General exclusions
The Discovery Health Medical Scheme has certain exclusions. Discovery Health will not pay for healthcare services related to the following, except as stipulated in the Prescribed Minimum Benefits:
- Cosmetic procedures, for example otoplasty for bat-ears
- Portwine stains and blepharoplasty (eyelid surgery)
- Breast reductions and gynaecomastia
- Obesity
- Frail care
- Infertility
- Wilfully self-inflicted illness or injury
- Alcohol, drug or solvent abuse
- Wilful and material violation of the law or during a period of imprisonment
- Wilful participation in war, terrorist activity, riot, civil commotion, rebellion or insurrection
- Experimental, unproven or unregistered treatments or practices
- Search and rescue
- Any costs for which a third party is legally responsible
- CT angiogram of the coronary vessels and CT colonoscopy
We also do not cover the complications or the direct or indirect expenses that arise from any of the exclusions listed above.
If we apply waiting periods because you have never belonged to a medical scheme or have had a break in membership of more than 90 days before joining Discovery Health, you will not have access to the Prescribed Minimum Benefits during your waiting periods. This includes emergency admissions.
How to join Discovery Health
We market our Discovery Health Plans through independent and accredited financial advisors. If you want a financial advisor to help you choose a Health Plan to suit the needs of your family, please send us your contact details and we will contact you.
