Keycare Medical Aid from Discovery Health has excellent benefits and an affordable premium based on your income.
- 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, then it is time you join the most popular plan in South Africa!
KeyCare is a network plan where you only use listed private hospitals and day-to-day providers (including GP's specialists and gynaecologists).
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 an easy to understand and use plan, especially for those who are joining a medical aid for the first time.KeyCare is designed to help those who earn a lower income have access to private healthcare at a very affordable premiums.
Your premium is based on what you earn, so the same benefits apply for every member - irrespective of your earning ability!
You do need to prove your income, to get the rate you deserve.The plan is ideal for pensioners and families on a strict budget!
Way better than any hospital insurance plan!
KeyCare has 3 plan options:
- KEYCARE PLUS
- KEYCARE START
- KEYCARE CORE (in hospital only)
- Life-threatening (car accident, stroke, heart attack etc.) and life-sustaining (cancer, kidney etc.) cover.
- Unlimited listed hospital benefits.
- Casualty visits with a small co-payment.
- Guaranteed full cover in-hospital for KeyCare network specialists and up to 100% for other healthcare professionals.
- Full chronic medicine on the 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.
Premiums start from R 1,279 pm.
List of network GP's in your area...
- Full cover in a nominated 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 968 pm.
List of network GP's in your area...
- Unlimited listed hospital benefits.
- Guaranteed full cover in-hospital for KeyCare network specialists and up to 100% of for other healthcare professionals.
- Casualty visits with a small co-payment.
- 2 doctor referred specialist visits per year.
- Full listed chronic medicine for all Chronic Disease List conditions.
- Comprehensive pre- and postnatal healthcare for maternity and early childhood.
- You pay all out of hospital expenses.
Premiums from R 1,005 pm.
I want a quote.
Just look at these KeyCare Maternity benefits!
- Cover during your pregnancy and for two years after your baby’s birth
- Eight antenatal consultations with your gynaecologist, GP or midwife
- Two 2D ultrasound scans including one nuchal translucency test.
- 3D and 4D scans are paid up to the rate we pay for 2D scans
- A Non-Invasive Prenatal Test (NIPT) if you meet the clinical entry criteria
- A defined basket of blood tests
- 5 pre- or postnatal classes or consultations with a registered nurse
- Up to 2 GP visits, paediatrician or an ENT for your baby
- One 6-week post-birth consultation at your midwife, GP or gynaecologist
- One nutritional assessment at a dietitian
- Two mental health consultations with a counsellor or psychologist
- 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.
- 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
Some plans pay claims at 200% or 300% of medical aid rates, offering you a lower claim shortfall, but these are more expensive.
Increasingly, plans also have procedure co-payments, which you have to fund.
You are strongly advised to consider a GAP or TOP UP insurance plan to address these threats.
This separate insurance plan will cover most in-hospital claim shortfalls and scheme co-payments.
By adding a Top Up plan you can improve your medical aid benefits, so-much-so, that you can even consider joining a lower cost/benefit plan - with a lower premium - and still have an excellent, no risk medical aid for virtually the same premium as the higher medical aid!
The costs of braces, root canal, implants and so on, can run into thousands of rand. Most treatments are done out of hospital, so are funded 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 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!
Example of a SINGLE member premium rate:
| KeyCare PLUS |
| Earn R 0 to R 8,550 pay R 1,207 |
| Earn R 8,551 to R 13,800 pay R 1,659 |
| Earn R 13,801+ pay R 2,450 |
| KeyCare START |
| Earn R 0 to R 9,150 pay R 914 |
| Earn R 9,151 to R 13,801 pay R 1,538 |
| Earn R 13,051+ pay R 2,394 |
| KeyCare CORE |
| Earn R 0 to R 8,550 pay R 949 |
| Earn R 8,551 to R 13,800 pay R 1,183 |
| Earn R 13,801+ pay R 1,809 |
Ask yourself:
- 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?
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!
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.
You must consult the schemes/company product brochures and rules for comprehensive benefit descriptions.
Send me your questions and concerns. I'll answer them for you.
We have a Facebook page as well ...
You must consult the schemes/company product brochures and rules for comprehensive benefit descriptions.
Medical aid pays healthcare costs.
What if a disability STOPS your income?
Last update: July 16, 2021
MedBioWorld: one of the largest Internet sites for medical and biotechnology journals, associations, databases and other resources.
Disclaimer, Medical Disclosure
By submitting an enquiry you agree to us collecting the information in the fields above. Please refer to our POPI Manual.
Your data will be processed according to the Protection of Personal Information Act (POPIA) guidelines.
Medical Aid AuthorityPeter Pyburn.
South African rights reserved.