Better Rewards Terms And Conditions
Dis-Chem Better Rewards
1. General Better Rewards Programme T&Cs
- The Dis-Chem Loyalty Programme, known as "Better Rewards" ("Better Rewards Programme") is operated by Dis-Chem Pharmacies Limited (“Dis-Chem”, “we”, “us” or “our”). The physical or virtual Better Rewards Programme card (“Better Rewards Card”) issued by us remains our property at all times. We may decline, issue and withdraw any Better Rewards Card or any benefit, reward, discount or Partner reward accumulated at any time under a Better Rewards Card. We may change the conditions of operation of the Better Rewards Card at any time.
- These Better Rewards Programme Terms and Conditions (“T&Cs”) shall apply where you are a Dis-Chem customer and/or a Better Rewards Programme member (“customer”, “you” or “your”).
- Any person who does not agree to be bound by these Better Rewards Programme Terms and Conditions may not participate in the Better Rewards Programme.
- Any person or existing Dis-Chem Benefit Rewards or extra Rewards loyalty programme (“Previous Programme”) members who do not agree to be bound by these T&Cs, including any amendments made to these T&Cs from time to time, must notify us in writing, through our Customer Service Careline (“Careline”) at [email protected] or, if applicable, should elect to opt-out when notified of the transfer to the Better Rewards Programme.
- In such event, the member’s participation in the Better Rewards Programme may be terminated, and/or their membership cancelled.
2. Privacy Policy
Member data and personal information is protected in terms of the relevant legislation. For more information on how we process member data and personal information, see our Better Rewards Programme Privacy Notice.
3. Termination and Expiration of Previous Programme Rewards
All unredeemed rewards and/or monetary value accumulated before 21 October 2025 under the Previous Programme will be cancelled by 20 April 2026.
4. Eligibility and Enrolment
- You must be 16 years old or older to become a member of the Better Rewards Programme and have a valid identity document or passport.
- To join the Better Rewards Programme, you can sign up:
- Online on our website;
- By downloading the Dis-Chem Mobile App and selecting the Better Rewards Programme tile, link, option or other feature to activate your Better Rewards Programme membership;
- In-store at any Dis-Chem or Baby City stores; or
- By dialling *120*1085# (South Africa only).
- Once you are signed up, you will receive a Better Rewards Card to use in-store or for online purchases via digital platforms, channels or services (including e-commerce websites, mobile applications, microapps, social media, USSD services, self-service kiosks, email communications or call centres), as made available from time to time (“Digital Channels”).
- The Better Rewards Card is not transferable and all benefits and rewards earned under the Better Rewards Programme will accrue to the member to whom the Better Rewards Card is issued.
- When signing up to the Better Rewards Programme, you will be requested to provide your personal information, including your legal name, contact details and marital status.
- By signing up for the Better Rewards Programme, you are automatically opted in to receive communication from us related to your account and important Better Rewards Programme information. Transactional communication will be sent irrespective of your marketing communication preferences.
5. Customer Discounts and Boosts
Qualifying Products
- The selection of products under the Better Rewards brands that are eligible for discounts under the Better Rewards Programme (“Qualifying Products”) is subject to change at our sole discretion.
- For an up-to-date list of Qualifying Products (including any excluded products) please refer to our website here.
Non-cover Customers - Base Discount
- Once you have successfully registered as a member of the Better Rewards Programme, you will save 10% (“Base Discount”) instantly every time you purchase Qualifying Products from us, whether in-store or online.
- To receive the Base Discount, you are required to present your Better Rewards Card at the point of sale (“POS”) during in-store transactions or be logged into your account linked to your Better Rewards Card for online purchases.
Cover Customers - Discount
- If you:
- Have successfully registered as a member of the Better Rewards Programme; and
- Are a qualifying policyholder with at least one of the following active insurance products:
- Dis-Chem Life Insurance: Life Cover, Critical Illness Cover, Disability Cover, Income Protection Cover, Protector Products or Funeral Cover;
- Dis-Chem Health Medical Insurance: Day to Day Cover;
- Dis-Chem Health Medical Insurance: Accident Cover or Gap Cover; and/or
- Kaelo Medical Insurance, Kaelo Gap Cover, Kaelo Accident Cover, or Western Gap Cover;
- And have opted into the lifestyle benefits under the relevant policies, if required (collectively a “Qualifying Policyholder”); and
- Have paid the relevant discount activation fee,
- For further information on how the Cover Discount works, including further details on qualifying policies, discount activation fees and activation steps, please refer to the Cover Discount Rules available here.
- To receive the Cover Discount, you are required to present your Better Rewards Card at the POS during in-store transactions or be logged into your account linked to your Better Rewards Card for online purchases.
- The applicable Cover Discount percentage is determined by your monthly premium contribution and individual health rating as determined by Dis-Chem Life or Dis-Chem Health from time to time, in accordance with the Cover Discount Rules.
Pharmacy Boost
- You can get a further 5% off purchases of Qualifying Products if you have a valid Better Rewards Card and:
- Hand in your prescription at the dispensary; and/or
- Collect your medication at the over-the-counter section (“OTC”); and/or
- Order your medication online or via our Cash on Delivery (“COD”) service (“Pharmacy Boost”).
- Activation:
- Present your Better Rewards Card at the dispensary or OTC section when purchasing your medication; or
- For COD orders, provide your Better Rewards Card number to the in-store representative when placing your COD order; or
- For online purchases, be logged into your account linked to your Better Rewards Card.
- The Pharmacy Boost will be activated for 30 days from the date of collection and applies only to Qualifying Products available in the front-shop.
- The Pharmacy Boost does not apply to medication purchases from the dispensary, OTC section, COD order, or via Digital Channels.
- If your purchase is not finalized at POS or medical aid payment confirmation is not received on the same day of Activation, the Pharmacy Boost will be automatically withdrawn. The Activation process must then be repeated successfully.
- The Pharmacy Boost will not apply to transactions after the 30-day Activation period expires.
Collecting Medicines
- For Yourself: When you fill a prescription for yourself and provide your Better Rewards Card at the dispensary or OTC section (or for COD orders), the Pharmacy Boost will be automatically activated.
- For Dependents:
- Spouse or Adult Dependent (>18 years): If you fill a prescription for an adult dependent who is a Better Rewards member, the Pharmacy Boost applies to their profile. Present their ID and Better Rewards Card (or card number for COD). If they are not enrolled, the Boost does not apply.
- Minor Dependents (<18 years): When filling for a minor, the Boost applies to the member’s profile. Present your Better Rewards Card at the dispensary or OTC (or provide number for COD). For medical aid prescriptions, only the main member qualifies for the Boost.
- The above requirements apply to both in-store and online prescription fulfilment, and relevant identification and verification steps are required.
Note: The Pharmacy Boost is only available to customers in South Africa.
| Summary of Pharmacy Boost Application | |
|---|---|
| Scenario | Pharmacy Boost Applied To which Better Rewards Programme Member |
| Fill your own prescription | Customer (self) |
| Fill spouse’s prescription (spouse is a member of the Better Rewards Programme) | Spouse |
| Fill spouse’s prescription (spouse is not a member of the Better Rewards Programme) | No Pharmacy Boost Applied |
| Fill minor dependent’s prescription (<18 years old) | Main Member (parent/guardian on the same Better Rewards Programme membership profile) |
| Fill adult dependent’s prescription (>18, active Better Rewards Programme member) | Dependent |
| Redeem adult dependent’s script (>18, not a member of the Better Rewards Programme) | No Pharmacy Boost Applied |
Online Purchases
- As online purchases are currently only available in South Africa, all of the discounts set out above and/or which we may offer from time to time, will only apply for online purchases by customers and employees in South Africa. In order for discounts or boost benefits to be applied to any online purchases, you must be logged into your account linked to your Better Rewards Card (i.e. you will not receive the discounts or boost
6. Better Rewards Partners
- We may, from time to time, enter into an arrangement with third party partners (“Better Rewards Partners”) to provide you additional discounts, benefits, rewards or offers as part of this Better Rewards Programme (“Better Rewards Partners Benefits”).
- The specific rules relating to such Better Rewards Partner Benefits jointly offered with our Better Rewards Partners must be read together with these T&Cs and are subject to change from time to time.
- Each Better Rewards Partner may also have their own specific terms and conditions, which will be in addition to our T&Cs and will apply to the application, accumulation and exercise of such additional Better Rewards Partner Benefits.
- A list of our Better Rewards Partners and the relevant Better Rewards Partner Benefits are provided here.
- We may terminate any arrangement with our Better Rewards Partners and/or amend the structure, benefits, or operation of the Better Rewards Partner Benefits from time to time, in our sole discretion.
Capitec Boost
The Better Rewards Partner Benefits for this Better Rewards Partner will commence on 21 October 2025.
Please refer to the applicable Capitec Rewards Terms for further information on Capitec related Better Rewards Partner Benefits available here.
7. Restrictions on the Applicable Discounts
Maximum Discount Cap
- The total combined discounts you may receive through the Base Discount, Cover Discount, boost benefits (including but not limited to Pharmacy Boost or any other boost benefits from the Better Rewards Partners, e.g. Capitec Boost), and any applicable promotions is capped at a maximum of 100% of the retail selling price of Qualifying Products.
- No discount combination may exceed 100% of a Qualifying Product’s retail selling price, and under no circumstances will any surplus value be credited, carried over, or refunded to any customer or employee.
Monthly Combined Savings
- Each month you can receive combined discounts in-store and/or online, as applicable up to a specified maximum amount. These monthly discount limits are reset on the first day of each month.
- The maximum monthly discounts are in addition to any promotions, offers and/or product related discounts applicable to the Qualifying Products.
- The maximum monthly amount is determined as follows:
- You can receive combined discounts (a Base Discount, Pharmacy Boost and any other boosts) of up to a total of R750 in savings per month. This is the maximum discount amount allowed per customer, per month.
- The maximum combined discount you are entitled to per month as a Qualifying Policyholder, is the total value of your premium/s payable for your individual retail policies with Dis-Chem Life and/or Dis-Chem Health up to a maximum of R3 000 per month. This means your total savings will never be less than R750 a month, in respect of the usual combined discounts of Cover Discount, Pharmacy Boost and Priority Customer.
See below a visual representation of the applicable limits on the discounts and boosts under the Better Rewards Programme.
| Customer limits | |
|---|---|
| Base discount + Pharmacy boost + Capitec boost |
Up to a maximum total monthly saving of R850 |
| Pharmacy boost validity | Each pharmacy boost expires within 30 days of each pharmacy/OTC visit |
| Cover discount + Pharmacy boost + Capitec boost |
Up to a maximum total monthly saving of R3000 NOTE: The Cover discount is based on total monthly premiums paid for individual retail policies with Dis-Chem Life and/or Dis-Chem Health and health rating. |
8. Fraud or Abuse
- You agree that the intended use of the Better Rewards Programme is for the use of the benefits, rewards and offers in a customer’s personal capacity.
- Should any abuse or fraud be committed by any person in relation to the Better Rewards Card and/or in respect of the qualification for and/or accumulation, allocation and/or use of the rewards, boosts or discounts offered under the Better Rewards Programme, we will take appropriate disciplinary or legal action against the responsible person and all rewards accrued and unredeemed, as well as rewards issued, may be forfeited and any entitlements under the Better Rewards Programme may be revoked and the Better Rewards Card may be deactivated and/or cancelled, at our sole discretion.
- We have the right to determine, at our sole discretion, what we consider as “abuse” of the Better Rewards Programme. Abuse of the Better Rewards Programme may include but is not limited to:
- Purchases of excessive amounts of specific Qualifying Products which are perceived to be for resale and not for personal use by the customer;
- Purchases made for and on behalf of a third party who is not a member (or member’s dependent) of the Better Rewards Programme; and
- Excessive and unsubstantiated returns/exchanges/refunds of Qualifying Products.
- For any customer or Better Rewards Programme member profiles created online via our Digital Channels, we ask that you keep your password secure. If you become aware that your password has been compromised or breached, please report it to Careline at [email protected], via WhatsApp on 0860 347 243, via our mobile app, or at the Customer Service Desk in-store and/or immediately take steps to change your password via the "My Account" tab on our website or our mobile app and click on “change password”.
- We will not be liable for any damages suffered or losses incurred from the use or misuse of your password on any of our Digital Channels including our website and/or mobile app.
- You will be required to enter your user ID and password each time you visit our Digital Channels including our website and/or mobile app.
- To change any of your details relating to your customer or Better Rewards Programme profile, please click on "My Account" and edit your details. All information provided to us when registering shall be strictly protected in accordance with applicable laws.
9. Lost, Damaged or Stolen Cards
- Any lost, stolen, compromised or damaged Better Rewards Cards must be reported to the Careline and can be replaced via WhatsApp on 0860 347 243, via our App or at the Customer Service Desk in-store upon presentation of positive identification.
- If a discount allocated to a Better Rewards Card has been fully redeemed before the Better Rewards Card is reported as lost or stolen, there will be no recovery of the applicable discount or rewards value. We will not be held liable for any loss or monetary value thereof.
10. Fund Allocation
- Any funds benefits, rewards and discounts allocated to a Better Rewards Card may only be used and/or redeemed in the country of allocation and in the applicable currency of such country of allocation. For example, South African Rands can only be used in South Africa, Botswana Pulas can only be used in Botswana and Namibian Dollars can only be used in Namibia.
- Funds or discount value allocated to the Better Rewards Card cannot be transferred outside of the country of issue.
- Any benefits, rewards and discounts earned in a country may only be redeemed in such country.
- All benefits, rewards and discounts earned through online transactions, our website and/or our mobile app operated by us will be considered to have been earned in South Africa.
- You acknowledge that discounts may vary between South Africa, Botswana and Namibia.
Other than discounts or boosts available under the Better Rewards Programme, any request for donations and transfers of benefits or rewards (including the Previous Programme, if applicable) must be requested by sending an email to the Customer Service Careline at [email protected] or via the Dis-Chem App.
11. Returns Policy
- If you purchase Qualifying Products or other goods utilising any of the applicable discounts or benefits under the Better Rewards Programme and later return such Qualifying Products or goods, any refund issued will be processed excluding the value of the discount amount, in line with our standard returns policy.
- This means you will be refunded the net value after all applicable discounts (including promotional offers) have been applied to the applicable refund transaction.
- Additionally, the relevant discount value shall be added back to your maximum monthly limit for savings, for the month in which the return takes place, regardless of whether the return occurs in the same month of purchase or in succeeding months.
- Dis-Chem’s existing returns policy will also apply. To view the Dis-Chem refunds policy, please visit https://www.dischem.co.za/returns-refunds.
12. Agreement of Terms
- You must read these T&Cs in their entirety as they form a binding legal agreement between you and Dis-Chem, governing your participation in and use of the Better Rewards Programme.
- By registering for, activating, or using the Better Rewards Programme, you acknowledge that you have read, understood, and agree to be bound by these T&Cs. If you do not agree to or cannot comply with these T&Cs in their entirety, you must not participate in the Better Rewards Programme.
- Dis-Chem may deny, suspend, or terminate your participation in the Better Rewards Programme at any time, with or without prior notice, if you fail to comply with the T&Cs or for any other reason we deem appropriate.
- Dis-Chem may, from time to time, amend, update, or replace these T&Cs, including the structure, benefits, or operation of the Better Rewards Programme. We are under no obligation to provide prior notice of such changes, except where material revisions are made. Any changes will take effect when published on our website or other official communication channels we may use from time to time.
- Any amendments to the T&Cs will not affect any rewards or benefits earned and issued to the Better Rewards Programme member before the date of such amendment.
- It is your responsibility to review these T&Cs periodically. Your continued participation in or use of the Better Rewards Programme following any amendments will be deemed acceptance of the revised T&Cs. If you do not agree to the revised T&Cs, you must immediately discontinue your participation in the Better Rewards Programme.
Better Rewards Capitec Boost
Capitec and Dis-Chem Partnership Rules
These rules relating to the Capitec Bank Limited (“Capitec”) and Dis-Chem Partnership (“Rules”) are read together with the Better Rewards Programme terms and conditions, as amended from time to time (“T&Cs”). All capitalised terms used in these Rules shall have the meaning of those terms in the T&Cs, unless otherwise defined in these Rules.
If you are a Capitec client and hold a bank account with Capitec, you are eligible to receive an additional 5% off when you purchase Qualifying Products from us, whether in-store or online (“Capitec Boost”).
The Capitec Boost is in addition to the Base Discount, Pharmacy Boost, Priority Customer Boost, Employee Discount, and any other qualifying discounts under the Better Rewards Programme.
The Capitec Boost is subject to the maximum discount cap and the monthly combined savings as set out in the T&Cs.
To qualify for the Capitec Boost, you must:
- Activate the Better Rewards Programme on the Capitec Mobile App or Capitec online banking platform;
- Shop Qualifying Products;
- Present your Better Rewards Card at the POS during in-store transactions or be logged into your account linked to your Better Rewards Card for online purchases via our Digital Channels;
- Settle the payment transaction for any purchase of Qualifying Products, in full, using a Capitec bank card; and
- Swipe or tap your Capitec bank card or use Capitec Pay or any other Capitec payment method at the POS for in-store transactions (including Masterpass, Apple Pay, Google Pay, Samsung Pay, and Huawei Pay).
Any split payments (i.e. payment transactions made using multiple payment methods including a Capitec bank card) will only qualify for the Capitec Boost if all methods of payment are linked to a Capitec bank card.
The Capitec Boost and any further benefit, reward, discount, and/or offer made available by Capitec is subject to verification by both Capitec and Dis-Chem and may be amended or withdrawn at the discretion of Dis-Chem and Capitec without prior notice, in accordance with the T&Cs.
Better Rewards Cover Discount
1. Introduction
1.1 Better Rewards Programme: Cover Discount
The Better Rewards Programme gives Qualifying Policyholders discounts of up to between 20% and 100% every month on the purchase of Qualifying Products in-store and online via our Digital Channels (“Cover Discount”).
These rules provide information on the Better Rewards Programme’s Health Ratings and discounts (“Cover Discount Rules”).
These Cover Discount Rules shall be read together with the Better Rewards Programme terms and conditions, as amended from time to time (“T&Cs”) to regulate the Cover Discount Benefit. All capitalised terms used in these Cover Discount Rules shall have the meaning of those terms in the T&Cs, unless otherwise defined in these Cover Discount Rules.
1.2 Definition of Terms
- ‘Cover Discount Benefit’:
- The benefit enabled under the Better Rewards Programme, which entitles the Qualifying Policyholder to receive the Cover Discount on the purchase of Qualifying Products in-store and online via our Digital Channels.
- ‘Cover Discount Benefit Fee’:
- The monthly amount payable by Qualifying Insurance Policyholders to unlock the Cover Discount in respect of any one of its Qualifying Insurance Products.
- ‘Cover Discount Matrix’:
- Means the table used to determine the discount percentage on Qualifying Products that will apply to a Qualifying Policyholder with one or more of the Qualifying Insurance Products. The Cover Discount Matrix is based on Your Qualifying Insurance Premium and Your Health Rating. See section 3.1 for more detail.
- ‘Fee Payer’:
- Means the person or entity from whose bank account the Cover Discount Fee is deducted.
- ‘Funeral Cover’:
- Means a funeral policy offered by Dis-Chem Life, being a Dis-Chem Life Insurance product. ‘Funeral Product’ shall have a corresponding meaning.
- ‘Group’:
- Means policies purchased by an organization on behalf of their employees.
- ‘Health Rating’:
- Means a score assigned to a Qualifying Policyholder based on their Qualifying Insurance Products and is calculated using the outcomes of three key health assessment categories: (i) HealthChecks, (ii) Dis-Chem Script Score, and (iii) Health Tests for Qualifying Conditions. The Health Rating is used to determine the Cover Discount that applies to the Qualifying Policyholder.
- ‘Lifestyle Benefit’:
- The value-added services provided by Dis-Chem to certain Policyholders, where they have specifically opted into such benefit in relation to the Qualifying Insurance Product, which includes the Cover Discount Benefit.
- ‘Maximum Monthly Discount’:
- The maximum combined discounts that a Qualifying Policyholder can receive every calendar month.
- ‘Policyholder’:
- The person whose name appears on the policy and who is responsible for payment of the insurance premium. In cases where the Policyholder is different from the life insured on the relevant policy, this definition will relate to the life insured on the policy. The Policyholder is also referred to as “You” or “Your” in these Cover Discount Rules.
- ‘Protector Product’:
- A Protector Product offered by Dis-Chem Life, being a Dis-Chem Life Insurance product. Please refer to the Dis-Chem Protector Guide to see the latest Protector Plans.
- ‘Qualifying Chronic Conditions’:
- Chronic conditions disclosed during application for a Dis-Chem Life Individual policy which result in additional requirements and conditions under the Better Rewards Programme as per the Dis-Chem Life policy rules. These include Hypertension, Hypercholesterolemia, Diabetes Mellitus, Asthma, HIV, and Mental & Behavioural Disorders. This does not apply to Dis-Chem Life Funeral or Protector Products.
- ‘Qualifying Policyholder, You or Your’:
- The person named as the Policyholder, who has taken out a Qualifying Insurance Product. In cases where the Policyholder is different from the life insured on the relevant policy, this definition will relate to the life insured on the relevant policy.
- ‘Qualifying Insurance Premium’:
- The insurance premiums from Your Qualifying Insurance Product individual policies used to calculate Your Cover Discount. See section 3.2.1 for more information.
- ‘We, Us, Our’:
- Means Dis-Chem Pharmacies Limited or any of its affiliates.
2. Eligibility for Cover Discount Benefit
Participation in the Dis-Chem Better Rewards Programme is a prerequisite to qualify for the Cover Discount Benefit. If the Qualifying Policyholder is not yet a Dis-Chem Better Rewards Programme member, a Better Rewards Programme profile will automatically be created for the Qualifying Policyholder when they take out their policy with Dis-Chem.
Only Qualifying Policyholders will qualify to utilise the Cover Discount Benefit. The Cover Discount is automatically applied when the main Qualifying Policyholder presents their Better Rewards Card at the point of sale in a Dis-Chem or Baby City store or when they’re logged in to their account linked to their Better Rewards Card, for online purchases via our Digital Channels.
2.1 Qualifying Insurance Products
Policyholders with at least one of the following active insurance product types qualify for the Cover Discount Benefit:
- Dis-Chem Life Insurance: Life Cover, Critical Illness Cover, Disability Cover, Income Protection Cover, Protector Products or Funeral Cover; and/or
- Dis-Chem Health Medical Insurance: Day to Day Cover; and/or
- Dis-Chem Health Medical Insurance: Accident Cover or Gap Cover, who has opted in for Lifestyle Benefits; and/or
- Kaelo Medical Insurance, Kaelo Gap Cover, Kaelo Accident Cover, or Western Gap Cover, where the Policyholder’s employer has opted in for Lifestyle Benefits.
Policyholders who only have the following insurance products are not eligible for the Cover Discount Benefit:
- Dis-Chem Group Life products; and
- Dis-Chem Health Medical Insurance: Accident Cover or Gap Cover, if the Policyholder has not opted into the Lifestyle Benefits;
- Kaelo Medical Insurance, Kaelo Gap Cover, Kaelo Accident Cover, or Western Gap Cover, where the Policyholder’s employer has not elected to include Lifestyle Benefits.
2.1.1 Policyholder, Fee Payer & Non-transferability
The Better Rewards Programme is only available to the Qualifying Policyholder. This means the rewards, benefits and discounts apply only to the Qualifying Policyholder and not to any other dependants on the policy.
The HealthCheck and Health Rating information will be based on the Qualifying Policyholder only.
The recipient of the Cover Discount is the Qualifying Policyholder. A Qualifying Policyholder may not transfer or cede its rights to the Cover Discount to another person.
3. Calculation of Cover Discount and Maximum Monthly Savings
The Cover Discount is determined by the total value of Qualifying Insurance Premiums and how effectively You manage Your health. Your health management is reflected in Your Health Rating, which determines the Cover Discount You qualify for. The details of Your Health Rating calculation and the Cover Discount levels are explained below.
3.1 Health Rating
Your Health Rating is a level from 1 to 5.
The Health Rating is calculated using the outcomes of three key health assessment categories, as follows:
- HealthChecks, consisting of:
- Health Metrics; and
- Prevention and Screening Tests;
- Dis-Chem Script Score (Adherence Level); and
- Health Tests for Qualifying Chronic Conditions.
Your overall Health Rating is the lowest level you achieve across the applicable categories. The Better Rewards Programme Health Rating is only calculated for Qualifying Policyholders with a Dis-Chem Life individual policy (including Life Cover, Critical Illness Cover, Disability Cover, Income Protection Cover, Protector Products or Funeral Cover).
The table below outlines which categories apply to each Dis-Chem Life product. If You hold multiple Dis-Chem Life policies, Your Health Rating will be determined using the most comprehensive set of categories You qualify for. For instance, if You have a Dis-Chem Life Funeral Cover policy and a Dis-Chem Life individual policy with a Qualifying Chronic Condition, Your Health Rating will be calculated based on the categories for the Dis-Chem Life individual policy with a Qualifying Chronic Condition.
| Categories | Dis-Chem Life Funeral Cover and Protector Product | Dis-Chem Life Individual Life | Dis-Chem Life Individual Life with a Qualifying Chronic Condition |
|---|---|---|---|
| HealthChecks | ✓ (selected prevention tests) |
✓ | ✓ |
| Dis-Chem Script Score | ✓ | ✓ | |
| Health Tests for Qualifying Chronic Conditions | ✓ |
Example 1:
You only have a Dis-Chem Funeral Cover policy. Here You qualify for all the HealthCheck tests with selected prevention tests.
Example 2:
You have a Dis-Chem Funeral Cover policy and a Dis-Chem Life Insurance policy. Here You qualify for all the HealthCheck tests.
Example 3:
You have a Dis-Chem Funeral Cover policy and a Dis-Chem Life Insurance policy with a Qualifying Chronic Condition. Here You qualify for all the HealthCheck tests as well as the Dis-Chem Script Score and relevant Chronic Health Tests (depending on the condition which You have disclosed).
Dis-Chem fully covers the cost of all eligible tests performed at Dis-Chem Clinics, based on the required testing frequency for each health metric required to determine the Cover Discount. For example:
- If a test is required annually, Dis-Chem will fund one test per calendar year.
- If a test is required every three years, Dis-Chem will fund one test within that three-year period.
If You choose to retake tests within a shorter timeframe to improve Your Health Rating, these additional tests will be at Your own expense. The most recent test results will always be used to calculate Your HealthCheck and Chronic Health Test Level. Tests performed outside of Dis-Chem clinics will not be considered for assessment.
Please note that two of the preventative tests, colonoscopies and mammograms, cannot be performed at Dis-Chem Clinics and are not funded by Dis-Chem under the Better Rewards Programme.
Please see Appendix 1 - Summary of Health Rating tests, frequency and funding for an overview of the tests.
Each category (HealthChecks, Script Score and Chronic Health Tests) will be assessed where applicable and assigned a level from 1 to 5, based on the rules below.
3.1.1 HealthChecks
Your HealthCheck Level will be calculated based on the outcomes of specified HealthChecks, Your smoking status, and completion of the required preventative tests.
The calculation for Your HealthCheck Level is:
HealthCheck Level = Health Metrics Level – Smoker Status – Preventative Status
where:
Smoker status = 0 if Non-Smoker and 1 if Smoker
Preventative Status = 0 if all required preventative tests are done and 1 if any of the preventative tests are missed
This means that:
- If You are a smoker, then You will be reduced by one HealthCheck Level.
- If You have not done all the required preventative tests for Your age, gender, product type, and health conditions, then You will be reduced by one HealthCheck Level.
3.1.1.1 Health Metrics
Your HealthCheck Level will be calculated based on the following health metrics:
- Blood Pressure;
- Haemoglobin A1C (HbA1c);
- Apolipoprotein B (ApoB);
- Gamma-Glutamyl Transferase (GGT);
- Body Mass Index (BMI);
- Peak Expiratory Flow (PEF); and
- 3-minute step test.
The HealthCheck Levels are as follows:
| Health Test | Level 1 (Worst) | Level 2 | Level 3 | Level 4 | Level 5 (Best) |
|---|---|---|---|---|---|
| Blood Pressure | Systolic ≥ 160 mmHg OR Diastolic ≥ 100 mmHg |
140 ≤ Systolic < 160 OR 90 ≤ Diastolic < 100 |
130 ≤ Systolic < 140 OR 80 < Diastolic < 90 |
120 < Systolic < 130 AND Diastolic ≤ 80 |
Systolic ≤ 120 AND Diastolic ≤ 80 |
| HbA1c | ≥ 10.0% | 8.5% ≤ blood glucose < 10.0% | 7% ≤ blood glucose < 8.5% | 6% ≤ blood glucose < 7% | < 6% |
| ApoB* | Male: ≥ 1.3g/L Female: ≥ 1.2g/L |
Male: 1.2 ≤ ApoB < 1.3g/L Female: 1.1 ≤ ApoB < 1.2g/L |
Male: 1.1 ≤ ApoB < 1.2g/L Female: 1.0 ≤ ApoB ≤ 1.1g/L |
Male: 0.9 < ApoB < 1.1g/L Female: 0.8 < ApoB < 1.0g/L |
Male: ≤ 0.9g/L Female: ≤ 0.8g/L |
| Lipid Level* | Total cholesterol ≥ 8 mmol/L HDL ≤ 0.85 mmol/L Triglycerides ≥ 5 mmol/L LDL ≥ 4.9 mmol/L |
6.3 ≤ Total cholesterol < 8 0.85 < HDL ≤ 1 4 ≤ Triglycerides < 5 4.1 ≤ LDL < 4.9 |
5.2 < Total cholesterol < 6.3 1 < HDL ≤ 1.3 2.3 ≤ Triglycerides < 4 3.4 ≤ LDL < 4.1 |
Total cholesterol ≤ 5.2 1.3 < HDL < 1.5 1.7 < Triglycerides < 2.3 2.6 < LDL < 3.4 |
Total cholesterol ≤ 5.2 HDL ≥ 1.5 Triglycerides ≤ 1.7 LDL ≤ 2.6 |
| GGT | ≥ 200 IU/L | 150 ≤ GGT < 200 IU/L | 100 ≤ GGT < 150 IU/L | < 100 IU/L | < 100 IU/L |
| BMI (≤60 years) | BMI ≥ 40.0 | 35.0 ≤ BMI < 40.0 | 30.0 ≤ BMI < 35 | 25.0 ≤ BMI < 30 and waist M>102cm, F>88cm |
< 25.0 OR 25.0 ≤ BMI < 30 with waist M≤102cm, F≤88cm |
| BMI (>60 years) | BMI ≥ 40.0 OR BMI ≤ 16 | 35.0 ≤ BMI < 40.0 OR 16.0 < BMI ≤ 18.5 | 30.0 ≤ BMI < 35 | 25.0 ≤ BMI < 30 and waist M>102cm, F>88cm |
18.5 < BMI ≤ 25.0 OR 25.0 ≤ BMI < 30 with waist M≤102cm, F≤88cm |
| Peak Expiratory Flow | ≤ 55% predicted | 55% < PEF ≤ 65% | 65% < PEF ≤ 70% | 70% < PEF < 80% | ≥ 80% predicted |
| 3-Minute Step Test (VO₂Max ml/kg/min) | Male: 18-25: ≤35 26-35: ≤33 36-45: ≤28 46-55: ≤25 56-65: ≤23 65+: ≤22 Female: 18-25: ≤31 26-35: ≤28 36-45: ≤25 46-55: ≤23 56-65: ≤20 65+: ≤18 |
Male: 18-25: 35<VO₂≤42 26-35: 33<VO₂≤40 36-45: 28<VO₂≤35 46-55: 25<VO₂≤32 56-65: 23<VO₂≤30 65+: 22<VO₂≤26 Female: 18-25: 31<VO₂≤38 26-35: 28<VO₂≤35 36-45: 25<VO₂≤31 46-55: 23<VO₂≤28 56-65: 20<VO₂≤25 65+: 18<VO₂≤22 |
Male: 18-25: 42<VO₂≤47 26-35: 40<VO₂≤43 36-45: 35<VO₂≤39 46-55: 32<VO₂≤36 56-65: 30<VO₂≤32 65+: 26<VO₂≤29 Female: 18-25: 38<VO₂≤42 26-35: 35<VO₂≤39 36-45: 31<VO₂≤34 46-55: 28<VO₂≤31 56-65: 25<VO₂≤28 65+: 22<VO₂≤25 |
Male: 18-25: 47<VO₂≤52 26-35: 43<VO₂≤49 36-45: 39<VO₂≤43 46-55: 36<VO₂≤39 56-65: 32<VO₂≤36 65+: 29<VO₂≤33 Female: 18-25: 42<VO₂≤47 26-35: 39<VO₂≤45 36-45: 34<VO₂≤38 46-55: 31<VO₂≤34 56-65: 28<VO₂≤32 65+: 25<VO₂≤28 |
Male: 18-25: >52 26-35: >49 36-45: >43 46-55: >39 56-65: >36 65+: >33 Female: 18-25: >47 26-35: >45 36-45: >38 46-55: >34 56-65: >32 65+: >28 |
*Please note that either ApoB or Lipogram results will be used depending on Dis-Chem Life Insurance product rules. Only one will be funded per assessment, not both.
When calculating Your HealthCheck Level, the lowest level achieved across the tests will determine Your overall HealthCheck Level.
Example
You are a male, aged 30.
| Health Metric | Health Metric Results | HealthCheck Level Assigned |
|---|---|---|
| Blood Pressure | 135/85 | 3 |
| HbA1c | 5.5% | 5 |
| ApoB | 60mg/dl | 5 |
| GGT | 25 IU/L < 16 | 5 |
| PEF | 90% | 5 |
| BMI | 23 | 5 |
| Cotinine (Smoking Test) | No | NA |
| 3-min step test – VO₂Max (ml/kg/min) | 55 | 5 |
In this example, Your HealthCheck Level is 5 across all metrics except for blood pressure, where Your level is 3. Since Your overall HealthCheck Level is determined by the lowest level, Your final HealthCheck Level is 3.
3.1.1.2 Prevention and Screening Tests
These tests are preventive in nature and the results, whether favourable or unfavourable, will not impact Your assessment. However, failure to complete all the required preventive tests will result in Your HealthCheck Level (Section 3.1.1) being reduced. All tests outlined in this section must be conducted by a qualified Dis-Chem nurse in-store, unless stated otherwise.
The table below outlines the specific preventative and screening tests required for certain individuals, including their recommended frequency. Some tests are triggered by conditions disclosed during the Dis-Chem Life Insurance underwriting process and are mandatory for affected Policyholders.
The following preventive tests are required for all Dis-Chem Life Policyholders in order to qualify for the Cover Discount under the Better Rewards Programme:
| Preventative or Screening Test | Frequency Required | Required Policyholders |
|---|---|---|
| HIV | Annual | All Dis-Chem Life Policyholders, unless HIV-positive status declared. |
| Smoker Declaration / Cotinine Test | Annual | All Dis-Chem Life Policyholders will be asked to complete either a smoker’s declaration or a cotinine test*. |
| Flu Vaccination | Annual |
Must meet at least one of the following criteria:
|
*At the discretion of Dis-Chem Life.
The following screening tests are required for all Dis-Chem Life Policyholders who wish to qualify for the Cover Discount under the Better Rewards Programme, except for those who hold only Funeral Cover or Protector Products (or any combination of these), unless stated otherwise.
| Screening Test | Frequency Required | Required Policyholders |
|---|---|---|
| Fecal Occult Blood | Every 5 years |
Must meet at least one of the following criteria:
|
| HPV / Pap Smear | Every 5 years | Females |
| Prostate Specific Antigen (PSA) | Every 5 years | Males aged 60 and older |
| Highly Sensitive C-Reactive Protein (hs-CRP) | Every 5 years |
Must meet at least two of the following criteria and have a Health Rating of level 3 or worse:
|
| Lipoprotein (a) | Once |
Must meet at least one of the following criteria:
|
| Colonoscopy | Every 10 years |
Must meet at least one of the following criteria:
|
| Mammogram | Every 2 years | Females aged 40 and older |
3.1.2 Dis-Chem Script Score
The Dis-Chem Script Score measures how consistently Dis-Chem Life Policyholders with a Qualifying Chronic Condition collect their prescribed medication for the condition disclosed at application. It is a rolling 12-month average that updates monthly, providing a dynamic measure of adherence over time.
3.1.2.1 How the Score Works
-
Score Calculation:
The score is calculated using the formula:Dis-Chem Script Score =
(Number of months medication was collected in the past 12 months) ÷
(The lower of 12 months or the number of months since Your Dis-Chem Life insurance policy started)Each month is marked as:
- 1: Medication collected
- 0: Medication not collected
-
Mapping to Levels:
The score is converted into an Adherence Level based on the percentage of months medication was collected:
| Adherence Level | Level 1 | Level 2 | Level 3 | Level 4 | Level 5 |
|---|---|---|---|---|---|
| Percentage | 0–25% | 25–50% | 50–75% | 75–90% | >90% |
3.1.3 Health Tests for Qualifying Chronic Conditions
Additional health tests will be funded by Dis-Chem once a year for Dis-Chem Life individual Policyholders with Qualifying Chronic Conditions. The table below outlines the tests required for applicable Policyholders.
| Health or Screening Test | Frequency Required | Relevant Qualifying Chronic Conditions |
|---|---|---|
| Estimated Glomerular Filtration Rate (eGFR) | Annual |
|
| CD4 Lymphocyte Count (CD4 Count) | Annual | HIV-Positive Policyholders |
| Viral Load | Annual | HIV-Positive Policyholders |
3.1.3.1 Assessment and Scoring
The results of these tests are assessed under the Chronic Test category and are categorised into five levels. Your overall level will be based on the lowest score among the three metrics (eGFR, CD4 Count, and Viral Load), as displayed in the table below:
| Health Metric | Level 1 | Level 2 | Level 3 | Level 4 | Level 5 |
|---|---|---|---|---|---|
| eGFR | ≤ 40 mL/min | 40 < eGFR ≤ 50 mL/min | 50 < eGFR ≤ 60 mL/min | 60 < eGFR ≤ 90 mL/min | > 90 mL/min |
| CD4 | ≤ 200 cells/mm³ | 200 < CD4 Count ≤ 300 cells/mm³ | 300 < CD4 Count ≤ 350 cells/mm³ | 350 < CD4 Count ≤ 500 cells/mm³ | > 500 cells/mm³ |
| Viral Load | ≥ 1,000 copies/mL | 200 ≤ Viral Load < 1,000 copies/mL | 50 ≤ Viral Load < 200 copies/mL | Undetectable (< 50 copies/mL) | Undetectable (< 50 copies/mL) |
3.1.4 Validity of Tests
All tests for Health Metrics and for Qualifying Chronic Conditions: Test results are valid for 12 months from the date of testing. If the required tests are not performed again within this timeframe, the Qualifying Policyholder will automatically be assigned Level 1 in the relevant test category until new tests are completed.
Tests for Prevention and Screening: Test results are valid for the required frequency period, commencing from the date of testing. For example, when the required testing frequency is five years, the test results are valid for 60 months from the date of testing. Once these periods expire, the Qualifying Policyholder’s Health Rating will be assessed as if the test was not performed, and the HealthCheck Level will be reduced until the test is performed again.
3.1.5 Calculation of Health Ratings
Each Qualifying Policyholder will be assigned a level from 1 to 5 for each of the three categories: HealthChecks, Dis-Chem Script Score, and Health Tests for Qualifying Chronic Conditions. The lowest level across these three categories will determine a Qualifying Policyholder’s final Health Rating.
Overall Health Rating = min( HealthChecks Level, Script Score Level, Chronic Health Tests Level )
The way to calculate Your overall Health Rating is as follows:
-
Calculate the level for Your HealthCheck Category:
- Minus one level if You are a Smoker; and
- Minus one level if You don’t perform all Preventative and Screening Tests.
- Calculate the level for Your Dis-Chem Script Score Category (if applicable);
- Calculate the level for Your Dis-Chem Chronic Health Tests (if applicable); and
- Take the lowest level across these Categories.
Example 1
Assumptions:
- The Qualifying Policyholder is a 30-year-old male with a Dis-Chem Life individual policy.
- The Qualifying Policyholder has disclosed mental & behavioural conditions during the application process (a Qualifying Chronic Condition).
- No other medical conditions were disclosed during the underwriting process.
- The Qualifying Policyholder’s BMI is 24.
Category 1 – HealthCheck
a. HealthCheck Level
The Qualifying Policyholder completes a HealthCheck at their nearest Dis-Chem Clinic, funded by Dis-Chem.
| Health Metric | Health Metric Results | HealthCheck Level |
|---|---|---|
| Blood Pressure | 135/85 | 3 |
| HbA1c | 5.5% | 5 |
| ApoB | 60 mg/dL | 5 |
| GGT | 25 IU/L < 16 | 5 |
| PEF | 90% | 5 |
| BMI | 23 | 5 |
| Cotinine (Smoking Test) | No | NA |
| Cardiorespiratory Fitness (Chester Step Test) – VO₂Max | 55 ml/kg/min | 5 |
The Qualifying Policyholder has a HealthCheck level of 5 for all tests except blood pressure, where they have a HealthCheck level of 3. As a result, they received the lowest HealthCheck Level, so they will be considered Level 3 for the HealthCheck Category.
b. Preventative and Screening Tests
No Preventative tests are required based on the Qualifying Policyholder’s age and health conditions.
The Qualifying Policyholder is also Non-Smoker, so they remain at their current HealthCheck Level.
Category 2 – Script Score
The Qualifying Policyholder is somewhat adhering to their prescription medication and scores 45%, which is Level 2.
Category 3 – Chronic Health Tests
No further chronic tests are needed.
Overall
Health Rating = Lowest level across HealthChecks, Dis-Chem Script Score, and Chronic Health Tests.
Health Rating = 2
Explanation: The Qualifying Policyholder had a Level 3 for HealthChecks, a Level 2 Script Score, and no requirement for Chronic Health Tests. Here the Qualifying Policyholder’s overall Health Rating is Level 2.
Example 2
Assumptions:
- The Qualifying Policyholder is a 30-year-old male with a Dis-Chem Life individual policy.
- The Qualifying Policyholder has disclosed that he is HIV positive during the application process. This is a Qualifying Chronic Condition.
- No other medical conditions were disclosed during the underwriting process.
- The Qualifying Policyholder’s BMI is 24.
Category 1 – Health and Preventative Tests
a. HealthCheck Level
The Qualifying Policyholder goes to their nearest Dis-Chem clinic for a free HealthCheck and receives the following results from their HealthCheck:
| Health Metric | Health Metric Results | HealthCheck Level |
|---|---|---|
| Blood Pressure | 135/85 | 3 |
| HbA1c | 5.5% | 5 |
| ApoB | 60mg/dl | 5 |
| GGT | 25 IU/L<16 | 5 |
| PEF | 90% | 5 |
| BMI | 23 | 5 |
| Cotinine (Smoking Test) | No | NA |
| CRF Test (Chester step test) - VO2Max (ml/kg/min) | 55 | 5 |
They receive a HealthCheck level of 5 for all tests except blood pressure, where they are classified as a Level 3. This means that they will receive the lowest HealthCheck level across all the tests, being Level 3.
b. Preventative and Screening Tests
A flu vaccine is needed which is administered for free during the Dis-Chem clinic visit.
The Qualifying Policyholder is also a Non-Smoker, so they remain at their current Health and Preventative Test Level of 3.
Category 2 – Script Score
The Qualifying Policyholder is very adherent and scores 95%, which is Level 5.
Category 3 – Chronic Health Tests
The Qualifying Policyholder is required to undergo Chronic Health Tests to effectively monitor and assess the ongoing management of their HIV condition. They receive the following results:
| Health Test | Chronic Health Test Results | Health Level |
|---|---|---|
| eGFR | 30 | 1 |
| CD4 Count | 750 | 5 |
| Viral Load | 10 | 5 |
Overall
The Qualifying Policyholder’s Overall Health Rating is determined by taking the lowest score among the three categories:
- Health Test Level (3)
- Script Score Level (5)
- Chronic Health Test Level (1)
Final Result
The Qualifying Policyholder’s overall Health Rating is Level 1, based on the lowest score across the three categories.
3.2 DISCOUNT LEVEL AND COVER DISCOUNT MATRIX
If Your Qualifying Insurance Product is a Group Kaelo Medical Insurance, Kaelo Gap Cover, Kaelo Accident Cover, or Western Gap Cover product, Your monthly Cover Discount is capped at 20%.
Qualifying Policyholders with one or more of the following Qualifying Insurance Product: (i) Dis-Chem Life Insurance; and/or (ii) Dis-Chem Health Medical Insurance, will be entitled a maximum of Cover Discount according to the Cover Discount Matrix (section 3.2.2). The applicable Cover Discount determined based on the Cover Discount Matrix, will apply regardless of whether the Qualifying Policyholder also has a Group Kaelo Medical Insurance, Kaelo Gap Cover, Kaelo Accident Cover, or Western Gap Cover product.
3.2.1 Qualifying Insurance Premium
Your Qualifying Insurance Premium is the sum of the premiums from Your eligible Dis-Chem Life Insurance: Life Cover, Critical Illness Cover, Disability Cover, Income Protection Cover, Funeral Cover or Protector Product and/or (ii) Dis-Chem Health Medical Insurance: Day to Day Cover, Accident Cover or Gap Cover policies:
Qualifying Insurance Premium = total Dis-Chem Life Insurance premium + total Dis-Chem Health Medical Insurance premiums
Only premiums from individual insurance policies are included in the calculation for Qualifying Insurance Premium. This means any Group insurance policies will not be included in the calculation for Qualifying Insurance Premium.
3.2.2 Cover Discount Matrix
The Cover Discount Matrix works as follows:
- Qualifying Insurance Premium: determines the row of the matrix (shown vertically).
- Health Rating: (ranging from 1 to 5) determines the column of the matrix (shown horizontally).
Note that Health Ratings of 2–5 are only available for Qualifying Policyholders with an individual Dis-Chem Life Insurance policy. Qualifying Policyholders with any other type of Qualifying Insurance Product and no individual Dis-Chem Life Insurance policy will automatically be assigned Health Rating of 1.
| Qualifying Insurance Premium | Health Rating | |||||
|---|---|---|---|---|---|---|
| Lower | Upper | 1 | 2 | 3 | 4 | 5 |
| 0 | R499 | 20.0% | 22.5% | 25.0% | 27.5% | 30.0% |
| R500 | R1 499 | 25.0% | 27.5% | 30.0% | 32.5% | 35.0% |
| R1 500 | R2 499 | 30.0% | 32.5% | 35.0% | 40.0% | 45.0% |
| R2 500 | R3 499 | 35.0% | 40.0% | 45.0% | 50.0% | 55.0% |
| R3 500 | R3 999 | 40.0% | 45.0% | 50.0% | 60.0% | 70.0% |
| R4 000 | R4 499 | 45.0% | 50.0% | 60.0% | 70.0% | 90.0% |
| R4 500+ | 50.0% | 60.0% | 70.0% | 90.0% | 100.0% | |
Example
If Your Qualifying Insurance Premium is R1,800 and Your Health Rating is Level 5, Your monthly discount is 45.0%.
3.3 MAXIMUM MONTHLY DISCOUNT
Each month You can receive combined Better Rewards discounts in store and/or online via our Digital Channels up to a specified maximum discount amount. This maximum monthly amount for Qualifying Policyholders is determined as follows:
| Qualifying Product Types | Maximum Monthly Discount |
|---|---|
| Group Kaelo Medical Insurance, Kaelo Gap Cover, Kaelo Accident Cover, or Western Gap Cover products | R850 |
| Dis-Chem Life Insurance product or Dis-Chem Health Medical Insurance products |
If Qualifying Insurance Premium ≤ R850 = based on discount %:
10% discount = R750; 15% discount = R800; >=20% = R850 If Qualifying Insurance Premium ≤ R3000 = Qualifying Insurance Premium If Qualifying Insurance Premium > R3000 = R3000 |
| A combination of Group Kaelo Medical Insurance, Kaelo Gap Cover, Kaelo Accident Cover, or Western Gap Cover products AND individual Dis-Chem Life Insurance or Dis-Chem Health Medical Insurance products |
If Qualifying Insurance Premium ≤ R850 = based on discount %:
10% discount = R750; 15% discount = R800; >=20% = R850 If Qualifying Insurance Premium > R850 and ≤ R3000 = Qualifying Insurance Premium If Qualifying Insurance Premium > R3000 = R3000 |
The monthly discount limits are reset on the first day each calendar month.
3.3.1 How does the Cover Discount work when other discounts or promotions are in place?
The Cover Discount will apply on top of the regular price, promotional price, normal discount, bonus buys, and instant discounts on any Qualifying Products.
4. Cover Discount Benefit Fee
4.1 MONTHLY COVER DISCOUNT BENEFIT FEE
All Qualifying Policyholders with one or more Qualifying Insurance Products (excluding Group Kaelo Medical Insurance, Kaelo Gap Cover, Kaelo Accident Cover, or Western Gap Cover) will be required to pay a single monthly Cover Discount Benefit Fee to enable the Cover Discount Benefit. The billing will either be done together with the Qualifying Policyholder’s Dis-Chem Life or Dis-Chem Health insurance premium, depending on the policy (or combination of policies) they hold.
4.1.1 Dis-Chem Health only policies
If You are only a Dis-Chem Health Policyholder, the Cover Discount Benefit Fee will be collected along with Your Dis-Chem Health insurance premium each month, either (i) embedded in a Dis-Chem Health insurance Medical Insurance (e.g. Day to Day Cover) product or (ii) quoted separately for Gap Cover or Accident Cover, for purposes of opting into the Lifestyle benefits.
Both Your Dis-Chem Health premium and Cover Discount Benefit Fee must be successfully collected to qualify for Cover Discounts within a month.
If Your Dis-Chem Health policy is suspended, You will forfeit Your Cover Discount Benefit until Your Dis-Chem Health insurance premium and Cover Discount Benefit Fee have been successfully collected and Your Dis-Chem Health policy is reactivated.
4.1.2 Dis-Chem Life only policies
If Your only Qualifying Insurance Product is a Dis-Chem Life product, the Cover Discount Benefit Fee will be collected along with Your Dis-Chem Life insurance premium each month.
Both Your Dis-Chem Life premium and Dis-Chem Cover Discount Benefit Fee must be successfully collected to qualify for Cover Discount within a month.
If Your Dis-Chem Life policy is suspended, You will forfeit Your Cover Discount Benefit until Your Dis-Chem Life insurance premium and Cover Discount Benefit Fee have been successfully collected and Your Dis-Chem Life Policy is reactivated.
4.1.3 Billing for dual Dis-Chem Life and Dis-Chem Health Policyholders
If You hold both Dis-Chem Health and Dis-Chem Life policies:
The Cover Discount Benefit Fee will be collected along with Your Dis-Chem Health insurance premium if one of Your policies is a Dis-Chem Health Medical Insurance policy and/or You are opted in for Lifestyle Benefits on a Dis-Chem Health Accident Cover or Gap Cover product. Dis-Chem Health will be the Cover Discount Benefit Fee collector, and the amount collected by Dis-Chem Life will not include a Cover Discount Benefit Fee.
The Cover Discount Benefit Fee will be collected along with Your Dis-Chem Life insurance premium if You do not hold a Dis-Chem Health Medical Insurance policy and You are not opted in for Lifestyle Benefits on a Dis-Chem Health Accident Cover or Gap Cover product. Dis-Chem Life will be the Cover Discount Benefit Fee collector, and the amount collected by Dis-Chem Health will not include Your Cover Discount Benefit Fee.
If Dis-Chem Health is the Cover Discount Benefit Fee collector:
If all Your Dis-Chem Health policies have lapsed or have been cancelled (not including suspended status) and You have one or more active Dis-Chem Life policies, Dis-Chem Life will initiate monthly billing for the Cover Discount Benefit Fee and this will be collected together with Your Dis-Chem Life insurance premiums.
If Your Dis-Chem Health policy is suspended, You will forfeit Your Cover Discount Benefit until either of the following occurs:
- Your Dis-Chem Health insurance premium and Cover Discount Benefit Fee have been successfully collected and Your Dis-Chem Health policy is reactivated.
- Your Dis-Chem Health policy has lapsed or cancelled, Your Dis-Chem Life policy remains active, and Dis-Chem Life has successfully collected Your Cover Discount Benefit Fee.
If Dis-Chem Life is the Cover Discount Benefit Fee collector:
If all Your Dis-Chem Life policies have lapsed or have been cancelled (not including suspended status), this means that You will forfeit Your Cover Discount Benefit as You will not have any Dis-Chem Health policies that qualify You for the Cover Discount Benefit.
If Your Dis-Chem Life policy is suspended, You will forfeit Your Cover Discount Benefit until Your Dis-Chem Life insurance premium and Cover Discount Benefit Fee have been successfully collected and Your Dis-Chem Life policy is reactivated.
5. Reactivation of the Cover Discount Benefit
For all scenarios mentioned above in section 4.1, Dis-Chem will monitor whether Your Cover Discount Benefit Fee is up to date. In cases where Cover Discount Benefit are revoked due to non-payment, the Cover Discount Benefit will only be reinstated when the Cover Discount Benefit Fee is brought up to date.
In the event of the Cover Discount Benefit Fee not being collected for any reason, the Cover Discount Benefit will be disabled immediately. Upon successful resumption of the Cover Discount Benefit Fee collection, the Cover Discount Benefit will be automatically reactivated and the Cover Discount Benefit reinstated within 24 hours. Cover Discount earned in the period where Cover Discount Benefit was deactivated will not be backdated to the Qualifying Policyholder.
If the Qualifying Policyholder cancels one of their Qualifying Insurance Products, the Cover Discount is recalculated based on the new total aggregated Qualifying Insurance Premium(s). If the Qualifying Policyholder is in arrears on their Dis-Chem Life Insurance or Dis-Chem Health Insurance policies, they will not be eligible for the Cover Discount Benefit, until their insurance premium(s) are paid up within the policy reinstatement period.
Once the Qualifying Policyholder has paid up their insurance premiums within the policy reinstatement period, the Health Rating used for determining the Cover Discount, would be the last known Health Rating and the Cover Discount Benefit will then be reactivated, from such date, to purchases of Qualifying Products in-store or online via our Digital Channels.
If all Your Qualifying Insurance Products are cancelled or lapsed, and You take out any Qualifying Insurance Products and, where required opt into the Lifestyle Benefits, within the same calendar year in which You went for HealthChecks, Your last known Health Rating will be reinstated.
Where a Qualifying Policyholder takes out a Qualifying Insurance Products outside of the calendar year period, the Qualifying Policyholder’s Health Rating would drop to 1.
5.1 PERMISSION FOR DEBIT ORDERS
All Qualifying Dis-Chem Life Policyholders with Dis-Chem Life Insurance products, whether an existing Dis-Chem Health Policyholder or not, must grant permission for Dis-Chem Life to use their debit order details to collect their Cover Discount Benefit Fee along with their insurance premium. Cover Discount Benefit must be activated along with their Dis-Chem Life insurance policy.
All Dis-Chem Health Medical Insurance Policyholders and/or all Dis-Chem Health Accident Cover and Gap Cover Policyholders who have opted in for Lifestyle Benefits (which includes activation of the Cover Discount Benefit) must grant Dis-Chem Health permission to collect their Cover Discount Benefit Fee along with their insurance premium.
5.2 ANNUAL REVIEW
Dis-Chem may review the Cover Discount Benefit Fee annually, and reserves the right to adjust it subject to 30 days written notice to all Qualifying Policyholders.
6. General Cover Discount Benefit Rules
You are only eligible to start using Your Cover Discount Benefit once You have registered as a member of the Better Rewards Programme, Your first Cover Discount Benefit Fee is collected and Your Qualifying Insurance Product has incepted, together with the activation of the Lifestyle Benefits where required.
The Cover Discount Benefit is for the sole benefit of the Qualifying Policyholder and is not transferable. Dis-Chem reserves the right to request a valid identity document issued in the Qualifying Policyholder’s country of origin at the point of sale to verify that the Qualifying Policyholder matches the Dis-Chem Better Rewards Programme membership profile utilised for the purchase of the Qualifying Products. Cover Discount Benefit is only available for Qualifying Policyholders in South Africa.
We may, from time to time, amend, update, or replace these Cover Discount Rules, including the structure, benefits, or operation of the Cover Discount Benefit. Other than in respect of changes to the Cover Discount Benefit Fee, we are under no obligation to provide prior notice of such changes, except where material revisions are made. Any changes will take effect when published on our website or other official communication channels we may use from time to time.
7. Contact Details
For any inquiries, please contact the Dis-Chem Careline on 0860 347 243 or at [email protected], or on WhatsApp on 0860 347 243 or visit the Customer Service Desk in-store or log a request via our mobile app.
8. Appendix
APPENDIX 1 – SUMMARY OF HEALTH RATING TESTS, FREQUENCY AND FUNDING
The table below provides a complete overview of funding for various tests across different products.
| Health or Screening Test | Frequency required | Target | Funded by Dis-Chem |
|---|---|---|---|
| Blood Pressure | Annual | All | √ |
| HbA1c | Annual | All | √ |
| ApoB / Lipogram | Annual | All | √ |
| GGT | Annual | All | √ |
| BMI | Annual | All | √ |
| PEF (Peak Expiration Flow) | Annual | All | √ |
| CRT Test | Annual | All | √ |
| Non-Smokers Declaration | Annual | All | √ |
| Fecal Occult | Every 5 years | Specific (section 3.1.1.2) | √ |
| HPV/Pap Smear | Every 5 years | Specific (section 3.1.1.2) | √ |
| PSA | Every 5 years | Specific (section 3.1.1.2) | √ |
| hs-CRP | Every 5 years | Specific (section 3.1.1.2) | √ |
| Lipoprotein (a) | Once | Specific (section 3.1.1.2) | √ |
| HIV | Annual | All | √ |
| Flu | Annual | Specific (section 3.1.1.2) | √ |
| Colonoscopy | Every 10 years | Specific (section 3.1.1.2) | × |
| Mammogram | Every 2 years | Specific (section 3.1.1.2) | × |
| eGFR | Annual | Specific + HIV (section 3.1.3) | √ |
| CD4 Count | Annual | HIV | √ |
| Viral Load | Annual | HIV | √ |
C. DIS-CHEM BABY & ME™ PARENTING PROGRAMME TERMS AND CONDITIONS:
- The Dis-Chem Parent & Baby programme known as the “Dis-Chem Baby & Me™ Parenting Programme”, is operated by Dis-Chem.
- The Dis-Chem Baby & Me™ Parenting programme is open to parents who are expecting and those with children up to the age of 36 months.
- To register for the Dis-Chem Baby & Me™ Parenting programme download the Dis-Chem App and register by selecting the Baby & Me™ Parenting programme tile to activate your Dis-Chem Baby & Me™ Parenting programme.
- The following benefits will apply to members who register for the Dis-Chem Baby & Me™ Parenting programme via the Dis-Chem App:
- A personalised timeline packed with videos, articles and more guiding you through each stage of your pregnancy journey and baby’s development.
- A personal calendar allowing you to document necessary time-sensitive notes and any upcoming appointments.
- Direct clinic bookings to our network of specialised mom and baby clinics.
- User-friendly tracking tools, such as kick counts, blood pressure, vaccinations, breastfeeding and more.
- Monthly webinars with maternity experts, exclusive to app users.
- 24/7 access to expert resources.
- Personalised shopping lists helping you through every aspect of your journey.
- Exclusive vouchers and instant discounts on selected products.
- Free Baby Bag filled with baby essentials as per conditions below.
- In order to qualify for a baby bag, proof of pregnancy or baby’s birth may be requested and the following documentation will be acceptable:
- A stamped letter from your Doctor, Clinic or healthcare provider
- A medical sonar, displaying the member’s name and due date;
- Your child’s birth certificate;
- Adoption/surrogacy papers;
- Alternatively book an appointment with the Dis-Chem Clinic Sister for a basic antenatal screening; and
- In the case of multiple births, please provide the supporting documentation to indicate the number of expected babies.
- Members who are not expecting may not apply for the Dis-Chem Baby & Me™ Parenting programme on behalf of another member/person in order to receive a bag for said member/person.
- The member registered for the Baby & Me™ Parenting programme must be an active Dis-Chem App user, shop at Dis-Chem Pharmacies or Dis-Chem Baby City stores, swipe the Benefit Card associated to the registered member’s profile and spend a minimum of R1000 or more on qualifying baby products from their join date to the Dis Chem Parent & Baby programme, in order to qualify for the baby bag.
- The Benefit card number associated to the profile of the member registered for the Baby & Me™ Parenting programme can be found under the “Benefit” option on the Dis-Chem Mobile App.
- Contents and value of the Baby Bag may vary from time to time.
- We will notify you through our App to collect your bag.
- If the expecting member is not able to collect the baby bag, a representative may be nominated to collect the bag on the member’s behalf, provided that the collecting person shall bring in the members Benefit Card and a copy of the expecting member’s identity document as well as the collecting person’s own positive identification.
- Baby bags not collected within 6 (six) weeks of the expected due date will be forfeited by the member and may only be reissued at the discretion of Dis-Chem.
- Only members whose child is less than 6 (six) months old will qualify to receive the baby bag.
- Only 1 (one) baby bag per expected child of an expecting member, qualifying for a baby bag under these terms will be issued.
