The Smart Series

Affordable in-hospital cover, chronic cover and day-to-day benefits

 

Here’s what you get:

Unlimited private hospital cover in the Smart Network

Guaranteed full cover in hospital for specialists we have a payment arrangement with

Up to 200% of the Discovery Health Rate on the Classic Plan and 100% on the Essential Plan for other healthcare professionals we don’t have an arrangement with

Full cover for approved chronic medicine for all conditions on our Chronic Disease List when you use MedXpress, MedXpress partner pharmacies, Clicks or Dis-Chem

Day-to-day cover for your GP consultations, acute medicine, eye and dental check-up and sports-related injuries, with a fixed co-payment, dependent on the plan you choose

Cover for medical emergencies when you travel outside South Africa

 

Our Smart Plan

  Classic Essential
Hospital cover
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% 100%
Other healthcare professionals are covered at a percentage of the Discovery Health Rate 200% 100%
Chronic illness cover
Chronic condition: Cover for 27 Chronic Disease List conditions (once approved) according to the Prescribed Minimum benefits
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 R200 000 R200 000
Day-to-day cover
Unlimited GP consultations with a fixed co-payment for each consultation R50 R100
One eye test at an optometrist with a fixed co-payment for the test R50 R100
One dental check-up with a fixed co-payment for the check-up R100 R150
Cover for acute medicine categories, with a R10 payment for each medicine item  
Cover for sports-related injuries: basic X-rays, two specialist visits and a total of four visits to either a physiotherapist, biokineticist or chiropractor when referred by a Smart Network GP. You will have to pay R100 for each visit  

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

The Discovery Health Medical Scheme is an independent non-profit entity governed by the Medical Schemes Act, and regulated by the Council for Medical Schemes. It is administered by a separate company, Discovery Health (Pty) Ltd, an authorised financial services provider.

Log in