Discovery Gap Cover

From as little as R49 a month, you get financial protection from life changing events.

Active

From R49

An overall annual limit of R210,580 applies to each person

In-hospital specialist claims

Provides cover of up to 100% of the medical scheme rate

Hospital admission

Helps ease the financial stress of a hospital stay. If you're on the medical scheme's Active Smart Plan and need a procedure that is not a Prescribed Minimum Benefit (PMB), the Discovery Gap Active plan covers the R7,500 deductible you would have to pay. This is if you still have funds available in your overall yearly Gap Cover limit.

Core

From R157

An overall annual limit of R210,580 applies to each person

In-hospital specialist claims

Provides cover of up to 250% of the medical scheme rate

Hospital admission

Up to R 7,500 extra gap cover for approved specialist claims in-hospital, filling the shortfalls that remain.

Oncology

Up to R75,000 yearly for approved cancer-related claims after hitting your medical scheme's oncology threshold.

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Comprehensive

From R248

An overall annual limit of R210,580 applies to each person

In-hospital specialist claims

Provides additional cover of up to 500% of the medical scheme rate

Hospital admission

Up to R15,000 extra gap cover for approved specialist claims in-hospital, filling the shortfalls that remain.

Oncology

Up to R100,000 yearly for approved cancer-related claims after hitting your medical scheme's oncology threshold.

Scopes and scans

Cover for co-payments and deductibles that apply to MRI and CT scans out-of-hospital, and for endoscopies performed in-hospital.

Travel benefit

Cover for shortfalls on approved emergency medical claims incurred while you travel outside of South Africa.

Maternity claims

Covers shortfalls where certain third-trimester maternity claims are higher than the amount covered by your medical scheme's maternity benefit

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Premiums are based on the individual's circumstances and is in line with short-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. Gap cover is available to members of Discovery Health Medical Scheme excluding members on KeyCare plans. 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. This 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 Active is subject to FSCA approval.