Hospital cover

This benefit pays the costs when you are admitted into hospital
There is no overall hospital limit for the year on any of the plans.

However, there are limits to how much you can claim for some treatments.

If you need to be admitted to hospital

All plans offer cover for hospital stays.

In an emergency you can go straight to hospital. Alternatively, medically equipped transport can be arranged by calling Discovery 911 on 0860 999 911.

When you know you are going to hospital for a planned admission, you need to tell us beforehand. You must preauthorise your admission to hospital at least 48 hours before you go in.

View full details on emergency and planned admissions

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Hospital admission

Executive, Comprehensive, Priority and Saver Series

There is no overall limit for hospital cover. On the Delta and Coastal options you will be covered at any hospital in our network, all other plan options have cover at any private hospital.

You have cover for planned stays in hospital.

Core Series

There is no overall limit for hospital cover on the Core plans. On the Delta and Coastal options you will be covered at any hospital in our network, all other plan options have cover at any private hospital.

You have cover for planned stays in hospital.

Smart Series

Unlimited private cover in our Smart Hospital Network.

You have cover for planned stays in hospitals in the Smart Hospital Network.

Smart network
KeyCare Series

Unlimited hospital cover in our KeyCare hospital networks.

You have cover for planned stays in hospitals in the KeyCare Network.

Keycare network

Specialists in hospital

Excecutive Plan

You get full cover for specialists who we have a payment arrangement with and up to 300% of the Discovery Health Rate, the highest cover, for other specialists.

Comprehensive and Priority Series

Full cover in hospital for specialists who we have a payment arrangement with, and 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.

Saver, Core and Smart Series

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

KeyCare Series

Guaranteed full cover in hospital for specialists on the KeyCare network, and up to 100% of the Discovery Health Rate (DHR) for other healthcare professionals.

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