Discovery Health Medical Aid is the leading medical aid in South Africa and there must be a reason for that!
Discovery Health offers you a choice from 23 plans, all with unlimited private hospital cover, out of hospital benefits and full cover in extensive healthcare networks!
This is certainly the finest medical aid for you and your family to join!
You are sure to find a healthcare plan that will protect you from high medical costs and be affordable too.
Get a quote and see how easy it is to join today!
Day to day savings
Above Threshold Benefit - Certain plans have a safety net that gives you further day-to-day cover.
Once your claims add up to your threshold, Discovery Health pay the rest of your claims for that year - depending on your plan limits.
Maternity Benefit - all plans offer comprehensive maternity and early childhood benefits, paid by the scheme.
Screening and Prevention Benefit - you and your children have access to cover that tests for detection and early warning signs of serious illness.
Other Benefits ...
Benefits of joining VITALITY are:
It's been proven that Vitality members live longer than non-Vitality members!
At the beginning of a year, all medical providers and medical aids decide on the cost of a procedure.
That is known as the 100% or scheme (medical aid) rate. Medical aids then pay at this rate.
If you use private providers, they can charge what they want - the private rate.
This can be 5 times more expensive than the medical aid rate!
In order to make a plan attractive to you, medical aids then offer plans that pay higher rates than the base, 100% medical aid rate.
Discovery’s CLASSIC plans pay at 2 times the medical aid rate.
The ESSENTIAL and COASTAL plans pay at 100% of the medical aid rate.
However, even with a CLASSIC plan, if you use a private provider who charges say, 5 times scheme rates, you can have a significant claim shortfall!
What you can do to prevent a possible claim shortfall.
1. Use providers who are linked to Discovery, as they charge scheme rates.
In this case, you may then choose not to join the more expensive (CLASSIC - 2 times medical aid rate plan) and rather join an ESSENTIAL plan as linked specialists are always paid in full.
(Please be aware that some limits and savings do reduce with the ESSENTIAL PLANS.)
2. Buy a Top up or Gap plan for around R 350 pm, per family!
This will boost in–hospital claims to 5 times the scheme rate and is your best option!
You can then safely take an ESSENTIAL plan, as the top up will cover any shortfall.
There are also a few co-payments, like diagnostic scopes and specialised dentistry to be aware of and a Top Up will cover these as well.
If you are prepared to use network of providers, you can get plans at lower cost.
This is because Discovery can control what these providers charge and pass that onto you as a discounted premium.
These plans offer unlimited hospitalisation and essential day-to-day benefits for very attractive premiums!
The KeyCare Plus Plan uses listed hospital and day-to-day providers.
It is South Africa's most popular, low-cost medical aid!
Delta plans use listed hospitals and your choice of day-to-day providers.
Check these PLAN BENEFIT VIDEOS: (they offer a brief benefit explanation of each plan).
The most extensive cover for in-hospital and day-to-day benefits with extended chronic medicine cover and an unlimited Above Threshold Benefit.
Comprehensive cover for in-hospital and day-to-day cover with extended chronic medicine cover and an unlimited Above Threshold Benefit.
Cost-effective in-hospital cover, essential chronic medicine cover and day-to-day benefits with a limited Above Threshold Benefit.
The most economical in-hospital cover, essential chronic medicine cover and day-to-day benefits through a Medical Savings Account.
These plans are amongst the lowest cost Hospital and Savings plans in SA!
A value-for-money hospital plan that provides unlimited private hospital cover and essential cover for chronic medicine with no day-to-day cover.
The most cost-effective in-hospital cover, essential chronic medicine cover plus limited day-to-day cover if you're willing to use providers in a specified network.
Affordable medical cover if you're willing to use providers in a specified network for both in-hospital and out-of-hospital treatment.
Best, ideal, affordable plan for pensioners and families on a strict budget.
How to join now - download the Discovery Application
P.S. If you work for a company, pass the Discovery Health Medical Scheme onto your HR I'm sure that Discovery Health can save your company substantial money.
And won't that look good for you!
You must consult the schemes/company product brochures and rules for comprehensive benefit descriptions.
Last update Oct 16, 2020
Disclaimer and Medical Disclosure
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