Get financial protection against shortfalls in medical cover


Get up to 500% additional in-hospital specialist cover, starting from only R109 per month with Discovery Gap Cover

Discovery Gap Cover helps you cover unexpected medical costs, including when healthcare professionals charge more than what your medical scheme pays, or when you have a life-changing event.

Insuring you and your family are covered against additional, unexpected health-related expenses.

You can choose between the Discovery Gap Comprehensive and Core to suit your needs. You get cover for tariff shortfalls on in-hospital specialist claims, specific out-of-hospital costs related to an approved hospital admission and shortfalls on approved emergency international claims while travelling outside of South Africa. You also get cover for co-payments on approved endoscopies, MRI and CT scans, and cancer-related claims.


In- and out-of-hospital cover

Discovery Gap Cover gives you rich protection against shortfalls in medical scheme cover for specialist treatment received in-hospital and extended cover for specific shortfalls incurred out-of-hospital


Extended cover for scopes and scans

You get cover for co-payments and deductibles that apply to MRI and CT scans out-of-hospital and endoscopies performed in-hospital


Comprehensive cover for cancer

Discovery Gap Cover provides additional funding to help cover oncology co-payments. Discovery Supplementary Illness Benefit helps fund high-cost treatments and gives you access to advanced genomic sequencing for certain cancers.


International travel cover

Discovery Gap Comprehensive provides cover for shortfalls on approved international claims while you travel outside of South Africa


One simple claims process

With Discovery Gap Cover, claim payment is simple. Gaps in cover are identified, assessed and paid automatically when the medical scheme claim is processed.

Cover from R80 a month!

From as little as R80 a month for Discovery Supplementary Illness Benefit and R109 a month for Discovery Gap Core, Discovery's Gap Cover options give you cost-efficient and competitive protection against unforeseen costs.

Premiums are based on individual circumstances, according to pricing principles for short-term insurance and life insurance. There are certain requirements on application, and waiting periods may apply based on the health plan at the time of activating the Gap Cover.

For more information, speak to your financial adviser or

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