Benefits and cover
Tools to check and manage your benefits and cover
Benefits and cover overview
You get unlimited hospital cover - network plans require that you visit a hospital in your network to enjoy full cover. For planned or non-emergency admission you need to call us to confirm your admission.
Going to hospital?
For planned procedures, it is necessary that you inform Discovery Health before being admitted to hospital. Understand what we need to know before we can authorise your hospital admission.
Read moreIn an emergency, you can go straight to hospital. Alternatively in the event of an emergency medically equipped transport can be arranged by calling Discovery 911 on 0860 999 911.
Read moreHospital cover
All members have access to private hospitals. We cover the costs of planned hospital admissions from your Hospital Benefit. There is no overall limit of hospitalisation. You can have peace of mind that Discovery Health places you first with a focus on giving you comprehensive benefits, value for money and services to improve the quality of care available to you.
Read moreWhat to do when you need to go to hospital
Watch this video for an overview of the steps to follow when you need to go to hospital.
General
Dental treatment
Members have access to dental treatment - both in the dentist's or dental specialist's rooms, in hospital or a day clinic. Cover for dentistry also depends on the member's plan type.
Read moreMaternity benefit
Members have access to comprehensive maternity and post-birth benefits supported by access to 24/7 support, advice and guidance through the My Pregnancy and My Baby programmes on the Discovery Health app and website.
Read moreAssisted Reproductive Therapy benefit
The Executive and Comprehensive plans offer cover for assisted reproductive therapy, such as in vitro fertilisation (IVF) and embryo transfer through our approved network of specialists and facilities.
Read moreInternational travel
Offers medical emergency cover outside borders of the Republic of South Africa.
Read moreTrauma cover
The Emergency Services and Trauma Support includes dedicated support and benefits to trauma related to gender-based violence or crime-related violence. The Trauma Recovery Extender Benefit extends your cover for out-of-hospital claims related to certain traumatic events.
Read moreTests and scans
You have cover for in- and out-of-hospital tests and screening, including investigations, radiology and blood tests.
Read moreScreening and prevention
You and your children have access to screening and prevention benefits that cover tests to detect early warning signs of serious illness.
Read moreWHO Global Outbreak Benefit
You have cover for relevant healthcare services, as well as a defined basket of care for out-of-hospital healthcare services, related to global World Health Organization (WHO) recognised disease outbreaks such as COVID-19.
Read moreCover for in-rooms procedures
You have cover for certain procedures done in the specialist's rooms, including surgical procedures and investigative procedures. You must preauthorise the procedure with us beforehand.
Read moreHealth Check
You get access to a yearly Health Check covered in full that empowers you to proactively manage your health risks through lifestyle changes and suitable treatments.
Read moreCover for chronic conditions and cancer
Oncology
If you're diagnosed with cancer and once we have approved your cancer treatment, you are covered by the Oncology Care Programme.
Read moreChronic Illness Benefit
All our plans cover approved medicine for the Prescribed Minimum Benefit Chronic Disease List conditions. Certain plans cover additional conditions.
Read moreKidney disease
The Kidney Care Programme focuses on members with chronic kidney disease who need dialysis.
Read moreDiabetes Care
Our Diabetes Care Programme, together with your Premier Plus GP, will help you actively manage your diabetes.
Read moreCardio Care
The Cardio Care Programme, together with your Premier Plus GP, will help you actively manage the conditions affecting your heart and blood vessels.
Read moreHIV Care
When you register for our HIV Care Programme, you are covered for the care that you need. You can be assured of confidentiality at all times.
Read moreMental Health Care
The Mental Health Care Programme, together with your Premier Plus GP, will help you actively manage episodes of major depression.
Read moreAdvanced illness care
Member who have an illness in an advanced stage have access to a comprehensive palliative programme.
Read moreDisease Prevention Programme
This programme will help you actively manage your risk of developing a chronic condition.
Read moreCover for medicine and medical items
Extra benefits to enhance your cover
International second opinion
Through your specialist you have access to second opinion services from Cleveland Clinic for life-threatening and life-changing conditions.
Read more
Health Pay
You can integrate payments for out-of-pocket medical expenses with Health Pay from Discovery Pay. You can do this for your medical scheme benefits and other funding sources for healthcare, including gap cover, using your savings and credit facilities with Discovery Bank.
Read more