The most extensive in-hospital medical aid cover with comprehensive chronic and day-to-day benefits
Choosing the right medical aid plan is important. We're here to help you.
Here's what you get:
Unlimited cover in any private hospital, including private ward cover.
Guaranteed full cover in hospital for specialists who we have a payment arrangement with, and up to 300% of the Discovery Health Rate (DHR) for other specialists.
Full cover for chronic medicine on our formulary for all Chronic Disease List (CDL) conditions. Depending on the plan you choose you have access to an additional list of conditions (ADL) as well as the Specialised Medicine and Technology Benefit which covers specific new treatments and medicine.
Cover for up to two cycles of assisted reproductive therapy (ART) if you meet the scheme's benefit and clinical entry criteria. We will fund 75% of the treatment up to an overall limit of R129 000 per year.
Comprehensive benefits for maternity and early childhood that cover certain healthcare services before and after birth.
Additional cover through the Day-to-day Extender Benefit (DEB) for GP consultation fees and kids casualty visits when your Medical Savings Account (MSA) runs out.
The highest savings account and an unlimited Above Threshold Benefit (ATB) for your day-to-day healthcare needs.
The Overseas Treatment Benefit gives you cover for treatment not available in South Africa. Access to full cover for second opinion services. Cover of up to US$1 million for medical emergencies when travelling outside of South Africa.
Our Executive Plan
| Hospital cover | |
| Unlimited private hospital cover at any 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 | 300% |
| Other healthcare professionals are covered at a percentage of the Discovery Health Rate | 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 | |
| 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 |
R500 000 |
| Extended Oncology Benefit | |
| You have extended cover in full for a defined list of cancers and treatments. | |
| Day-to-day cover | |
| Medical Savings Account: Percentage of your contribution that goes into an MSA | 25% |
| 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.
