Make everyday a healthier, more rewarding one
Get comprehensive life insurance with Discovery to keep you financially secure - no matter what stage of life you're in.
Benefits to enhance your cover
Protect yourself financially if you become severely ill
We will pay out a lump sum if you suffer from a severe illness.
Protect your income if you become unable to work
We will pay you a monthly amount if you're unable to work due to injury or illness.
Protect yourself financially if you become disabled
We will pay out a lump sum if you become disabled.
Protect your children's education
We will fund your children's education in the event of your death, disability or severe illness.
Additional benefits to provide further financial protection
Medical Premium Waiver
The Medical Premium Waiver covers your family's Discovery Health Medical Scheme contributions for up to 10 years if you die, become disabled or suffer a severe illness. This benefit will cover the contributions for the remaining lives on your health plan and will increase in line with the medical scheme contribution increase, up to a maximum of 20% each year.
Global Health Protector
The Global Health Protector ensures that you and your family are covered for a number of medical procedures that either cannot be performed in South Africa, or have a greater success rate if performed in the USA. The Global Health Protector will cover the cost of medically necessary healthcare procedures and medication in the USA. It will also cover the costs of transporting you and, if medically necessary, a family member, organ donor, nurse or doctor to the medical facility. We've partnered with an extensive network of leading hospitals and centres of excellence in the USA to ensure that the full procedure, including surgical and medical treatments and organ transplants, will be covered. An overall lifetime limit of $1 million per insured family member applies.
Supplementary Gap Cover
Discovery's Supplementary Gap Cover provides lump-sum payouts and a premium protector to ensure that you and your family have sufficient protection for defined conditions associated with high-cost breakthrough medical treatments. Supplementary Gap Cover offers a range of unique benefits:
- Medical Breakthrough Funder: Pays out a tax-free lump sum of up to R550 000 on diagnosis of specified cancers and other illnesses that are typically associated with high treatment costs. You can be covered for future unrelated conditions, subject to an overall payout of R1 million per life assured. You also have access to additional funding for advanced genomic sequencing of certain cancers at an overseas provider to inform the optimal treatment regime.
- Comprehensive Premium Protector: If you suffer a qualifying disability or severe illness event, or upon your death, the Comprehensive Premium Protector will cover your qualifying Health Plan, Vitality, Discovery Gap Cover and Supplementary Gap Cover contributions that you were paying at the time of the life-changing event for a period of up to two years. This payment will also cover the contributions for the remaining lives on your Health Plan. You have the option to upgrade your Discovery Health Medical Scheme Plan to a Classic Comprehensive Plan level while the Comprehensive Premium Protector benefit is in payout, subject to normal medical scheme rules.
- Home Support Benefit: Provides you with a monthly amount of R10 000 for up to 12 months if you or your spouse suffer a qualifying life-changing event.
- Annual PayBack: By being a member of Vitality and Vitality Drive, you can receive an annual PayBack of up to 25% of the total premiums you paid over the calendar year, based on your Vitality and Vitality Drive status at the end of the year.
Then, be rewarded for Integrating your products and living well
Get exclusive rewards for being healthy and driving well. Benefit from upfront premium discounts and the ability to get up to 50% of your premiums back every five years, with the opportunity to receive a guaranteed portion annually.