Discovery Gap Cover and Supplementary Gap Cover

Insuring you and your family against additional, unexpected health-related expenses

Gap cover products are available from 1 May 2017

Discovery Gap Cover

Underwritten by Discovery Insure


Covers shortfalls on approved in-hospital specialist claims, specific out-of-hospital costs related to an approved hospital admission, and co-payments on approved cancer-related claims, up to R150 000 per person per year.

From only

R130

a month
  Cover for specialist claims in hospital

Your In-hospital Specialist Gap Cover immediately pays you up to 200% of your medical scheme rate when your approved in-hospital specialist claim is higher than what your medical scheme pays your specialist.

  Get additional in- and out-of-hospital cover based on your Vitality status
Provides additional cover, integrated with your Vitality status, for specific in- and out-of-hospital shortfalls related to your hospital admission.
  Cover for cancer related claims
Provides up to R100 000 a year for shortfalls on approved cancer related claims where you experience a co-payment on your medical scheme benefits.

Discovery Gap Cover and Supplementary Gap Cover


Discovery Gap Cover and Supplementary Gap Cover are complementary insurance products designed to protect you against unexpected medical costs, or where you have a life-changing event.

From only

R195

a month
  Cover for specialist claims in hospital

Your In-hospital Specialist Gap Cover immediately pays you up to 100% of your medical scheme rate when your approved in-hospital specialist claim is higher than what your medical scheme pays your specialist.

  Get additional in-and out-of-hospital cover based on your Vitality status

Provides additional cover, integrated with your Vitality status, for specific in- and out-of-hospital shortfalls related to your hospital admission.

  Cover for cancer related claims
Provides up to R100 000 a year for shortfalls on approved cancer related claims where you experience a co-payment on your medical scheme benefits.
  Lump sum payout for high cost treatments
Provides you with a lump-sum payout of up to R500 000 on diagnosis of qualifying illnesses associated with high treatment costs, as well as access to advanced genomic sequencing for certain cancers.
  We'll pay your premiums when you can't
Covers your medical aid, Vitality and gap cover premiums for up to two years on death, disability or severe illness
  Monthly payouts for home support
Pays you R10 000 every month for a year to assist you with the cost of home nursing and other medical needs, if you or your spouse suffer a qualifying life-changing event.
  Get a portion of your premiums back
Pays back up to 25% of your premiums each year depending on your Vitality and/or Vitalitydrive status

Discovery Supplementary Gap Cover

Underwritten by Discovery Life


Provides lump-sum payouts, premium protection and home support when you need it most.

From only

R65

a month
  Lump sum payout for high cost treatments
Provides you with a lump-sum payout of up to R500 000 on diagnosis of qualifying illnesses associated with high treatment costs, as well as access to advanced genomic sequencing for certain cancers.
  We'll pay your premiums when you can't
Covers your medical aid, Vitality and gap cover premiums for up to two years on death, disability or severe illness
  Monthly payouts for home support
Pays you R10 000 every month for a year to assist you with the cost of home nursing and other medical needs, if you or your spouse suffer a qualifying life-changing event.
  Get a portion of your premiums back
Pays back up to 25% of your premiums each year depending on your Vitality and/or Vitalitydrive status.

For more information, speak to your financial adviser or download the application form.

Gap cover products are only available to members of medical schemes administered by Discovery Health, excluding Discovery Health Medical Scheme KeyCare plans and their equivalent plans on other schemes.

Discovery Gap Cover is a short-term insurance product, underwritten by Discovery Insure. Discovery Supplementary Gap Cover is a long-term insurance product, underwritten by Discovery Life and is a separate product that is not conditional on the purchase of Discovery Gap Cover.

This is not a medical scheme and the cover is not the same as that of a medical scheme. These policies are not a substitute for medical scheme membership. This is a summary of the key benefits and features of Discovery Gap Cover and Discovery Supplementary Gap Cover.

 

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