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Discovery Health's KeyCare Plan - the most popular, affordable medical aid option.

Premiums are based upon your income!

  • Do you wish you could afford medical aid, but find that it is just too expensive and complicated?
  • Are the more comprehensive plans way too expensive for you?
  • Is a basic hospital plan – without out of hospital cover – still more than you can afford?
  • And what if you need to see a doctor, not just hospital?
  • Do you need a medical aid where you can see the doctor as often as needed?
  • And do you want a plan that is easy to use?
  • That has no need to manage a complicated medical savings account when it comes to paying costs?
  • If you answered yes, here is the healthcare plan for you!


    keycare plusDiscovery Health's KEYCARE PLAN is South Africa's most popular, low-cost medical plan.

    In fact, it is bigger than some total medical aids. There must be a reason for that!
    With more than 400,000 beneficiaries – you’re in good company when you join.

    KeyCare is a network plan.

    That means that you are required to use private hospitals (in the KeyCare network of hospitals) and day-to-day providers (including GP's specialists and gynaecologists), who are linked to the scheme.

    By accepting this, you get a discounted premium!

    You get, unlimited hospitalisation, casualty benefit, GP visits, prescribed medicines and basic dentistry, optical and preventive screening tests and flu vaccines benefits!

    It is easy to understand and use, especially for those who are joining a medical scheme for the first time and don’t really understand the more complicated plans.

    KeyCare is different from all the other Discovery Health plans, designed to help those who earn a lower income have access to quality healthcare at a very affordable premiums.

    Your premium is based on your income, so the same benefits apply for every member - irrespective of your earning ability!

    You use the highest income of either adult member and then look at the relevant line in the quote. That is your premium.
    You need to prove your income by completing an income form and submitting 3-months payslips and bank statements.

    If you want unlimited private hospital cover and mostly unlimited day-to-day benefits - from day 1 - for an affordable premium then, THIS IS THE BEST PLAN FOR YOU!

    The plan is ideal for pensioners and families on a strict budget!
    Way better than any hospital insurance plan!


    KeyCare has 4 plan options

    (please see the brochures for a comprehensive explanation):


    keycare plusKeyCare Plus

    The most comprehensive plan, offering in and out of hospital benefits, through extensive hospital and GP networks.

  • You have life-threatening (car accident, stroke, heart attack etc.) and life-sustaining (cancer, kidney etc.) cover.
  • Unlimited hospital in our KeyCare Private Hospital Network.
  • Casualty visits are paid for with a small co-payment from you.
  • Guaranteed full cover in-hospital for KeyCare network specialists and up to 100% for other healthcare professionals.
  • Full chronic medicine on the KeyCare medicine list for all listed Chronic Disease conditions, using a network pharmacy or your chosen GP.
  • Comprehensive pre- and postnatal healthcare for maternity and early childhood.
  • Unlimited KeyCare networks cover for medically appropriate GP consultations, blood tests, X-rays, basic dentistry, eye care and medicine.
  • 2 doctor referred specialist visits per year.
  • Cancer treatment, chronic dialysis, and chronic medications, for 27 conditions are all provided through network providers.
  • Premiums start from R 1,207 pm



    startKeyCare Start

    Lower cost in and out of hospital benefits with a smaller hospital and GP network.

  • Full cover at your nominated KeyCare Start Network hospital.
  • Guaranteed full cover in-hospital for KeyCare network specialists and up to 100% for other healthcare professionals.
  • Chronic medication, chronic dialysis and cancer treatment, at state facilities.
  • Comprehensive pre- and postnatal healthcare for maternity and early childhood.
  • Unlimited KeyCare networks cover for medically appropriate, nominated GP consultations, blood tests, X-rays, basic dentistry, optometry and listed medicine.
  • Day surgeries and after-hours casualty care at your KeyCare Start GP are included.
  • 2 doctor referred specialist visits per year.
  • Premiums start from R 914 pm.

    List of network GP's in your area...



    coreKeyCare Core

    Only in-hospital benefits.

  • Unlimited hospital in the KeyCare Hospital Network.
  • Guaranteed full cover in-hospital for KeyCare network specialists and up to 100% of for other healthcare professionals.
  • 2 doctor referred specialist visits per year.
  • Full chronic medicine on the KeyCare medicine list for all Chronic Disease List conditions when you use a network pharmacy or your chosen GP.
  • Comprehensive pre- and postnatal healthcare for maternity and early childhood.
  • You pay all out of hospital expenses.
  • Premiums from R 949 pm.


    Just look at these Maternity benefits!

    1. Cover during your pregnancy and for two years after your baby’s birth
    2. Eight antenatal consultations with your gynaecologist, GP or midwife
    3. Two 2D ultrasound scans including one nuchal translucency test.
    4. 3D and 4D scans are paid up to the rate we pay for 2D scans
    5. A Non-Invasive Prenatal Test (NIPT) if you meet the clinical entry criteria
    6. A defined basket of blood tests
    7. 5 pre- or postnatal classes or consultations with a registered nurse
    8. Up to 2 GP visits, paediatrician or an ENT for your baby
    9. One 6-week post-birth consultation at your midwife, GP or gynaecologist
    10. One nutritional assessment at a dietitian
    11. Two mental health consultations with a counsellor or psychologist
    12. One lactation consultation with a registered nurse or lactation specialist

    Even more KeyCare benefits ...

  • Dental consultations, fillings and tooth removals.
  • Optometrist with a specific range of glasses/contacts every 2 years
  • Trauma Recovery benefit.
  • Mental Health benefit
  • Chronic dialysis benefit.
  • List of blood, urine and other fluid tests.
  • Basic x-rays.
  • Specialist GP's to help you manage your specific medical conditions - like HIV, hypertension, hyperlipidaemia and ischaemic heart disease, diabetes and mental health.
  • If you are at risk of developing or are diagnosed with cardiovascular disease or diabetes, KeyCare will provide you with goals, tailored to help you manage your health and track your progress!
  • Unlimited cover for cancer with a palliative care programme.
  • day to day

  • Screening and prevention benefits, important to ensure that medical conditions are detected early. This is for adults and children.
  • International second opinion services, Home-based care, Compassionate care.
  • Cover for Medical equipment like wheelchairs, wheelchair batteries and cushions, transfer boards and mobile ramps etc


  • vitalityVitality 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!

    KeyCare Plus

    Do you fall into one of the lower income bands where this option offers the most value for money?

    Do you have a large family who needs to see the doctor every other month?

    Are you petrified at the prospect of landing up in a government hospital?

    Then, become a member of the largest, fastest growing, best Network Medical Plan in South Africa today!

    You'll not find these benefits, for this cost anywhere.

    This is the best, cheapest medical aid available in South Africa!

    Guarantee you won't have to use state hospitals!


    quote I want a quote



    application

    Join now with the Keycare 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 Independent Financial Adviser and Medical Aid Broker.
    I market Discovery Health products and am not employed by them.

    You must consult the schemes/company product brochures and rules for comprehensive benefit descriptions.

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    Last update: January 6, 2020

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