About Discovery Health Medical Scheme

We exist for our members

The core purpose of the Discovery Health Medical Scheme (DHMS) is to care for our members' health and wellness by engaging the brightest minds and innovative solutions to provide access to affordable, equitable and quality healthcare that meets their needs now and into the future. DHMS is a non-profit organisation which pools and safeguards its members' funds in order to provide healthcare funding to members who need it, when they need it.

Dr Nozipho Sangweni (MBChB, DOH DCAM MBA) is Discovery Health Medical Scheme's Principal Officer effective 1 January 2017

The Scheme at a glance

Covering over 2.7 million beneficiaries as of the end of 2016, DHMS is the largest open medical scheme in South Africa, with a current market share of 55% of the open market.

As an open medical scheme, any member of the public can join DHMS, subject to the Scheme's rules. The Scheme belongs to its members.

The Scheme is a non-profit entity governed by the Medical Schemes Act 131 of 1998, as amended, and is regulated by the Council for Medical Schemes (CMS).

An independent board of trustees (the Board) oversees the Scheme's business.

The Scheme operates through a formal contractual arrangement with Discovery Health Pty (Ltd), which provides the Scheme's administration and managed care services.

Scheme rules

For members

To access the registered scheme rules approved by the Council for Medical Schemes, please log in. If you are not yet registered, please register.

Log in to view scheme rules

For non-members

To access the registered scheme rules approved by the Council for Medical Schemes, please come to our scheme office or email your request to compliance@discovery.co.za

87% of contributions received are used to fund member benefits

Member contribution expenses breakdown

The Scheme's income is predominantly derived from member contributions and investment returns. In pricing for contributions from members for each year, the Scheme's objective is to return a surplus to meet regulatory requirements as well as to have a cushion against unexpected cost increases. This is in accordance with the fundamental operating principles of a non-profit organisation.

The Scheme's income is used to fund activities to ensure the sustainability of the Scheme as well as those for the support and benefit of members - such as innovation, administration, managed care, financial advisers and the daily operations of the Scheme.

Apart from the reserves and these activities, all of the Scheme's income is used to fund claims.

Log in