. Included are emergency casualty visits, hospitalisation for accidents in a private hospital, ambulance services and emergency stabilisation. The Extended Accident cover is more comprehensive and gives you greater levels of cover from R237/month for adults.

You can choose to also add the Medical Emergency Illness Buy-Up for an additional R64 per adult and R39 per child.

You can also add Lifestyle Benefits for an additional R55/month. Benefits include: family, legal and financial counselling as well as extra by Dis-Chem rewards programme.

Accident Cover pricing per month

Accident Cover

Principal: R151

Adults: R206

Children: R114

Extended Accident Cover

Principal: R182

Adults: R237

Children: R125

Accident Cover Combination pricing per month

Accident CoverExtended Accident Cover
Accident Cover
+ Lifestyle Benefits at R55
Adults: R206
Children: R114
Adults: R237
Children: R125
Accident Cover
+ Medical Emergency Illness Buy-Up
Principal: R215
Adults: R270
Children: R153
Principal: R246
Adults: R301
Children: R164
Accident Cover
+ Medical Emergency Illness Buy-Up
+ Lifestyle Benefits at R55
Principal: R270
Adults: R270
Children: R153
Principal: R301
Adults: R301
Children: R164
Accident
Cover
Extended Accident Cover
Accident Cover
+ Lifestyle Benefits at R55
Adults
R206 R237
Children
R114 R125
Accident Cover Extended Accident Cover
Accident Cover
+ Medical Emergency Illness Buy-Up
Principal
R215 R246
Adults
R270 R301
Children
R153 R164
Accident Cover Extended Accident Cover
Accident Cover
+ Medical Emergency Illness Buy-Up
+ Lifestyle Benefits at R55
Adults
R270 R301
Children
R153 R164

Your Benefits

 

Ambulance and Stabilisation

Netcare 911 ambulance transportation and stabilisations

Ambulance and Stabilisation

 

  • Netcare 911 ambulance transportation
  • Insured persons will be transported to a network hospital in the event of an accidental emergency, heart attack or stroke
  • Unlimited stabilisations at the scene of the accident by Netcare 911
  • All other medical emergencies due to illness will be transported to a state facility unless the buy-up option has been purchased
  • Limited to road transport

 

*Refer to policy limits

 

Emergency Department Visits

Private emergency casualty care

Emergency Department Visits

 

This benefit covers emergency services provided in a hospital casualty following a medical emergency due to accidental harm, heart attacks or strokes

  • Accident Cover: R20,000 per event per insured party
  • Extended Accident Cover: R30,000 per event per insured party

 

*Refer to policy limits

 

Hospitalisation for Heart Attack and Stroke

R250,000 cover for In-Hospital treatment

Heart Attack and Stroke

Casualty and In-hospital cover in private facilities for heart attacks & strokes

  • Accident Cover Limits:
    • Casualty: R20,000
    • In-Hospital: R250,000 per event and R500,000 max per year
    • Allied Healthcare Professional Services Sub-limit: R20,000
  • Extended Accident Cover Limits:
    • Casualty: R30,000
    • In-Hospital R500,000 per event and max R1m per year
    • Allied Healthcare Professional Services Sub-limit: R35,000

*Refer to policy limits

 

Hospitalisation for Accidents

Private In-Hospital treatment for Accidents

Hospitalisation for Accidents

 

The in-hospital benefit covers in-patient services in the event of a medical emergency due to accidental harm

 

  • Accident Cover: R380,000 per event, and R1,500,000 per insured party per year
  • Extended Accident Cover: this benefit is increased to R1,5m per event, and R2,5m per insured party per year

 

*This is a summary of the Accident Cover benefits. Sub-limits apply to certain benefits

 

*Refer to policy limits

 

Medical Emergency Illness Buy-Up:

Access ambulance, casualty and In-hospital treatment for Illness Emergencies

Medical Emergency Illness Buy-Up:

 

Cover in the case of 13 qualifying Medical Emergencies due to illness if the Buy-Up is purchased:

  • Ambulance transport to a private facility
  • Emergency casualty visits due to illness: treated in casualty wards, up to R30,000 per event per insured person
  • In-Hospital treatment due to Illness: Limited to R380,000 per event & R1.5m per year.
  • Obtain authorisation from Netcare 911

*This Buy-Up option can only be selected as an add-on to Accident Cover

*All treatments need to happen in a network provider facility

 

Death and Disability Cover

R25,000 cover for adults

Death and Disability Cover

 

Accidental death cover:
Payment in the event of accidental death:

  • Children below 6: R20,000
  • All others: R25,000

 

Permanent disability cover:
In the case of total permanent disability because of an accident, a lump sum will be paid:

  • Insured parties up to 17 years: No cover
  • Insured parties 18 years and older: R25,000

 

*Refer to policy limits

 

Lifestyle Benefits

Access to family counselling, legal or financial advice and more

Family, Legal and Financial Counselling

Part of the Lifestyle Benefits at R55 | month 

 

  • Counselling from health professionals – unlimited telephonic, virtual or face-to-face counselling
  • Children and teenager support
  • Life, parent, and career coaching
  • Financial and legal advice
  • Health-on-line – 24hr health advice line

 

*These are non-insurance services
Offered by Kaelo. Learn More

Extra with Dis-chem Health

 

extraRewards

20% off over 2,500 products for policyholders

extraRewards

Part of the Lifestyle Benefits at R55 | month 

 

A rewards programme that gives policyholders access to immediate 20% discount on basket of over 2,500 health, home care, personal care, and baby products from leading brands.

 

Available at Dis-Chem stores and Dis-Chem online.

 

*These are non-insurance services offered by Kaelo.

 

*See more detail

Accident CoverExtended Accident Cover
Accident Cover
Principal: R151
Adults: R206
Children R114
Principal: R182
Adults: R237
Children R125
Emergency Department Visits
R20,000 per eventR30,000 per event
In-Hospital Cover
R380,000 per eventR1,500,000 per event
Ambulance & Stabilisation
Accidental Death & Disability benefit
Children under 6: R20,000
All others: R25,000 per insured
Children under 6: R20,000
All others: R35,000 per insured
Medical Emergency Stabilisations
Medical Emergency Illness Buy-Up - 13 qualifying conditions Adults: R64
Children: R39
Adults: R64
Children: R39
Medical Emergency Casualty Visits & In-Hospital TreatmentR30,000 Per eventR30,000 Per event
Medical Emergency Ambulance Transport to stateR380,000 Per eventR380,000 Per event
Lifestyle Benefits Principal: R55Principal: R55
Counselling from Health Professionals
Children & Teenager Support
Life, Parent, Career & Leadership Coaching
Financial & Legal Advice
Netcare 911 24hr medical advice line 082 911
Road Accident Fund claim assistance
Workman’s Compensation claim assistance
extra by Dis-Chem (20% discount on >2,500 products)
Note that annual limits & sub-limits applyRefer to Policy DocumentRefer to Policy Document
Accident Cover Extended Accident Cover
Principal: R151
Adults: R206
Children R114
Principal: R182
Adults: R237
Children R125
Emergency Department Visits
R20,000 per event R30,000 per event
In-Hospital Cover
R380,000 per event R1,500,000 per event
Ambulance & Stabilisations
Medical Emergency Casualty Visists & In-Hospital Treatment
R30,000 per event R30,000 per event
Medical Emergency Casualty Visits & In-Hospital
Adults: R64
Children: R39
Adults: R64
Children: R39
Medical Emergency Casualty Visits & In-Hospital Treatment
R30,000 per event R30,000 per event
Medical Emergency Ambulance Transport to state
R380,000 Per event R380,000 Per event
Lifestyle Benefits
Counselling from Health Professionals
Children and Teenager Support
Life, Parent, Career & Leadership Coaching
Financial & Legal Advice
Netcare 911 24hr medical advice line 082 911
Road Accident Fund claim assistance
Workman’s Compensation claim assistance
extra by Dis-Chem (20% discount on >2,500 products)
Note that annual limits & sub-limits apply
Refer to Policy Document Refer to Policy Document
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