Essential Saver
Hospital Plan With Savings
Essential Saver 2024 Options & Benefits
Essential Saver 2024 Options And Benefits: The Essential Saver Hospital Plan offers affordable daily benefits, chronic medicine cover, and in-hospital medical aid cover. In-hospital specialists are covered up to 100% of the Discovery Health Rate. Full cover for chronic medications is subject to using a MedXpress network pharmacy. Another key point is that the Essential Saver Benefit saves 10% of the members contributions into a Medical Savings Account (MSA). Additionally when the savings account is depleted, there are additional savings through the day-to-day Extender Benefit.
Best suited for consumers with a modest income, who are happy to use a designated network of service providers while managing their day-to-day expenses from savings.
Day Surgery Network Benefits
The Essential Saver Hospital Plan covers some planned operations in a day surgery facility. A day surgery can be performed at a hospital, a day clinic, or a standalone facility. A members must contact Discovery to obtain pre-authorisation before a procedure.
Day Surgery Cover
The Day Surgery Benefit pays for all hospital-related expenses, including healthcare professionals, services, and approved medicine from the members Hospital Benefits.
A member receives full cover when using approved doctors, specialists and other healthcare professionals. Essential Saver pays up to 100% of the DHR for other healthcare professionals.
Essential Saver Day Surgery Co-payment
If you go to a facility that is not in the Essential Saver Day Surgery Network, you will have to pay an amount upfront of R6,650.
Get A Essential Saver Quote
Please use our convenient Essential Saver quote form provided. One of our Discovery consultants will get in touch with you to discuss the best options according to your budget.
Compare the latest 2024 Essential Saver plan updates in the table below.
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Free & No Obligation
Discovery Health Medical Scheme
Discovery Health Medical Scheme (DHMS) is South Africa’s largest medical aid scheme, with over 57% open market share, and close to 3 million beneficiaries as of the end of December 2022.
When compared to competitors, Discovery’s shared-value model offers a value-based healthcare system that lowers healthcare expenses and results in lower contributions.
Why Choose Discovery Health Medical Scheme?
The Discovery Health Medical Scheme is the most popular medical aid in South Africa. Discovery Health ensures that your healthcare is in good hands, choose from 25 health plan options tailored to your specific health and budgetary requirements.
Discovery Health History
With the assistance of Rand Merchant Bank, Discovery Limited is created in 1992 as a small specialist risk insurance company. Discovery Health Medical Scheme (DHMS or the Scheme) is a non-profit medical scheme that runs on social solidarity principles, pooling member payments and managing them to support member healthcare fairly.
Discovery Essential Saver
Benefits & Options – 2024 Updates
Essential Saver Hospital Plan With Savings Application
Should you need help applying for the Essential Saver Hospital Plan With Savings, please make use of our Medical Aid Application Form Help Page, and one of our Discovery consultants will contact you about the Essential Saver Hospital Plan Options.
WHY USE OUR SERVICES?
Our medical aid consultants at Informed Healthcare Solutions are ready to assist you in getting the best possible benefits to premium value.
In conclusion, we invite you to give us a call on +27 21 712 8866 at any point in your decision-making process for further information about the Essential Saver Hospital Plan With Savings.
Essential Saver 2024 FAQS
What is the Essential Saver Hospital Plan by Discovery Health?
The Essential Saver Hospital Plan offers unlimited private hospital cover in any hospital and at network hospitals. Essential Saver provides full cover for approved doctors and specialists. Doctors without a Discovery payment arrangement are covered up to 100% Discovery Health Rate (DHR). Day-to-day expenses are paid from a Essential Saver savings account. There is comprehensive cover for cancer, chronic medicine and maternity benefits.
Does the Medical Savings Account (MSA) work like a regular bank account?
No the Medical Savings Account (MSA) is a 10% portion of the Essential Saver members monthly contribution. The member can only use these funds to pay for day-to-day medical expenses, and any unused monies will be carried over to the following year.
What is the Discovery Health Rate (DSR)?
Essential Saver pays claims for doctors and specialists without a payment arrangement up to the Discovery Health Rate. If your healthcare professional charges a higher rate (200%) than the Discovery Health Rate, Essential saver will only refund you 100% of the Discovery Health Rate, the member is responsible for paying the difference.
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