The Saver Series

The Saver Plans offer you extensive in-hospital cover and a savings account for day-to-day benefits

 

You have access to additional benefits

Hospital Benefits

We cover you in hospital for emergency and planned hospital admissions. In an emergency, go straight to hospital but call us or get someone to call us within 12 hours. For planned hospital admissions, please call us 48 hours before you go to hospital to confirm your admission

Saver Series
Overall limitThere is no overall hospital limit on the Saver Plans
Limits apply to some healthcare services and procedures only
Choice of hospitalsThe Coastal Saver Plan* covers you in any private hospital in the coastal provinces
Procedures and consultations by specialists participating in direct payment arrangementsWe pay in full if you consult a specialist who charges the Premier Rate. If you are on a Classic Plan we cover a wider range of specialists in full
Other healthcare professionalsClassic Saver and Classic Delta Saver: We pay up to 200% of the Discovery Health Rate
Essential Saver, Classic Delta Saver and Coastal Saver: We pay up to 100% of the Discovery Health Rate
Radiology and pathologyWe cover these expenses in full up to the Discovery Health Rate
Endoscopies (gastroscopy, colonoscopy, sigmoidoscopy and proctoscopy)The first R2 200 of your hospital account is paid from your Medical Savings Account. We pay the balance of the hospital account and your related accounts from your Hospital Benefit.
MRI and CT scansAs part of an approved hospital admission: no overall limit
If admitted for conservative back and neck treatment: We pay the first R1 975 of the scan code from your Medical Savings Account. We pay the balance in full up to the Discovery Health Rate.**
DentistryThere is an overall limit of R13 100*** per person. The first R1 975 of your hospital account is paid from your Medical Savings Account. We pay the balance of the hospital account from your Hospital Benefit.**
Cochlear implants and auditory brain implants and processorsR126 000 for each person for each benefit
Internal nerve stimulatorsR96 000 for each person
Hip and knee joint prosthesesR31 500 for each prosthesis for each event
Prosthetic devices used in spinal surgeryR20 000 for each level, limited to two levels for each procedure, and one procedure for each person each year
Mental health benefit21 days for each person
Alcohol and drug rehabilitation21 days for each person
Terminal care benefitR23 400 for each person
DialysisWe cover these expenses in full as long as we have approved your treatment plan and you use a provider in our network

* On the Coastal Plan you must go to a hospital in one of the four coastal provinces for a planned hospital admission. If you don’t use these hospitals, Discovery Health will pay up to a maximum of 70% of the hospital account and you will need to pay the difference. This does not apply in an emergency.
** We pay all related accounts from the available funds in the Medical Savings Account. A related account is any approved account for expenses you incur during your hospital stay, other than the hospital account itself.
*** We pro-rate this benefit according to when you join the medical scheme. Your hospital account is paid up to this limit.

For more detailed information on how we cover specific healthcare services go to Do We Cover

The benefits described in this section are subject to clinical guidelines and policies.

Cover for day-to-day medical benefits

We pay for your day-to-day medical expenses like GP visits, x-rays and blood tests from your Medical Savings Account as long as you have money available.

Discovery Health pays claims for some day-to-day expenses to make the money in your Medical Savings Account last longer.

Day-to-day benefits

 
Professional services
General practitioners*These expenses are limited to available funds in your Medical Savings Account
Specialists
Allied healthcare professionals (for example physiotherapists, chiropractors, occupational and speech therapists)
Radiology and pathology
Mental health benefit (including psychologists and psychiatrists)
Private nursing
Antenatal classes
Pregnancy scans (Up to two 2D scans for each pregnancy. 3D scans covered as 2D scans)
Dentistry
Endoscopies (gastroscopy, colonoscopy, sigmoidoscopy and proctoscopy) in your doctor’s roomsThere is no limit on these health services. Discovery Health pays for these claims without using your Medical Savings Account.
MRI and CT scansThere is no overall limit. The first R1 975 of your scan code is paid from available funds in your Medical Savings Account. We cover the balance in full at the Discovery Health Rate.
Medicine
Prescribed medicine (schedule 3 and above)
Over-the-counter medicine, including prescribed schedule 0, 1 and 2 medicine and lifestyle enhancing products
The claims for these expenses are limited to available funds in your Medical Savings Account.
Appliances and equipment
External medical items
Hearing aids
Optical (includes cover for spectacles, frames, contact lenses and surgery to correct refractive errors of the eye, eg excimer laser)
The claims for these expenses are limited to available funds in your Medical Savings Account.

* Any time that you have no day-to-day benefi ts available and you visit a GP in our network, you will only pay a portion of the consultation fee from your pocket, while Discovery Health pays the balance.
** We pro-rate this benefit according to when you join the medical scheme.

Annual Medical Savings Account amounts

 Main memberAdultPer child (to a maximum of three)
Classic SaverR4 212R3 312R1 680
Essential SaverR2 004R1 500R792
Coastal SaverR3 252R2 436R1 308
Classic Delta SaverR3 360R2 652R1 344
Essential Delta SaverR1 596R1 200R636
 

2010 Monthly contributions

Family sizeClassic SaverEssential SaverCoastal SaverClassic Delta SaverEssential Delta Saver
Main memberR1 404R1 116R1 086R1 122R892
Adult dependantR1 105R836R813R884R669
Child *R562R445R437R449R356

* We count a maximum of three children when we work out the monthly contribution.

General exclusions

Discovery Health does not cover certain healthcare services. You can find a full list of these exclusions here.

How to join Discovery Health

We market our Discovery Health Plans through independent and accredited financial advisers. If you want a financial adviser 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.