Hospitalisation
What is a medical emergency?
A medical emergency is the sudden, unexpected onset of a health condition that needs immediate medical or surgical treatment. If this treatment is not provided the person’s life would be at risk or result in serious impairment or dysfunction of an organ or body part or would place the person's life in serious jeopardy in line with the Scheme's rules.
Executive Plan
Cover for medical emergencies
Call Discovery 911 on 0860 999 911 – this number is displayed on your membership card and car sticker for easy reference.
If you need medically equipped transport, for example an ambulance or helicopter for a medical emergency, we will cover the costs from your Hospital Benefit, whether you are admitted to hospital or not.
We will cover your emergency admission in full as a Prescribed Minimum Benefit in whatever hospital you are admitted to. A Prescribed Minimum Benefit is the minimum amount of cover that any medical scheme is obliged to offer. Once you have been stabilised we will arrange a transfer to our Designated Service Provider or DSP (our choice of hospital provider or healthcare professional) for your cover to continue in full. You may choose to stay in the non-DSP hospital and have your claims paid according to your plan type, but you may have to pay an amount.
We cover HIV medicines
If you need HIV medicine to prevent HIV infection from mother-to-child transmission, occupational or traumatic exposure to HIV or sexual assault, call us on 0860 99 88 77.
Cover for going to casualty
If you are admitted to hospital from casualty, we will cover the costs of the casualty visit from your, available day-to-day benefits. Some casualty charge a facility fee which we do not cover. If you go to a casualty or emergency room and you are not admitted to hospital, we will pay the costs from your day-to-day benefits. Some casualties charge a facility fee, which we do not cover.
More about casualty cover
Cover while travelling overseas
The International Travel Benefit provides cover of up to R10 million for each person on each journey for emergency medical costs while you travel outside South Africa. This cover is for a period of 90 days from your departure from South Africa. Cover includes appropriate emergency evacuation and transport if needed. You pay the first €100 or US$150 of day to-day medical expenses.
Please find out how the International Travel Benefit works before you travel overseas and also read the scheme exclusions. Contact us to get detailed information.
Cover for evacuation in Africa
The Africa Evacuation Benefit covers you for emergency medical evacuations from certain African countries back to South Africa. Call us before travelling on 0860 99 88 77 to get a list of African countries this benefit covers and the details of the cover before.
All emergency treatments outside the borders of South Africa must be confirmed by calling International SOS on + 27 11 541 1222. This number is displayed on your membership card.
Read more about the Africa Evacuation Benefit
Comprehensive Plans
Cover for medical emergencies in South Africa
Call Discovery 911 on 0860 999 911 – this number is displayed on your membership card and car sticker for easy reference. If you need medically equipped transport, for example an ambulance or helicopter for a medical emergency, we will cover the costs from your Hospital Benefit, whether you are admitted to hospital or not.
We will cover your emergency admission in full as a Prescribed Minimum Benefit in whatever hospital you are admitted to. A Prescribed Minimum Benefit is the minimum amount of cover that any medical scheme is obliged to offer. Once you have been stabilised we will arrange a transfer to our Designated Service Provider or DSP (our choice of hospital provider or healthcare professional) for your cover to continue in full. You may choose to stay in the non-DSP hospital and have your claims paid according to your plan type but you may have to pay an amount.
We cover HIV medicines
If you need HIV medicine to prevent HIV infection from mother-to-child transmission, occupational and traumatic exposure to HIV or sexual assault, call us on 0860 99 88 77.
Cover for going to casualty
If you are admitted to hospital from casualty, we will cover the costs of the casualty visit from your Hospital Benefit, as long as we confirm your admission.
If you go to a casualty or emergency room and you are not admitted to hospital, we will pay the costs from your day-to-day benefits. Some casualties charge a facility fee, which we do not cover.
More about casualty cover
Cover while travelling overseas
The International Travel Benefit provides cover of up to R5 million for each person on each journey for emergency medical costs while you travel outside South Africa. This cover is for a period of 90 days from your departure from South Africa. Cover includes appropriate emergency evacuation and transport if needed. You pay the first €100 or US$150 of day-to-day medical expenses.
Please find out how the International Travel Benefit works before you travel overseas and also read the scheme exclusions. Contact us to get detailed information.
Cover for evacuation in Africa
The Africa Evacuation Benefit covers you for emergency medical evacuations from certain African countries back to South Africa. Call us before travelling on 0860 99 88 77 to get a list of African countries this benefit covers and the details of the cover before.
All emergency treatments outside the borders of South Africa must be confirmed by calling International SOS on + 27 11 541 1222. This number is displayed on your membership card.
Read more about the Africa Evacuation Benefit
Priority Plans
Cover for medical emergencies in South Africa
Call Discovery 911 on 0860 999 911 – this number is displayed on your membership card and car sticker for easy reference. If you need medically equipped transport, for example an ambulance or helicopter for a medical emergency, we will cover the costs from your Hospital Benefit, whether you are admitted to hospital or not.
We will cover your emergency admission in full as a Prescribed Minimum Benefit in whatever hospital you are admitted to. A Prescribed Minimum Benefit is the minimum amount of cover that any medical scheme is obliged to offer. Once you have been stabilised we will arrange a transfer to our Designated Service Provider or DSP (our choice of hospital provider or healthcare professional) for your cover to continue in full. You may choose to stay in the non-DSP hospital and have your claims paid according to your plan type, but you may have to pay an amount.
We cover HIV medicines
If you need HIV medicine to prevent HIV infection from mother-to-child transmission, occupational or traumatic exposure to HIV or sexual assault, call us on 0860 99 88 77.
Cover for going to casualty
If you are admitted to hospital from casualty, we will cover the costs of the casualty visit from your Hospital Benefit, as long as we confirm your admission.
If you go to a casualty or emergency room and you are not admitted to hospital, we will pay the costs from your day-to-day benefits. Some casualties charge a facility fee, which we do not cover.
More about casualty cover
Cover while travelling overseas
The International Travel Benefit provides cover of up to R5 million for each person on each journey for emergency medical costs while you travel outside South Africa. This cover is for a period of 90 days from your departure from South Africa. Cover includes appropriate emergency evacuation and transport if needed. You pay the first €100 or US$150 of day-to-day medical expenses.
Please find out how the International Travel Benefit works before you travel overseas and also read the scheme exclusions. Contact us to get detailed information.
Cover for evacuation in Africa
The Africa Evacuation Benefit covers you for emergency medical evacuations from certain African countries back to South Africa. Call us before travelling on 0860 99 88 77 to get a list of African countries this benefit covers and the details of the cover before.
All emergency treatments outside the borders of South Africa must be confirmed by calling International SOS on + 27 11 541 1222. This number is on your membership card.
Read more about the Africa Evacuation Benefit
Saver Plans
Cover for medical emergencies in South Africa
Call Discovery 911 on 0860 999 911 – this number is displayed on your membership card and car sticker for easy reference. If you need medically equipped transport, for example an ambulance or helicopter for a medical emergency, we will cover the costs from your Hospital Benefit, whether you are admitted to hospital or not.
Emergency care
We will cover your emergency admission in full as a Prescribed Minimum Benefit in whatever hospital you are admitted to. A Prescribed Minimum Benefit is the minimum amount of cover that any medical scheme is obliged to offer. Once you have been stabilised we will arrange a transfer to our Designated Service Provider or DSP (our choice of hospital provider or healthcare professional) for your cover to continue in full. You may choose to stay in the non-DSP hospital and have your claims paid according to your plan type, but you may have to pay an amount.
We cover HIV medicines
If you need HIV medicine to prevent HIV infection from mother-to-child transmission, occupational or traumatic exposure to HIV or sexual assault, call us on 0860 99 88 77.
Cover for going to casualty
If you are admitted to hospital from casualty, we will cover the costs of the casualty visit from your Hospital Benefit, as long as we confirm your admission.
If you go to a casualty or emergency room and you are not admitted to hospital, we will pay the costs from your day-to-day benefits. Some casualties charge a facility fee, which we do not cover.
More about casualty cover
Cover while travelling overseas
The International Travel Benefit provides cover of up to R5 million for each person on each journey for emergency medical costs while you travel outside South Africa. This cover is for a period of 90 days from your departure from South Africa. Cover includes appropriate emergency evacuation and transport if needed. You pay the first €100 or US$150 of day-to-day medical expenses. Please find out how the International Travel Benefit works before you travel overseas.
Please find out how the International Travel Benefit works before you travel overseas and also read the scheme exclusions. Contact us to get detailed information.
Cover for evacuation in Africa
The Africa Evacuation Benefit covers you for emergency medical evacuations from certain African countries back to South Africa. Call us before travelling on 0860 99 88 77 to get a list of African countries this benefit covers and the details of the cover before.
All emergency treatments outside the borders of South Africa must be confirmed by calling International SOS on + 27 11 541 1222. This number is on your membership card.
Read more about the Africa Evacuation Benefit
Core Plans
Cover for medical emergencies in South Africa
Call Discovery 911 on 0860 999 911 – this number is displayed on your membership card and car sticker for easy reference. If you need medically equipped transport, for example an ambulance or helicopter for a medical emergency, we will cover the costs from your Hospital Benefit, whether you are admitted to hospital or not.
Emergency care
We will cover your emergency admission in full as a Prescribed Minimum Benefit in whatever hospital you are admitted to. A Prescribed Minimum Benefit is the minimum amount of cover that any medical scheme is obliged to offer. Once you have been stabilised we will arrange a transfer to our Designated Service Provider or DSP (our choice of hospital provider or healthcare professional) for your cover to continue in full. You may choose to stay in the non-DSP hospital and have your claims paid according to your plan type, but you may have to pay an amount.
We cover HIV medicines
If you need HIV medicine to prevent HIV infection from mother-to-child transmission, occupational or traumatic exposure to HIV or sexual assault, call us on 0860 99 88 77.
Cover for going to casualty
If you are admitted to hospital from casualty, we will cover the costs of the casualty visit from your Hospital Benefit, as long as we confirm your admission.
If you go to a casualty or emergency room and you are not admitted to hospital, you need to pay for the costs.
More about casualty cover
Cover while travelling overseas
The International Travel Benefit provides cover of up to R5 million for each person on each journey for emergency medical costs while you travel outside South Africa. This cover is for a period of 90 days from your departure from South Africa. Cover includes appropriate emergency evacuation and transport if needed. You pay the first €100 or US$150 of day-to-day medical expenses. Please find out how the International Travel Benefit works before you travel overseas.
Please find out how the International Travel Benefit works before you travel overseas and also read the scheme exclusions. Contact us to get detailed information.
Cover for evacuation in Africa
The Africa Evacuation Benefit covers you for emergency medical evacuations from certain African countries back to South Africa. Call us before travelling on 0860 99 88 77 to get a list of African countries this benefit covers and the details of the cover before.
All emergency treatments outside the borders of South Africa must be confirmed by calling International SOS on + 27 11 541 1222. This number is on your membership card.
Read more about the Africa Evacuation Benefit
KeyCare Plans
Cover for medical emergencies in South Africa
Call Discovery 911 on 0860 999 911 – this number is displayed on your membership card and car sticker for easy reference.
If you need medically equipped transport, for example an ambulance or helicopter for a medical emergency, we will cover the costs from your Hospital Benefit, whether you are admitted to hospital or not.
Emergency care
We will cover your emergency admission in full as a Prescribed Minimum Benefit in whatever hospital you are admitted to. A Prescribed Minimum Benefit is the minimum amount of cover that any medical scheme is obliged to offer. Once you have been stabilised we will arrange a transfer to our Designated Service Provider or DSP (our choice of hospitals or healthcare professionals) for your cover to continue in full. You may choose to stay in the non-DSP hospital and have your claims paid according to your plan type but you may have to pay an amount.
Cover for going to casualty
If you are admitted to hospital directly from casualty, we will cover the costs of the casualty visit from your Hospital Benefit at the Discovery Health Rate, as long as we confirm your admission. You can go to any casualty unit at one of the KeyCare network hospitals. You have to pay the first R185 of the casualty account if you are not admitted to hospital from casualty
You must call us at the time of the incident to confirm your benefits and Discovery will provide you with an authorisation number. If you do not call us, your accounts will not be covered.
KeyCare Core members do not have cover in a casualty unit.
We cover HIV medicines
If you need HIV medicine to prevent HIV infection from mother-to-child transmission, occupational or traumatic exposure to HIV or sexual assault, call us on 0860 99 88 77.
