The present invention discloses a wrist- or forearm-mounted device for dispensing a small amount of alcohol-based disinfectant hand rub, moisturizer, or other hand medicament. Even powder-based hand treatments can be dispensed using the present invention. A wristband or other attachment means affix the device to arm or wrist. Various locations are feasible including the top, side, or underside of the wrist or forearm. In a preferred embodiment, the device is in the form of the device is in the form of a wrist-mounted dispenser with a nozzle that uses refill cartridges or packets to supply a small amount of dispensed skin treatment when actuated. Surreptitious actuation and dispensing of hand treatments is made possible with embodiments of the invention that are mounted on the underside of the wrist and can be easily actuated in a casual, not easily detected manner.