Frequently asked questions

About Discovery Health Medical Scheme

Discovery Health administers the Discovery Health Medical Scheme. A medical scheme is a not-for-profit entity governed by the Medical Schemes Act. Members of a medical scheme pay contributions every month and in return, receive medical cover according to the rules of the scheme and clinical best practice. Member contributions are paid directly into a pool of funds. Any money not paid out in claims, administration fees and other non-healthcare expenditure remains in this pool. Overseen by a Board of Trustees, this pool of funds belongs solely to the members. An administrator manages the operations of a medical scheme. It earns a fixed administration fee for each family, every month from a medical scheme, in order to carry out a full range of  administration services.

You will be able to access the registered scheme rules approved by the Council of Medical Schemes when you log in.

Joining Discovery Health Medical Scheme

Joining is easy. Get a medical aid quote online, call us on 0860 000 628 or contact your financial adviser.

You need to let Discovery Health Medical Scheme know 30 days in advance (a calendar month's notice) of your intention to withdraw yourself or your dependants from the scheme. Contact us on 0860 99 88 77 or email

You cannot withdraw money from your Medical Savings Account but we will pay any positive balances from your MSA if:

  • You have resigned from the Scheme
  • You have downgraded your health plan to a plan that does not offer a Medical Savings Account

Money are paid on the first claims run in the fifth month after the effective withdrawal date. This is to allow for the payment of late claims.

Schemes can apply waiting periods because you have never belonged to a medical scheme or you have had a break in membership of more than 90 days before joining Discovery Health Medical Scheme. You will not have cover or access to the Prescribed Minimum Benefits during your waiting periods. This includes cover for emergency admissions.

The Medical Schemes Act allows medical schemes to apply a late joiner penalty if an applicant, or the dependant of an applicant, who at the date of application:

  • Is 35 years or older; and
  • Was not a member or a dependant of a registered South African medical scheme (foreign schemes are not recognised) on or before 1 April 2001; or

Has allowed more than a 3 month consecutive break in membership since 1 April 2001.

Lost card

Simply request a new card by contacting us on 0860 99 88 77 or email us at While you wait for your new card you can use a membership certificate or digital card as proof of membership. Your medical aid membership certificate is available under Policy documents on the Health navigation of the Discovery app. Also, when you log in, you can view it online. To view your digital card, log in on the Discovery app using your website login details and access it under Digital cards on the main menu.

Discovery Health Medical Scheme complaints process

Discovery Health Medical Scheme is committed to providing you with the highest standard of service and your feedback is important to us. The following channels are available for your complaints and we encourage you to follow the process.

  • Step 1 - If you have already contacted us and feel that your query has still not been resolved, please complete our online complaints form. We would also love to hear from you if we have exceeded your expectations.
  • Step 2 - If you are still not satisfied with the resolution of your complaint after following the process in step 1 you are able to escalate your complaint to the Principal Officer of the Discovery Health Medical Scheme by completing the online form.
  • Step 3 - If you have received a final decision from Discovery Health Medical Scheme and want to challenge it, you may lodge a formal dispute.
  • Step 4 - Discovery Health Medical Scheme is regulated by the Council for Medical Schemes (CMS). You may contact the CMS at any stage of the complaints process but are encouraged to follow the steps above to resolve your complaint before contacting the CMS directly. Members who wish to approach the Council for Medical Schemes for assistance, may do so in writing to: Council for Medical Schemes Complaints Unit, Block A, Eco Glades 2 Office Park, 420 Witch - Hazel Avenue, Eco Park, Centurion, 0157 or email Customer care centre: 0861 123 267 / website

PMB and other important concepts to help you understand your health plan

In terms of the Medical Schemes Act of 1998 (Act number 131 of 1998) and its regulations, all medical schemes have to cover the costs related to the diagnosis, treatment and care of:

  • any life-threatening emergency medical condition 
  • a defined set of 270 diagnoses and 
  • 27 chronic conditions.

These conditions and their treatments are known as the Prescribed Minimum Benefits (PMB). 

All medical schemes in South Africa have to include the Prescribed Minimum Benefits in the health plans they offer to their members. There are, however, certain requirements that a member must meet before he or she can benefit from the Prescribed Minimum Benefits

The three requirements are: 

  1. The condition must be part of the list of defined PMB conditions
  2. The treatment needed must match the treatments in the defined benefits on the PMB list
  3.  Members must use the scheme’s designated healthcare service providers.

The Medical Savings Account (MSA) is an amount that gets set aside for you at the beginning of the year or when you join Discovery Health Medical Scheme. You pay back this amount monthly as part of your medical scheme contribution. Members on the Executive, Comprehensive, Priority and Saver plans get a Medical Savings Account. We pay for day-to-day medical expenses like GP visits, radiology and pathology from the Medical Savings Account, as long as you have money available. Any money remaining in the Medical Savings Account at the end of the year will carry over to the next year.

If you leave the Scheme or downgrade your health plan before the year is up, you may owe the Scheme the portion of the Medical Savings Account you have used but have not yet paid back.

The Self-payment Gap (SPG) is a temporary gap in cover when you run out of funds in your Medical Savings Account (MSA) but have not yet reached your Annual Threshold. You will have to pay for day-to-day claims from your own pocket during this period. You must still submit claims to us so that we know when to start paying from your Above Threshold Benefit. Watch this short video for more information or read more here.

The Above Threshold Benefit (ATB) is a 'safety net' included on Discovery Health Medical Scheme’s Executive, Comprehensive and Priority Plans. The day-to-day claims that you submit to Discovery Health Medical Scheme are added up at the Discovery Health Rate depending on the limits for any specific treatment and conditions. Once the claims add up to a certain amount, known as the Annual Threshold, your claims start paying from the Above Threshold Benefit. You may run out of money in the Medical Savings Account before we start paying from the Above Threshold Benefit. This is called a Self-payment Gap.

A benefit is a pool of funds in a medical scheme reserved for specific healthcare services. For example, the Hospital Benefit pays for healthcare services when you are admitted to hospital as part of an approved admission.

A limit is the maximum amount or a cap on what we will pay for a particular type of healthcare service. This applies when the service is paid from a specific benefit. For example, your optometry claims either pay from the Medical Savings Account or Above Threshold Benefit but we will only pay these claims up to the optometry limit for your health plan. Watch this short video for more information.

Hospital networks

On the KeyCare Plans, you must go to a hospital in the KeyCare hospital network. If you don’t use a KeyCare hospital network for planned admission, you will have to pay the claims yourself. View the list here.

Members on a Discovery Health Delta Plan must go to hospitals and day-clinics in the Delta hospital network for a planned admission. If you don’t use a hospital in the Delta hospital network for planned admissions, you must pay a non-refundable amount upfront to the hospital. View the list here.


You can send in your claims in one of these ways:

  • Discovery app for your iPhone or Android smartphone lets you take a photo of your claim
  • Scan and upload your claim here
  • Email to
  • Post to Discovery – Claims, PO Box 784262, Sandton, 2146
  • Fax to 0860 329 252
  • Claims drop-off boxes situated at medical practices, pharmacies and Planet Fitness and Virgin Active gyms countrywide

To track the progress of your claims, you can use the Claims Search tool when you log in, or you can call 0860 99 88 77 and follow the phone voice prompts, or just SMS 'Claim' to 31347.

You must send us your claim within four months from the date you saw your healthcare professional.

If your healthcare professional has sent us the claim, you do not need to send us another copy. Please keep this copy for your records.

Your cover

Use our MaPS Advisor tool or access it on the Discovery app when you log in to find healthcare professionals we have an agreement with for your specific health plan. These healthcare professionals have agreed to charge you the Discovery Health Rate.

Your condition must be covered on our list of conditions. Please visit your doctor who will help you complete a Chronic Illness Benefit application form. The completed application form can be sent to us through:

Discovery Health may ask you for motivation with your application form. Where applicable please check if you have submitted all the relevant documents needed to process your application.

Discovery Health Medical Scheme covers each procedure according to the benefits available on your health plan. Discovery Health Medical Scheme members can see if their procedure or treatment is covered with our ‘Do We Cover” tool. If you need to go to hospital, you must call us to confirm your admission to hospital. We will explain how your procedure will be covered.

Use the Do We Cover tool for your specific procedure

In an emergency, go straight to hospital. If you need medically equipped transport, call 0860 999 911. Highly qualified emergency personnel manage this line. They will send air or road emergency evacuation transport to you, depending on which is most appropriate. Remember that you, a loved one or the hospital must let us know about your admission as soon as possible.

If you have a medical emergency while overseas, call International SOS on +27 11 541 1222 with your membership number as printed on your membership card.

Find out more about what to do in an emergency.

We enter into agreements with healthcare professionals to ensure certainty of cover for our members and higher levels of reimbursement for healthcare professionals who we pay in full. Our agreements cover 90% of GP and specialists visits respectively.

You can a  find a healthcare professional we have an agreement with when you log in.

Travelling outside of South Africa

The Africa Evacuation Benefit covers you for emergency medical evacuations from certain sub-Saharan African countries back to South Africa. You can find the list of African here.

The International Travel Benefit offers medical emergency cover, for 90 days from date of departure, outside the borders of the Republic of South Africa to members on all plans (excluding KeyCare plans).

Each person is covered up to a limit of R10 million on the Executive Plan and R5 million on the Classic, Essential or Coastal Plans.

You need  to get an International Travel Benefit letter when you log in as proof of your medical cover for visa application purposes or get a copy from the Discovery app on your smartphone.

If you are going to travel for more than 90 days, you must apply for extra travel insurance from your travel agent before your departure from South Africa.

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