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Discovery Health Comparisons – 12 Medical Aid Plans Compared

Discovery Health Comparisons – 2025 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 2025 updates in the tables below.

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Discovery Health PlansCompare 12 Medical Aid Plans – 2025 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
    6. Active Smart – NEW PLAN!
Column 1 Column 2 Column 3 Column 4

KEYCARE START - NETWORK PLAN
Monthly Contributions
Income p/m R0 - R10 550
*
 R10 551 - R15 950
**
 R15 251 - R24 250
***
 R24 251+
****
Main Member R1 331
*
 R1 952
**
 R3 063
***
 R3 488
****
Spouse/Adult dependent R1 331
*
 R1 952
**
 R3 063
***
 R3 488
****
Child (Max 3) R811
*
 R878
**
 R919
***
 R949
****
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: out of hospital paid up to the specialist benefit.
---
Column 1 Column 2 Column 3 Column 4

COASTAL CORE - HOSPITAL PLAN ONLY
Monthly Contributions
Main Member R3 011 --- ---
Spouse/Adult dependent R2 259 --- ---
Child (Max 3) R1 196 --- ---
Benefits
100% scheme rate in-hospital.
R7000 co-payment for 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 R2 021 --- ---
Spouse/Adult dependent R2 021 --- ---
Child (Max 3) R2 021 --- ---
Benefits
100% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Smart hospitals to be used: R12 200 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 R125 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 797 R6 826
Spouse/Adult dependent R2 855 R5 136
Child (Max 3) R1 533 R2 760 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: R3850 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 797 * R6 826 **
Spouse/Adult dependent R2 855 * R5 136 **
Child (Max 3) R1 533 * R2 760 (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: R3850 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 898 R3 468 ---
Spouse/Adult dependent R2 187 R2 616 ---
Child (Max 3) R1 163 R1 392 Per child ---
Benefits
100% scheme rate in-hospital.
Delta hospitals to be used.
R10 700 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: R3850 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 898 * R2 574 R3 468 ** ---
Spouse/Adult dependent R2 187 * R1 943 R2 616 ** ---
Child (Max 3) R1 072 * R1 033 R1 392 (P/Child) ** ---
Benefits
100% scheme rate in-hospital.
Delta hospitals to be used.
R10 700 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: R3850 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 R9 298 R27 876 R32 250 R35 000
Spouse/Adult dependent R8 793 R26 364 RR32 250 R35 000
Child (Max 3) R1 856 R5 568 P/Child R6 160 R6 160
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: R3850 from savings, balance hospital benefit: certain limitations.
27 chronic disease conditions, 22 additional disease conditions.Must nominate a network GP to manage or co-payment applies.
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 R9 298 * R27 876 ** R32 250 *** R35 000 ****
Spouse/Adult dependent R8 793 * R26 364 ** R32 250 *** R35 000 ****
Child (Max 3) R1 856 * R5 568 P/Child ** R6 160 *** R6 160 ****
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: R3850 from savings, balance hospital benefit: certain limitations.
27 chronic disease conditions, 22 additional disease conditions.Must nominate a network GP to manage or co-payment applies.
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 - R9 900
*
 R9 901 - R 15 990
**
 'R15 991+
***
Main Member R1 817
*
 R2 497
**
 R3 687
***
Spouse/Adult dependent R1 817
*
 R2 497
**
 R3 687
***
Child (Max 3) 661
*
 R704
**
 R986
***
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: Out of hospital paid up to the specialist benefit.
Column 1 Column 2 Column 3 Column 4

ESSENTIAL CORE - HOSPITAL PLAN ONLY
Monthly Contributions
Main Member R3 138 --- ---
Spouse/Adult dependent R2 354 --- ---
Child (Max 3) R1 260 --- ---
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 822 --- ---
Spouse/Adult dependent R2 227 --- ---
Child (Max 3) R1 127 --- ---
Benefits
200% scheme rate in-hospital.
R12 200 upfront payment for usage of a non network hospital for a planned procedure..
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 R70 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 634 R4 356 ---
Spouse/Adult dependent R2 725 R3 264 ---
Child (Max 3) R1 455 R1 740 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: R3850 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 634 * R4 356 ** ---
Spouse/Adult dependent R2 725 * R3 264 ** ---
Child (Max 3) R1 455* R1 740 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: R3850 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 535 R10 872 ---
Spouse/Adult dependent R3 577 R8 580 ---
Child (Max 3) R1 817 R4 344 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 R3850 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 535 * R2 574 R10 020 ** ---
Spouse/Adult dependent R3 577 * R1 943 R8 580 ** ---
Child (Max 3) R1 676 * R1 033 R4 344 (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 R3850 upfront payment if out of hospital paid from savings.
Column 1 Column 2 Column 3 Column 4

ACTIVE SMART
Monthly Contributions
Main Member R1 350 --- ---
Spouse/Adult dependent R1 350 --- ---
Child (Max 3) R1 350 --- ---
Benefits
100% scheme rate in-hospital.
Specialists who have an arrangement with Discovery covered in full.
Smart hospitals to be used: R14 750 upfront payment for use of non DSP for planned procedures.
R7500 upfront payment for admittance for elective non-emergency admissions.
Oncology: PMB only Dialysis State only.
Cover for 27 chronic diseases: medication from DSP.
MRI/CT scans: Unlimited if part of hospital procedure: No cover for back and neck.
GP visits: Unlimited with network provider and a R125 co-payment per visit.
No specialist cover, no acute medication, over the counter limited to R535 pf per annum. --- --- ---

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