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Discovery Health Comparisons – 11 Medical Aid Plans Compared

Discovery Health Comparisons – 2024 Medical Aid Plans

Discovery Health Comparisons: Discovery Health is by far the largest medical aid scheme in South Africa and offers health plans to suit every budget.

We have laid out all the Discovery Medical Aid Plans in easy to understand tables. Compare the latest medical aid plans 2023 updates in the tables below.

Please feel free to use our convenient quote form provided. Our consultants will assist you in analysing your healthcare needs and supply easy to understand Medical Aid Comparisons and Quotes.

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Discovery Health PlansCompare 11 Medical Aid Plans – 2024 Updates

Table Of ContentsDiscovery Medical Aid

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    1. Discovery Keycare Start – Network Plan
    2. Discovery Coastal Core – Hospital Plan Only
    3. Essential Smart
    4. Coastal Saver – Hospital Plan With Savings
    5. Essential Delta Saver – Network Hospital Plan With Savings
    6. Classic Comprehensive
    1. Keycare Plus – Network Plan
    2. Essential Core – Hospital Plan Only
    3. Classic Smart
    4. Essential Saver – Hospital Plan With Savings
    5. Classic Saver – Hospital Plan With Savings
Column 1 Column 2 Column 3 Column 4

KEYCARE START - NETWORK PLAN
Monthly Contributions
Income p/m R0 - R10100
*
 R10 101 - R15250
**
 R15251+
***
Main Member R1 239
*
 R2 085
**
 R3 247
***
Spouse/Adult dependent R1 239
*
 R2 085
**
 R3 247
***
Child (Max 3) R755
*
 R817
**
 R883
***
Benefits
100% scheme rate in-hospital.
Network hospitals, GP's and Specialists to be used.
Covers 27 chronic diseases: subject to formulary State only.
Dialysis state only.
Exclusions on certain procedures apply.
Oncology ( State hospital) PMB.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: R2650 pp on specialist benefit if out of hospital.
---
Column 1 Column 2 Column 3 Column 4

COASTAL CORE - HOSPITAL PLAN ONLY
Monthly Contributions
Main Member R2 714 --- ---
Spouse/Adult dependent R2 037 --- ---
Child (Max 3) R1 078 --- ---
Benefits
100% scheme rate in-hospital.
R6650 co-payment for the use of a non-network day hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: medication from DSP.
MRI/CT scans: Unlimited if part of hospital procedure.
No day to day benefit.
---
---
--- --- --- ---
Column 1 Column 2 Column 3 Column 4

ESSENTIAL SMART
Monthly Contributions
Main Member R1 881 --- ---
Spouse/Adult dependent R1 881 --- ---
Child (Max 3) R1 881 --- ---
Benefits
100% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Smart hospitals to be used: R11 650 upfront payment for use of non DSP for planned procedures.
Dialysis: State only.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: members must use a network GP to manage conditions or a co-payment applies.
MRI/CT scans: Unlimited if part of hospital procedure: No cover for back and neck.
GP visits: Unlimited with network provider and a R120 co-payment per visit.
Specialists for member's account: some limited dentistry and acute medicine cover. --- --- ---
Column 1 Column 2 Column 3 Column 4

COASTAL SAVER - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions Savings
Main Member R3 423 R6 144
Spouse/Adult dependent R2 574 R4 632
Child (Max 3) R1 382 R2 484 Per Child Per child
Benefits
100% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: medication from DSP. Must use a networlk GP to manage or co-payments.
Chronic medication from DSP.
Day to day expenses paid from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: Out of hospital: R3670 from savings, balance hospital benefit: certain limitations.
Column 1 Column 2 Column 3 Column 4

COASTAL SAVER - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions * Savings **
Main Member R3 423 * R6 144 **
Spouse/Adult dependent R2 574 * R4 632 **
Child (Max 3) R1 382 * R2 484 (P/Child} **
Benefits
100% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: medication from DSP. Must use a networlk GP to manage or co-payments.
Chronic medication from DSP.
Day to day expenses paid from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: Out of hospital: R3470 from savings, balance hospital benefit: certain limitations.
Column 1 Column 2 Column 3 Column 4

ESSENTIAL DELTA SAVER - NETWORK HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions Savings
Main Member R2 673 R3 192 ---
Spouse/Adult dependent R2 017 R2 412 ---
Child (Max 3) R1 072 R1 284 Per child ---
Benefits
100% scheme rate in-hospital.
Delta hospitals to be used.
R10 200 upfront payment for planned procedure in non-network hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: Medication from DSP. Must use a network GP to manage or a co-payment applies.
Day to Day expenses from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: Out of hospital: R3670 from savings, balance hospital benefit: certain limitations. --- --- ---
---
---
---
Column 1 Column 2 Column 3 Column 4

ESSENTIAL DELTA SAVER - NETWORK HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions * Savings **
Main Member R2 673 * R2 574 R3 192 ** ---
Spouse/Adult dependent R2 017 * R1 943 R2 412 ** ---
Child (Max 3) R1 072 * R1 033 R1 284 (P/Child) ** ---
Benefits
100% scheme rate in-hospital.
Delta hospitals to be used.
R10 200 upfront payment for planned procedure in non-network hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: Medication from DSP. Must use a network GP to manage or a co-payment applies.
Day to Day expenses from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: Out of hospital: R3670 from savings, balance hospital benefit: certain limitations. --- --- ---
Column 1 Column 2 Column 3 Column 4 Column 5

CLASSIC COMPREHENSIVE
Contributions/Savings/Annual Threshold
Monthly Contributions Savings Annual Threshold Annual limit for
Above Threshold Benefit
Main Member R8 381 R25 104 R28 810 R35 000
Spouse/Adult dependent R7 927 R23 748 R28 810 R35 000
Child (Max 3) R1 671 R5 004 P/Child R5 500 R8 500
Add together Add together
Benefits
200% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R500 000 thereafter 20% co-payment.
Extended Oncology ahd Innovation Oncology benefit.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: Out of hospital: R3670 from savings, balance hospital benefit: certain limitations.
27 chronic disease conditions, 22 additional disease conditions.
Specialised medicine and technology benefit: R200 000 pp per annum.
Acute medication from day to day, therafter from above threshold benefit: Limits apply. --- --- ---
Column 1 Column 2 Column 3 Column 4 Column 5

CLASSIC COMPREHENSIVE
Contributions/Savings/Annual Threshold
Monthly Contributions * Savings ** Annual Threshold *** Annual limit for
Above Threshold Benefit ****
Main Member R8 381 * R25 104 ** R28 810 *** R35 000 ****
Spouse/Adult dependent R7 927 * R23 748 ** R28 810 *** R35 000 ****
Child (Max 3) R1 671 * R5 004 P/Child ** R5 500 *** R8 500 ****
Add together *** + **** Add together
Benefits
200% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R500 000 thereafter 20% co-payment.
Extended Oncology ahd Innovation Oncology benefit.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: Out of hospital: R3670 from savings, balance hospital benefit: certain limitations.
27 chronic disease conditions, 22 additional disease conditions.
Specialised medicine and technology benefit: R200 000 pp per annum.
Acute medication from day to day, therafter from above threshold benefit: Limits apply. --- --- ---
Column 1 Column 2 Column 3 Column 4

KEYCARE PLUS - NETWORK PLAN
Monthly Contributions
Income p/m R0 - R9450
*
 R9451 - R15250
**
 'R15251+
***
Main Member R1 652
*
 R2 271
**
 R3 354
***
Spouse/Adult dependent R1 652
*
 R2 271
**
 R3 354
***
Child (Max 3) R601
*
 R640
**
 R897
***
Benefits
100% scheme rate in-hospital.
Network hospitals, GP's and Specialists to be used.
Covers 27 chronic diseases: Medication DSP and formulary applies. Members must use a network GP to manage chronic conditions or a co-payment applies.
Dialysis: full cover through network providers Exclusions on certain procedures apply
Exclusions on certain procedures apply.
Oncology: PMB.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: R2650 pp on specialist benefit if out of hospital.
Column 1 Column 2 Column 3 Column 4

ESSENTIAL CORE - HOSPITAL PLAN ONLY
Monthly Contributions
Main Member R2 855 --- ---
Spouse/Adult dependent R2 141 --- ---
Child (Max 3) R1 146 --- ---
Benefits
100% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: medication from DSP.
MRI/CT scans: Unlimited if part of hospital procedure.
No day to day benefit.
---
---
---
---
--- --- --- ---
Column 1 Column 2 Column 3 Column 4

CLASSIC SMART
Monthly Contributions
Main Member R2 627 --- ---
Spouse/Adult dependent R2 073 --- ---
Child (Max 3) R1 049 --- ---
Benefits
200% scheme rate in-hospital.
Use of non-network hospital for a planned procedure: R11 650 upfront co-payment.
Oncology: R250 000 per member, thereafter 20% co-payment.
Cover for 27 chronic diseases: members must use a network GP to manage conditions or a co-payment applies.
MRI/CT scans: Unlimited if part of hospital procedure.
If MRI and CT scans not part of hospital procedure R3670 paid by member. Only one back and neck scan.
GP visits: Unlimited with network provider and a R65 co-payment per visit.
Specialists for member's account: some limited dentistry and acute medicine cover. --- --- ---
Column 1 Column 2 Column 3 Column 4

ESSENTIAL SAVER - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions Savings
Main Member R3 351 R4 008 ---
Spouse/Adult dependent R2 514 R3 012 ---
Child (Max 3) R1 342 R1 596 Per child ---
Benefits
100% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: medication from DSP Must use a network GP to manage or co-payments apply.
Day to Day expenses from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: Out of hospital: R3670 from savings, balance hospital benefit: certain limitations.
---
Column 1 Column 2 Column 3 Column 4

ESSENTIAL SAVER - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions * Savings **
Main Member R3 351 * R4 008 ** ---
Spouse/Adult dependent R2 514 * R3 012 ** ---
Child (Max 3) R1 342 * R1 596 Per child ** ---
Benefits
100% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: medication from DSP Must use a network GP to manage or co-payments apply.
Day to Day expenses from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans: Out of hospital: R3670 from savings, balance hospital benefit: certain limitations.
---
Column 1 Column 2 Column 3 Column 4

CLASSIC SAVER - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions Savings
Main Member R4 182 R10 020 ---
Spouse/Adult dependent R3 299 R7 908 ---
Child (Max 3) R1 676 R4 020 Per child ---
Benefits
200% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: Medication subject to scheme formulary:Must use a network GP to manage or co-payment applies.
Day to Day expenses from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans R3670 upfront payment if out of hospital paid from savings.
Column 1 Column 2 Column 3 Column 4

CLASSIC SAVER - HOSPITAL PLAN WITH SAVINGS
Contributions/Savings
Monthly Contributions * Savings **
Main Member R4 182 * R2 574 R10 020 ** ---
Spouse/Adult dependent R3 299 * R1 943 R7 908 ** ---
Child (Max 3) R1 676 * R1 033 R4 020 (P/Child) ** ---
Benefits
100% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Oncology: R250 00 per member, therafter 20% co-payment.
Cover for 27 chronic diseases: Medication subject to scheme formulary:Must use a network GP to manage or co-payment applies.
Day to Day expenses from savings.
MRI/CT scans: unlimited if part of hospital procedure.
MRI/CT scans R3670 upfront payment if out of hospital paid from savings.

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