Best Medical Aid in South Africa

Discovery Health Medical Aid has 23 plans - all with unlimited private hospital cover, out of hospital benefits and full cover in extensive healthcare networks!

This guide will help you find and join a plan that will suit your needs and budget.

It is certainly the finest medical aid for you and your family to join and you are sure to find a healthcare plan that will protect you from high medical costs.

Discovery Health Medical Aid is the leading medical aid in South Africa and there must be a reason for that!

  1. Affordable contributions - which are on average 16.9% lower than other South African medical schemes - give you real value for money!
  2. Advanced digital health technology allows you smooth, instant support, 24/7.
  3. Industry-leading financial stability gives you the peace of mind that your claims will be paid and the company is solvent.
  4. Access to wide-ranging and unique benefits, care programmes and services that ensure you and your doctor can access the best healthcare available when you need it.
  5. Access to the world’s leading science-based wellness programme, Vitality.

Get a quote and see how easy it is to join today!

discovery hospitalThe best hospital benefits

  • No overall limit hospital cover with every plan.
  • Use any private hospital on most plans.
  • Use network hospitals and get discounted rates!
  • Cover includes the hospital, admitting doctor, anaesthetist and any other approved healthcare professional accounts.
  • Full cover when you use linked doctors, specialists and other healthcare professionals!
  • Emergencies are covered in full.
  • Full cover for a defined list of procedures done in network day surgeries!

  • day to day

    Day to day savings

  • On selected plans, day-to-day medical expenses (like GP, specialist consultations, medicine, radiology and pathology) are paid from a savings fund.
  • Unused funds carry over to the next year.
  • The Smart plans offer unlimited network benefits (through a network of GP's) with a co-payment when you use them.

    The KeyCare plans offer primary care through a network of GPs.

    chronicChronic benefits

  • All the plans cover approved medicine for the PMB Chronic Disease List conditions. Certain plans cover additional conditions.
  • Use network providers and get full cover and have your medicine delivered to your door!
  • DiabetesCare and HIVCare programmes, together with your Premier Plus GP, will help you manage your specific chronic conditions.

    You have unlimited cancer cover.

  • Day to day Extender Benefit

    Kicks in when your savings are used. Discovery Health will pay further costs for essential network healthcare services.

    Depending on your plan, you can get full cover for GP consultation fees, blood tests, preferred day-to-day medicine, antenatal consultations, kids casualty visits, video call consultations with paediatricians and some external medical items.

    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.

    maternityMaternity 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 ...

  • International Second Opinions - for life-threatening and life-changing conditions.
  • International Travel Benefit
  • Africa Evacuation Benefit
  • Overseas Treatment cover - for treatments that not covered in South Africa.
  • Home-based Care - quality care in your home.
  • Compassionate Care Benefit
  • A defined list of the Latest Treatments
  • Discounted Optical Frames and Lenses
  • Additional Benefits for allied, therapeutic, psychology services and extended medical items.
  • Non-invasive Pre Natal Testing and newborn screening.

  • vitality Vitality is the world’s leading science-based behavioural-change programme that encourages and rewards you for leading a healthier lifestyle and for driving well.

    Benefits of joining VITALITY are:

    1. Save up to 100% on your monthly gym fees!
    2. Up to 35% savings when you travel. PLUS, save up to 100% on two local flights a year!
    3. Up to R1 000 cash back per family each month for buying HealthyFood
    4. Up to 50% of your fuel spend rewarded!
    5. Half-price movies, PLUS kids watch for FREE!
    6. Up to 25% off Uber trips
    7. Weekly rewards ranging from coffees and smoothies to dream holidays with Vitality Active Rewards!
    8. strong>Discovery Credit Card is a Visa card that gives you access to the rewarding world of Discovery Miles.
      Use it everywhere you shop and enjoy great rewards from a wide range of partners in our network.

    It's been proven that Vitality members live longer than non-Vitality members!

    What CLASSIC, ESSENTIAL, and COASTAL plans mean.

    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. If you use providers who are linked to Discovery, 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.) OR,

    2. You can 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.

    The Top Up does cover these as well.

    Network Plans

    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.

    Benefits are plan dependent.

    Check these PLAN BENEFIT VIDEOS: (they offer a brief benefit explanation of each plan).

    EXECUTIVE PLAN - From R7,257

    The most extensive cover for in-hospital and day-to-day benefits with extended chronic medicine cover and an unlimited Above Threshold Benefit.

    executive plan


    Comprehensive cover for in-hospital and day-to-day cover with extended chronic medicine cover and an unlimited Above Threshold Benefit.

    comprehensive plan

    PRIORITY SERIES - From R3,278

    Cost-effective in-hospital cover, essential chronic medicine cover and day-to-day benefits with a limited Above Threshold Benefit.

    priority plan

    SAVER SERIES - From R2,085

    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!

    saver plan

    CORE SERIES - From R1,681

    A value-for-money hospital plan that provides unlimited private hospital cover and essential cover for chronic medicine with no day-to-day cover.

    core plan

    SMART SERIES - From R1,400

    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.

    smart plan

    KEYCARE SERIES - From R914

    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.

    keycare plan

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    discovery health quote I want a quote

    Get an Affordable, Low-cost Discovery Health quote now!
    With a current market share of 53% in the open market in South Africa and one of the most secure medical aids, why look anywhere else!

    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.

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    Last update April 3, 2020

    Disclaimer and Medical Disclosure
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    Medical Aid Authority Peter Pyburn.
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