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As a member of Discovery Health Medical Scheme you have access to the broadest and best level of healthcare cover in the market based on your medical needs.
We pay for your day-to-day medical expenses like GP and specialist face-to-face and video call consultations, everyday medicine, radiology and pathology from the Medical Savings Account (MSA), Day-to-day Extender Benefit (DEB) and Above Threshold Benefit (ATB). The level of day-to-day cover depends on the plan you choose.
Medical Savings Account (MSA) on the Executive, Comprehensive, Priority and Saver plans
The Medical Savings Account (MSA) is only applicable to the Executive, Comprehensive (excluding Classic Zero MSA), Priority and Saver Plans. It is a fixed amount that the Scheme gives you at the beginning of the year. Your total MSA amount and contribution is calculated as a fixed portion (15%, 20% or 25%, depending on your plan type) of your total and monthly contribution.
Any unused funds in your MSA will carry over to the next year. On the Executive, Comprehensive and Priority plans, when you run out of MSA, you will have to pay for some healthcare expenses from your pocket before you reach your Annual Threshold for the Above Threshold Benefit (ATB) to kick in. This temporary gap in cover is called a Self-payment Gap (SPG). You must still send claims to us so that we know when to start paying from your ATB.
Day-to-day Extender Benefit (DEB)
On selected plans, when you have spent your annual Medical Saving Account (MSA) allocated, the Day-to-day Extender Benefit (DEB) extends your day-to-day cover for essential healthcare services in our network.
Select day-to-day benefits on the Smart, KeyCare Plus and KeyCare Start plans
Smart plans offer unlimited cover for GP consultations and other day-to-day benefits with fixed payments in the Smart Network. The KeyCare Plus and Start plans offer primary care cover through your chosen GP and day-to-day medicine from our medicine list.