Medical Aid KeyCare
The Benefits of a Low-cost, Network Medical Aid
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Affordable with excellent benefits.
Reasons why it is the most popular plan in South Africa.
Frequently Asked Questions: KeyCare Medical Aid
1. Are you finding medical aid is difficult to understand and too expensive?Many people, like you, find medical aid difficult to understand costly. However, KeyCare from Discovery Health offers easy to understand benefits and has a premium based on your income, so it is available to everyone. It is ideal for first-time medical aid members as well as pensioners. It offers affordability and more than adequate benefits.
2. Is a comprehensive medical aid too expensive?
Comprehensive medical aid is expensive and many members need to look for more affordable plans. KeyCare is an ideal plan to consider as it offers excellent, comprehensive benefits at affordable income-related premiums.
It ensures that most members and families can get a medical aid they can afford.
3. Do you want to use private hospitals?
Admission to private hospitals is a necessity in South Africa. KeyCare provides all the benefits of private hospitalisation at a much lower cost when compared to other plans. You do need to use listed providers, but with an extensive network, you can easily get access to quality healthcare -when you need it.
4. Do you often need to see a doctor?
Visits to the doctor are essential for good health, but the cost of those consults adds up quickly. If you use a GP often, KeyCare is you answer, because it gives you unlimited network GP visits, whether for routine check-ups, managing chronic conditions, or emergencies.
5. Do you want a medical aid that is easy to understand and use?
Medical aid is notorious for “fine print.” But KeyCare is simple understand and use. It has clear benefits and rules, from finding a provider, submitting claims, or understanding the benefits. Their “user-friendly” approach makes this medical aid simple and stress-free for members.
Looking for medical aid that is affordable but has good benefits and limits?
- Is medical aid, just too expensive and complicated?
- Are comprehensive plans way too expensive?
- Do you want to use private hospitals?
- Do you need to see the doctor as often as needed?
- Do you want a plan that is easy to use?
If you answered yes to any of these questions, then it is time you join the most popular plan in South Africa!
Why People Prefer KeyCare.
KeyCare is an affordable medical aid offering private hospitalisation, day-to-day and chronic illness benefits. 350,000 beneficiaries cannot be wrong:
- Income-based Premium: all members receive the same benefits, regardless of what you earn. This income-based approach ensures fairness and accessibility for everyone.
- Attractive Option for individuals and families on a budget, offering comprehensive benefits without financial strain.
- Extensive Provider Network: you are sure to find providers you can easily access for treatment.
- Comprehensive Benefits including unlimited hospitalisation, casualty benefits, GP visits, prescribed medicines, basic dentistry, optical services, preventive screening tests, and flu vaccine benefits.
You have access private healthcare services at a lower cost compared to other plans. - Simple, easy to understand and use, particularly suitable for those who are new to medical aid.
- Ideal for pensioners on a strict budget, providing access to quality healthcare services.
Affordable Premiums.
KeyCare plans are generally considered one of the more affordable medical aid options in the market.
They are suitable for individuals seeking affordable healthcare excellent benefits and service.
Premiums are based on your income (which you need to prove). They are recommended for low income earners and pensioners.
KeyCare has 4 plans to choose from:
1. Keycare Plus: Comprehensive in and out-of-hospital benefits.
Premiums start from R 1,652 pm.
2. Keycare Start: Lower cost option with a smaller provider network
Premiums start from R 1,1239 pm.
3. Keycare Start Regional: Specific regions with day-to-day healthcare benefits
Premiums start from R 1,102 pm.
4. Keycare Core: In-hospital only benefits.
Premiums range from R 1,286 pm.
You to choose a plan that meets your healthcare needs and budget
And is way better than any hospital insurance plan!
The Benefits KeyCare offers
Hospital Benefits- Unlimited hospital cover in the KeyCare hospital network.
- Listed In-hospital specialists paid in full. Others at the Discovery rate.
- Full cover for life-threatening emergencies.
Chronic Illness Benefits
- 27 conditions covered using listed providers.
- Guaranteed full cover for listed chronic medicines
- Specialised Medicine and Technology Benefit covering specific new treatments and medicine.(Start plan from state facility.)
- Condition specific care programmes for diabetes, mental health, HIV and heart conditions.
Out of hospital Benefits
- Unlimited network GP visits with an allocated doctors.
- Nurse-led consultations at Unjani and/or netclinic, video call consultations with a GP, and referral for a face-to-face consultation where needed.
- Specialist benefit
- Blood, urine and other fluid and tissue tests
- Basic x-rays
- Day-to-day medicine
- Essential dentistry and Optical
- Casualty visits
- Cover for a defined list of procedures performed in specialist rooms.
- Unlimited cover for Prescribed Minimum Benefit (PMB) oncology treatment within the network.
80% of Discovery rate for non-network providers.
KeyCare Start and KeyCare Start Regional treatment is covered in a state facility.
Maternity Benefits
- Comprehensive maternity benefits, including prenatal and postnatal care, ensuring support for mothers and their newborns during critical health periods.
- Babies under the age of 2 years are covered for 2 visits to a GP, paediatrician or an ear, nose and throat specialist.
- Cover for between 8 to 12 visits (including the urine dipstick) at your gynaecologist, GP or midwife, depending on your plan.
- Cover for up to two 2D ultrasound scans or one 2D ultrasound scan and one nuchal translucency test.
- 1 non-invasive prenatal test (NIPT) or T21 chromosome test if you meet the clinical entry criteria, and/or amniocentesis or chorionic villus sampling (CVS).
- Up to five pre- or postnatal classes (including online classes) up until two years after birth,
- Cover for your delivery from your Hospital Benefit once your delivery is preauthorised and approved.
- Benefits for home births, water birth in hospital or birthing home deliveries.
- Benefits for healthcare services for you and your baby for up to two years after birth.
Screening and Prevention Benefits
- Screening for children.
Height/weight, head measurement, health and milestone tracking. - Screening for adults.
Blood glucose, blood pressure, cholesterol, body mass index and HIV. Mammogram or breast ultrasound, Pap smear or HPV test, PSA test, Bowl cancer screening.
Wellth fund that unlocks up to R 10,000 for discretionary benefits by having a health check.
Comprehensive palliative care programme.
Disease Prevention Programme.
Home Care benefits.
Digital Health care -Speak to a GP, musculoskeletal recovery support and digital therapeutics for depression.
Personalised health pathways to improve health wherever and whenever you need it and it offers rewards for completing best actions.
Second opinion services from Cleveland Clinic for life-threatening and life-changing conditions.
Trauma Recovery Extender Benefit extends your cover for out-of-hospital claims related to certain traumatic events.
Value Added Offers like:
- Healthy Care to get savings on a vast range of personal and family care products at any Clicks or Dis-Chem.
- 20% discount for frames and lenses at an optometrist in your plan’s network of optometrists
- Wxclusive offer with Netcells that gives expectant parents the opportunity to cryogenically store their newborn baby’s umbilical cord blood and tissue stem cells.
- Access to a digital community of patients living with the same illness to help manage your condition.
- diagnose symptoms and talk to a doctor, or request emergency assistance.
- Order medicine for delivery.
- Seamlessly manage your medical aid plan – find healthcare providers, submit and track claims, monitor benefits and more.
- Access personalised health and wellness recommendations based on your unique health profile.
- Panic button for emergency medical care.
- 1 virtual, urgent care session per person per year, subject to clinical entry criteria.
- Mental Health support programmes.
Private healthcare providers can charge up to 500% of medical scheme rates.Medical aids add procedure co-payments as well.
These are significant costs you must consider.
Protect yourself by joining Zest's GAP or top-up insurance plan.
This separate insurance will cover most in-hospital claim shortfalls and any co-payments. It is a vital safety net, ensuring you have enough to cover medical treatments, without having to pay for unexpected costs.Protect yourself from soaring medical expenses by bridging the gap between medical scheme rates and the charges imposed by private providers.
Specialised Dental treatments can be extremely expensive!
The costs of braces, root canal, implants and so on, can run into thousands of rand.Most treatments are done out-of-hospital, and are paid from your savings.
That can result in less money available for other medical needs and family limits being used on one member only!
Dental treatment is something we all need and it is vital you consider the Best Dental Insurance Plan
OR Most Affordable Dental Plan in South Africa.
No Medical Aid or have a Hospital Plan only?
This plan will help you meet the high costs of both normal and specialised dentistry!
Vitality is the best wellness programme that encourages, facilitates and rewards you as you get healthier.Get points for using Vitality and increase your discounts and benefits!
Use the Discovery Credit Card and get rewarded every time you use it!
Join a medical scheme where you will have no complaints about having run out of medical savings!
You'll not find these benefits, for this cost anywhere.
This is the best, cheapest medical aid available in South Africa!Join now using the Discovery application and instructions on completing it!
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!
I am an Affiliated Independant Financial Adviser and Medical Aid Broker.
I market Discovery Health products and am not employed by them.
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Last verified: July 9, 2025