The Comprehensive Series

Comprehensive in-hospital medical aid cover, chronic cover and day-to-day benefits

 

Here’s what you get:

Unlimited private hospital cover

Guaranteed full cover in hospital for specialists who we have a payment arrangement with, up to 200% of the Discovery Health Rate (DHR) on Classic plans and up to 100% of the DHR on Essential plans for other healthcare professionals

Full cover for chronic medicine on our formulary for all Chronic Disease List (CDL) conditions

Cover for comprehensive pre- and postnatal healthcare services for maternity and early childhood

Additional cover from the Day-to-day Extender Benefit (DEB) when your Medical Savings Account (MSA) runs out for GP consultation fees and kids casualty visits available on Classic plans

A high savings account and an unlimited Above Threshold Benefit (ATB) for your day-to-day healthcare needs

The five plans in the Comprehensive Series

  Classic Classic Delta Essential Essential Delta Classic Zero MSA
Hospital cover
Unlimited private hospital cover at any hospital    
Unlimited private hospital cover at a network hospital      
Full cover with a specialist we have a payment arrangement with
Specialists we don't have a payment arrangement with are covered at a percentage of the Discovery Health Rate 200% 200% 100% 100% 200%
Other healthcare professionals are covered at a percentage of the Discovery Health Rate 200% 200% 100% 100% 200%
Chronic illness cover
Chronic condition: Cover for 27 Chronic Disease List conditions (once approved) according to the Prescribed Minimum Benefits
Chronic condition: Cover for additional conditions (once approved) on our Additional Disease List
Chronic medicine: Full cover for approved medicine on our medicine list    
Chronic medicine: Full cover for approved medicine on our medicine list at a designated service provider pharmacy      
Cancer cover
We cover a set amount in full over a 12-month period. Costs above this amount attract a 20% co-payment. Prescribed Minimum Benefit conditions are covered in full R 400 000 R 400 000 R 400 000 R 400 000 R 400 000
Extended Oncology Benefit
Day-to-day Extender Benefit pays for certain day-to-day benefits after the money in your MSA has run out and before you reach your Annual Threshold
Day-to-day cover
Medical Savings Account: Percentage of your contribution that goes into an MSA 25% 25% 15% 15% 0%
Day-to-day Extender Benefit pays for certain day-to-day benefits after the money in your MSA has run out and before you reach your Annual Threshold
Unlimited Above Threshold Benefit: Once your claims add up to your Annual Threshold

This is only a summary of the key benefits. Please consult the health plan guide for more details. Discovery Health Medical Scheme Rules apply.

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