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About Discovery Health Medical Scheme

We exist for our members

The core purpose of the Discovery Health Medical Scheme (DHMS) is to achieve, in a sustainable manner, the best possible value for its members, comprising of benefits, quality of care and service levels to members relative to their contributions to the Scheme. 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 2.6 million beneficiaries as of the end of 2015, DHMS is the largest open medical scheme in South Africa, with a current market share of 53% 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.

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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 member contributions are for funding claims and reserves

Member contribution expenses breakdown

The Scheme's commitment to its members and its high levels of efficiency are evidenced by the fact that 87% of contributions received are used for members' direct benefit by funding claims and reserves in accordance with the fundamental operating principles of a non-profit organisation.

The remainder of the contributions are used to fund activities for the support and benefit of members such as innovation, administration, managed care, financial advisers and the daily operations of the Scheme.

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