Discovery Gap Cover is now in your banking app
August 2026
Cover that bridges the gap: Discovery Gap Cover is now in your banking app
Be prepared for the unexpected. Discovery Health Medical Scheme members can activate Discovery Gap Cover directly in their banking app.
Your medical scheme gives you valuable cover, but certain in-hospital and other costs may still result in a shortfall. Now Discovery Gap Cover is available directly in the Discovery Bank app: a smart, affordable way to close that gap, right alongside the rest of your Discovery world.
Why this matters
Discovery Gap cover is cost-effective extra protection against the shortfalls that may catch you off guard, from a specialist bill that's higher than expected to the co-payments on scopes and scans. It works quietly in the background: there's no separate claim to submit. Once your medical scheme has processed a claim, Discovery automatically identifies any qualifying shortfalls and pays it.
Just to be clear: Discovery Gap cover is an insurance product, not a medical scheme, and it doesn't replace your medical scheme membership. Think of it as an additional layer of protection on top of the cover you already have.
What you're covered for
- Specialist shortfalls in hospital when an approved claim is higher than what your scheme pays.
- Scopes and scans, including co-payments and deductibles on out-of-hospital MRI and CT scans, and digestive endoscopies.
- Maternity shortfalls within your third trimester.
- Comprehensive cancer cover, with additional funding towards oncology co-payments.
- International travel cover for approved emergency medical claims while you're outside South Africa.
Three options, find one that suits your life
Choose the level of cover that suits your needs and your budget. Premiums displayed are for a single member, per month.
| Feature | Gap Active | Gap Core | Gap Comprehensive |
|---|---|---|---|
| From (per month) | R53 | R171 | R270 |
| In-hospital specialist cover | Up to 100% of scheme rate over and above what the medical scheme pays | Up to 250% of scheme rate over and above what the medical scheme pays | Up to 500% of scheme rate over and above what the medical scheme pays |
Your Discovery Gap Cover premium depends on which Discovery Gap Cover option you choose, the medical scheme plan that you are on, whether you are a single member or a family, and the age that the oldest member on your plan will turn at their next birthday after the application.
Read more about Discovery Gap Cover.
Getting started is simple
If you're a Discovery Health Medical Scheme member, you can activate gap cover in a few taps in the Discovery Bank app:
- Log in and tap the product menu at the top of your Home screen.
- Tap Health then tap the Gap Cover tile.
- Choose to Get a quote immediately or opt for a call back from a Discovery Health consultant.
Good to know
- Only Discovery Health Medical Scheme members qualify; KeyCare plans are excluded.
- A three-month general waiting period applies, along with a 12-month waiting period for pre-existing conditions and specific procedures.
- Switching from another gap cover provider with less than a 90-day break? Some waiting periods may not apply.
Ready to bridge the gap?
Open the Discovery Bank app and add Discovery Gap Cover today. Because peace of mind shouldn't have a gap in it.
Discovery Gap Cover is an insurance product. It is not a medical scheme and the cover is not the same as that of a medical scheme. This policy is not a substitute for medical scheme membership. Discovery Gap Cover is a non-life insurance policy, underwritten by Discovery Insure Ltd, registration number 2009/011882/06, a licensed insurer and an authorised financial services provider. Terms, conditions, waiting periods and limits apply. Premiums quoted are "from" prices for a single member and may vary based on your profile.