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Get a Gap Cover or Supplementary Illness Benefit quote!

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Discovery Gap Cover Special Offers

Get three months on us

Join with a start date of 1 May or 1 June 2024 and get Discovery Gap Cover at no extra cost - for 3 months! After the three months at no cost, you can decide to start paying the monthly gap cover premium or cancel the policy. Standard waiting periods will apply as per the product terms and conditions.

If you are on a Discovery Health Medical Scheme Essential Plan and are younger than 55 years, you have access to Discovery Gap Cover free for 3 months, plus experience discounted premiums when you start paying in month 4, as part of our limited offer. Standard waiting periods will apply as per the product terms and conditions.

The 3-month free premium special offer is only available for Discovery Health Medical Scheme members who have not had an active gap cover policy with any insurer within the last 90 days.

Discovery Gap Cover*
From only


a month

Choose between Discovery Gap Comprehensive and Discovery Gap Core to cover shortfalls on approved in-hospital specialist claims and specific out-of-hospital costs related to an approved admission. You also get cover for co-payments on approved endoscopies, MRI and CT scans and cancer related claims. Your cover depends on the Discovery Gap Cover option you choose. An overall annual limit of R198 000 applies to each person.

In-hospital Specialist Gap Cover gives you cover of up to 500% of the medical scheme rate when your approved in-hospital specialist claim is higher than what your medical scheme pays your specialist.

The Hospital Admission Benefit Extender provides additional gap cover of up to R15 000 on each policy per year, depending on your Discovery Vitality status, health plan type and family structure. It automatically covers gaps still experienced over and above what your medical scheme and In-hospital Specialist Gap Cover pays for.

If you select the Discovery Gap Comprehensive option, you will also be covered for shortfalls on specific out-of-hospital claims related to your authorised hospital admission.

Provides up to R100 000 per person per year to cover shortfalls on approved cancer-related claims once you have reached your scheme's oncology threshold. Your cover depends on the option you choose.

On the Discovery Gap Comprehensive option, you get a Travel Benefit Extender which provides cover for shortfalls on approved emergency medical claims incurred while you travel outside of South Africa.

You also get the Scopes and Scans Benefit Extender which provides cover for co-payments and deductibles that apply to MRI and CT scans out-of-hospital, and for endoscopies performed in-hospital.

Cover for the 25% deductible payable when purchasing the TytoHome Kit in the third trimester of pregnancy, when registered on Discovery Health Medical Scheme's maternity programme.

Supplementary Illness Benefit
From only


a month**

Provides lump-sum payouts, premium protection and home support when you need it most with yearly PayBack of up to 25%*** of your premiums.

*Gap cover is available to members of Discovery Health Medical Scheme excluding members on KeyCare plans.

Discovery Gap Cover is a non-life insurance policy, underwritten by Discovery Insure Ltd, registration number 2009/011882/06, a licensed insurer and an authorised financial services provider.

**Premiums are based on your risk profile and the number of members on your medical scheme plan. If your spouse is on a separate medical scheme plan, they will have to take out a separate Discovery Supplementary Illness Benefit policy.

***Any claims will be deducted from the accumulated PayBack amount in that year. The yearly PayBack calculation will exclude payments made from the Comprehensive Premium Protector.

The Discovery Supplementary Illness Benefit is a life insurance policy, underwritten by Discovery Life Limited, registration number 1966/003901/06, a licensed life insurer, and an authorised financial services and registered credit provider. NCR Reg No. NCRCP3555. This is not a medical scheme and the cover is not the same as that of a medical scheme. This policy is not a substitute for medical scheme membership.