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

Discovery Gap Cover*
From only

R95

a month

Choose between Discovery Gap Comprehensive and Discovery Gap Core to cover shortfalls on approved in-hospital specialist claims and specific out-of-hospital costs related to an approved admission. 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 R150 000 applies to each person.

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 per person per year to cover shortfalls on approved cancer-related claims once you have reached your scheme’s oncology threshold. Your cover depends on the 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 Gap Cover* and Discovery Supplementary Gap
From only

R165

a month

Discovery Gap Cover and Discovery Supplementary Gap Cover are complementary insurance products designed to protect you against unexpected medical costs, or where you have a life-changing event.

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 per person per year to cover shortfalls on approved cancer-related claims once you have reached your scheme’s oncology threshold. 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.

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 Discovery 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.

Discovery Supplementary Gap Cover
From only

R70

a month

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%.

Gap cover is 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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