Our gap cover products

"I've had gap cover before with another company. With them it took me up to three months after I've been hospitalised to get my claim submitted. I've been on Discovery Gap Cover for less than a month. I was hospitalised in September. I didn't even submit an additional claim and I already received my money. Thank you very much. After an operation the last thing you want is to struggle with documents." - Discovery Gap Cover client, Nienke Nieuwenhuizen

Discovery Gap Cover and Discovery Supplementary Gap Cover

Unexpected medical costs, including when healthcare professionals charge more than what your medical scheme pays, or when you have a life-changing event, can place significant financial strain on your family.

Discovery Gap Cover

Covers tariff shortfalls on approved 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. Your cover depends on the Discovery Gap Cover option you choose. An overall annual limit of R157 500 applies to each person.

Discovery Supplementary Gap Cover

Provides lump-sum payouts, premium protection and home support when you need it most with an annual PayBack of your premiums of up to 25%.


Discovery Gap Cover

Discovery Supplementary Gap Cover

From R70 a month!

Starting at R70 a month for Discovery Supplementary Gap Cover and R95 a month for Discovery Gap Cover. Discovery’s Gap cover options supplement and extend certain health insurance options at a cost-effective premium.

Premiums are based on the individual’s circumstances and is in line with short-term insurance and long-term insurance pricing principles. There are certain requirements on application, and waiting periods may apply based on the health plan at the time of activating the cover.

For more information speak to your financial adviser or

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.

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