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.
