Insurance against additional, unexpected heath-related expenses
You employees already have medical scheme cover, but unexpected medical costs, including when healthcare professionals charge more than what their medical scheme pays, or when they have a life-changing event, can place significant financial strain on your employees and their families. Gap Cover from Discovery is a cost-effective solution that gives your employees additional financial protection against these unforeseen costs.
Discovery Gap Cover
Covers shortfalls on approved in-hospital specialist claims, specific out-of-hospital costs related to an approved hospital admission, and co-payments on approved cancer-related claims. Choose between two Discovery Gap Cover options to suit your needs.
Discovery Supplementary Gap Cover
Provides lump-sum payouts, premium protection and home support when your employees need it most with an annual PayBack of your premiums of up to 25%.
In-hospital Specialist Gap Cover pays you up to 200% of your medical scheme rate when your approved in-hospital specialist claim is higher than what your medical scheme pays your specialist.
The Hospital Admission Benefit Extender provides extra gap cover of up to R20 000 per year. It automatically covers gaps still experienced over and above what your medical scheme and In-hospital Specialist Gap Cover pays for.
If you select the Discovery Gap Comprehensive option, you will also be covered for shortfalls on specific out-of-hospital claims related to your authorised hospital admission.
Provides up to R100 000 a year for shortfalls on approved cancer-related claims once the medical scheme’s oncology threshold has been reached. Your cover depends on the Discovery Gap Cover option you choose.
Provides you with a lump-sum payout of up to R500 000 on diagnosis of qualifying illnesses associated with high treatment costs, as well as access to advanced genomic sequencing for certain cancers.
Covers your medical aid, Vitality and gap cover premiums for up to two years on death, disability or severe illness.
Pays you R10 000 every month for a year to assist you with the cost of home nursing and other medical needs, if you or your spouse suffer a qualifying life-changing event.
Pays back up to 25% of your premiums each year depending on your Vitality and/or Vitality drive status.
For more information, speak to your financial adviser or download the application form. Gap cover products are available to members of Discovery Health Medical Scheme excluding members on KeyCare plans. Discovery Gap Cover is a short-term insurance product, underwritten by Discovery Insure. Discovery Supplementary Gap Cover is a long-term insurance product, underwritten by Discovery Life and is a separate product that is not conditional on the purchase of Discovery Gap Cover. This is not a medical scheme and the cover is not the same as that of a medical scheme. These policies are not a substitute for medical scheme membership. This is a summary of the key benefits and features of Discovery Gap Cover and Discovery Supplementary Gap Cover.