"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
In-hospital Specialist Gap Cover gives you cover of up to 200% of the 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 additional gap cover of up to R20 000 per year, depending on your Discovery Vitality status, health plan type and family structure. 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.
On the Discovery Gap Comprehensive option, you get a Travel Benefit Extender which provides cover for shortfalls on approved emergency medical claims incurred while you travel outside of South Africa.
You also get the Scopes and Scans Benefit Extender which provides cover for co-payments and deductibles that apply to MRI and CT scans out-of-hospital, and for endoscopies performed in-hospital.
Discovery Supplementary Gap Cover
Provides you with a lump-sum payout of up to R550 000 on diagnosis of qualifying illnesses associated with high treatment costs, as well as assisting with funding for advanced genomic sequencing for certain cancers.
Covers your medical scheme, Discovery Vitality and gap cover premiums for up to two years in the event of 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.
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.