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 Hospital Network

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

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

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

Day-to-day cover for your GP consultations, acute medicine cover for over-the-counter (OTC) medicine, eye and dental check-up and sports-related injuries, with fixed co-payments and/or limits. This cover depends on the plan you choose

Cover for medical emergencies when travelling


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 over-the-counter (OTC) medicine obtained from a network pharmacy
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.

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