Discovery Health Medical Aid Comparison - 2010 Plans
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Discovery Health is by far the biggest medical aid scheme in South Africa and tends to dominate the industry. Their Global Credit Rating is the highest available (AA) and total membership is in excess of 2 million lives. They are an extremely innovative company and introduced a number of new concepts to the industry, including introducing the new generation savings plan schemes.
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IN HOSPITAL BENEFIT |
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100% MSR |
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No Overall Annual Limit |
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Annual Sub-limits per person: |
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Mental Health Benefit |
21 days |
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Terminal Care Benefit |
R 23,400 |
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Alcohol and Drug |
21 days |
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Rehabilitation |
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Internal Prostheses: |
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See detailed benefit schedule |
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Designed for members in coastal |
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provinces using a Network of |
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Coastal Hospitals |
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CHRONIC MEDICATION BENEFIT |
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100% MSR |
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27 PMB Chronic Disease Conditions |
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Subject to scheme formulary |
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ANNUAL DAY TO DAY BENEFIT
(including savings) |
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No Benefit |
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ANNUAL THRESHOLD BENEFIT |
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Does not apply |
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MONTHLY CONTRIBUTIONS |
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Principal Member |
R 759 |
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Spouse/Adult dependant |
R 569 |
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Per Child (Max 3) |
R 303 |
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IN HOSPITAL BENEFIT |
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100% MSR |
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No Overall Annual Limit |
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Network Hospitals to be used |
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Annual Sub-limits per person: |
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Mental Health Benefit |
21 days |
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Terminal Care Benefit |
R 23,400 |
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Alcohol and Drug |
21 days |
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Rehabilitation |
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Internal Prostheses: |
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See detailed benefit schedule |
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CHRONIC MEDICATION BENEFIT |
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100% MSR |
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27 PMB Chronic Disease Conditions |
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Subject to scheme formulary |
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ANNUAL DAY TO DAY BENEFIT
(including savings) |
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No Benefit |
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ANNUAL THRESHOLD BENEFIT |
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Does not apply |
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MONTHLY CONTRIBUTIONS |
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Principal Member |
R 718 |
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Spouse/Adult dependant |
R 538 |
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Per Child (Max 3) |
R 288 |
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IN HOSPITAL BENEFIT |
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200% MSR |
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No Overall Annual Limit |
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Annual Sub-limits per person: |
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Mental Health Benefit |
21 days |
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Terminal Care Benefit |
R 23,400 |
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Alcohol and Drug |
21 days |
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Rehabilitation |
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Internal Prostheses: |
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See detailed benefit schedule |
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CHRONIC MEDICATION BENEFIT |
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100% MSR |
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27 PMB Chronic Disease Conditions |
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Subject to scheme formulary |
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ANNUAL DAY TO DAY BENEFIT
(including savings) |
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No Benefit |
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ANNUAL THRESHOLD BENEFIT |
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Does not apply |
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MONTHLY CONTRIBUTIONS |
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Principal Member |
R 1,045 |
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Spouse/Adult dependant |
R 823 |
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Per Child (Max 3) |
R 418 |
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IN HOSPITAL BENEFIT |
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100%MSR |
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No Overall Annual Limit |
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Annual Sub-limits per person: |
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Mental Health Benefit |
21 days |
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Terminal Care Benefit |
R 23,400 |
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Alcohol and Drug |
21 days |
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Rehabilitation |
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Internal Prostheses: |
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See detailed benefit schedule |
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Designed for memebers in coastal |
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provinces |
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CHRONIC MEDICATION BENEFIT |
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100% MSR |
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27 PMB Chronic Disease Conditions |
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Subject to scheme formulary |
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ANNUAL DAY TO DAY BENEFIT
(including savings) |
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100% MSR |
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Limits per annum: |
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Member |
R 3,252 |
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Member+Spouse |
R 5,688 |
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Member+Spouse+Child1 |
R 6,996 |
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Member+Spouse+Child2 |
R 8,304 |
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Member+Spouse+Child3 |
R 9,612 |
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Member+Child 1 |
R 4,560 |
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Add. New Insured Network Benefit |
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ANNUAL THRESHOLD BENEFIT |
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Does not apply |
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MONTHLY CONTRIBUTIONS |
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Principal Member |
R 1,086 |
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Spouse/Adult dependant |
R 813 |
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Per Child (Max 3) |
R 437 |
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IN HOSPITAL BENEFIT |
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100% MSR |
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No Overall Annual Limit |
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Annual Sub-limits per person: |
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Mental Health Benefit |
21 days |
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Terminal Care Benefit |
R 23,400 |
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Alcohol and Drug |
21 days |
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Rehabilitation |
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Internal Prostheses: |
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See detailed benefit schedule |
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CHRONIC MEDICATION BENEFIT |
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100% MSR |
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27 MB Chronic Disease Conditions |
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Subject to scheme formulary |
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ANNUAL DAY TO DAY BENEFIT
(including savings) |
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100% MSR |
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Limits per annum: |
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Member |
R 2,004 |
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Member+Spouse |
R 3,504 |
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Member+Spouse+Child1 |
R 4,296 |
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Member+Spouse+Child2 |
R 5.088 |
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Member+Spouse+Child3 |
R 5,880 |
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Member+Child 1 |
R 2,796 |
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Add. New Insured Network Benefit |
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ANNUAL THRESHOLD BENEFIT |
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Does not apply |
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MONTHLY CONTRIBUTIONS |
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Principal Member |
R 1,116 |
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Spouse/Adult dependant |
R 836 |
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Per Child (Max 3) |
R 445 |
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IN HOSPITAL BENEFIT |
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100% MSR |
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No Overall Annual Limit |
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Network Hospitals to be used |
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Annual Sub-limits per person: |
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Mental Health Benefit |
21 days |
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Terminal Care Benefit |
R 23,400 |
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Alcohol and Drug |
21 days |
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Rehabilitation |
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CHRONIC MEDICATION BENEFIT |
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100% MSR |
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27 PMB Chronic Disease Conditions |
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Subject to scheme formulary |
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ANNUAL DAY TO DAY BENEFIT
(including savings) |
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100% MSR |
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Limits per annum: |
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Member |
R 3,360 |
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Member+Spouse |
R 6,012 |
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Member+Spouse+Child1 |
R 7,356 |
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Member+Spouse+Child2 |
R 8,700 |
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Member+Spouse+Child3 |
R 10,044 |
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Member+Child 1 |
R 4,704 |
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Add. New Insured Network Benefit |
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ANNUAL THRESHOLD BENEFIT |
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Does not apply |
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MONTHLY CONTRIBUTIONS |
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Principal Member |
R 1,122 |
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Spouse /Adult |
R 884 |
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dependant |
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Per Child (Max 3) |
R 449 |
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IN HOSPITAL BENEFIT |
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200% MSR |
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No Overall Annual Limit |
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Annual Sub-limits per person: |
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Mental Health Benefit |
21 days |
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Terminal Care Benefit |
R 23,400 |
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Alcohol and Drug |
21 days |
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Rehabilitation |
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Internal Prostheses: |
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See detailed benefit schedule |
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CHRONIC MEDICATION BENEFIT |
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100% MSR |
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27 MB Chronic Disease Conditions |
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Subject to scheme formulary |
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ANNUAL DAY TO DAY BENEFIT
(including savings) |
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100% MSR |
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Limits per annum: |
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Member |
R 4,212 |
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Member+Spouse |
R 7,524 |
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Member+Spouse+Child1 |
R 9,204 |
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Member+Spouse+Child2 |
R 10.884 |
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Member+Spouse+Child3 |
R 12,564 |
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Member+Child 1 |
R 5,892 |
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Add. New Insured Network Benefit |
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ANNUAL THRESHOLD BENEFIT |
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Does not apply |
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MONTHLY CONTRIBUTIONS |
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Principal Member |
R 1,404 |
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Spouse/Adult dependant |
R 1,105 |
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Per Child (Max 3) |
R 562 |
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IN HOSPITAL BENEFIT |
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200% MSR |
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No Overall Annual Limit |
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Co-payments apply for certain |
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procedures |
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Annual Sub-limits per person: |
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Mental Health Benefit |
21 days |
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Terminal Care Benefit |
R 23,400 |
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Alcohol and Drug |
21 days |
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Rehabilitation |
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Internal Prostheses: |
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See detailed benefit schedule |
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CHRONIC MEDICATION BENEFIT |
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100% MSR |
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27 MB Chronic Disease Conditions |
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Subject to scheme formulary |
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ANNUAL DAY TO DAY BENEFIT
(including savings) |
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100% MSR |
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Limits per annum: |
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Member |
R 4,716 |
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Member+Spouse |
R 8,424 |
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Member+Spouse+Child1 |
R 10,308 |
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Member+Spouse+Child2 |
R 12.192 |
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Member+Spouse+Child3 |
R 14,076 |
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Member+Child 1 |
R 6,600 |
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Add. New Insured Network Benefit |
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ANNUAL THRESHOLD BENEFIT |
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Principal Member |
R 6,800 |
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Spouse/Adult dependant |
R 5,070 |
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Per Child (Max 3) |
R 2,250 |
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MONTHLY CONTRIBUTIONS |
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Principal Member |
R 1,574 |
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Spouse/Adult dependant |
R 1,238 |
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Per Child (Max 3) |
R 630 |
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IN HOSPITAL BENEFIT |
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200% MSR |
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No Overall Annual Limit |
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Network Hospitals to be used |
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Annual Sub-limits per person: |
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Mental Health Benefit |
21 days |
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Terminal Care Benefit |
R 23,400 |
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Alcohol and Drug |
21 days |
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Rehabilitation |
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Internal Prostheses: |
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See detailed benefit schedule |
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CHRONIC MEDICATION BENEFIT |
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100% MSR |
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61 PMB Chronic Disease Conditions |
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Subject to scheme formulary |
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ANNUAL DAY TO DAY BENEFIT
(including savings) |
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100% MSR |
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Limits per annum: |
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Member |
R 6,336 |
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Member+Spouse |
R 12,324 |
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Member+Spouse+Child1 |
R 13,584 |
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Member+Spouse+Child2 |
R 14,844 |
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Member+Spouse+Child3 |
R 16,104 |
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Member+Child 1 |
R 7,596 |
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Add. New Insured Network Benefit |
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ANNUAL THRESHOLD BENEFIT |
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Principal Member |
R 7,700 |
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Spouse/Adult independant |
R 7,700 |
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Per Child (Max 3) |
R 1,450 |
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MONTHLY CONTRIBUTIONS |
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Principal Member |
R 2,113 |
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Spouse/Adult dependant |
R 1,998 |
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Per Child (Max 3) |
R 442 |
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IN HOSPITAL BENEFIT |
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200% MSR |
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No Overall Annual Limit |
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Annual Sub-limits per person: |
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Mental Health Benefit |
21 days |
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Terminal Care Benefit |
R 23,400 |
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Alcohol and Drug |
21 days |
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Rehabilitation |
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Internal Prostheses: |
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See detailed benefit schedule |
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CHRONIC MEDICATION BENEFIT |
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100% MSR |
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61 PMB Chronic Disease Conditions |
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Subject to scheme formulary |
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ANNUAL DAY TO DAY BENEFIT
(including savings) |
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100% MSR |
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Limits per annum: |
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Member |
R 7,044 |
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Member+Spouse |
R 13,704 |
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Member+Spouse+Child1 |
R 15,108 |
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Member+Spouse+Child2 |
R 16,512 |
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Member+Spouse+Child3 |
R 17,916 |
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Member+Child 1 |
R 8,448 |
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Add. New Insured Network Benefit |
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ANNUAL THRESHOLD BENEFIT |
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Principal Member |
R 7,700 |
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Spouse/Adult independant |
R 7,700 |
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Per Child (Max 3) |
R 1,450 |
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MONTHLY CONTRIBUTIONS |
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Principal Member |
R 2,348 |
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Spouse/Adult dependant |
R 2,220 |
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Per Child (Max 3) |
R 469 |
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|
|
|
|
|
|
|
| |
IN HOSPITAL BENEFIT |
|
| |
100% MSR |
|
| |
No Overall Annual Limit |
|
| |
Network Hospitals to be used |
|
| |
Annual Sub-limits per person: |
|
| |
Mental Health Benefit |
21 days |
|
| |
Terminal Care Benefit |
R 16,950 |
|
| |
Alcohol and Drug |
21 days |
|
| |
Rehabilitation |
|
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
| |
CHRONIC MEDICATION BENEFIT |
|
| |
100% MSR |
|
| |
27 PMB Chronic Disease Conditions |
|
| |
Subject to scheme formulary |
|
| |
|
|
|
|
|
|
|
|
| |
ANNUAL DAY TO DAY BENEFIT
(including savings) |
|
| |
Does not apply |
|
| |
|
|
|
| |
|
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
|
| |
ANNUAL THRESHOLD BENEFIT |
|
| |
Does not apply |
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
| |
MONTHLY CONTRIBUTIONS |
|
| |
Income p/m: |
R0 - R6,000 |
|
| |
Principal Member |
R 396 |
|
| |
Spouse /Adult |
R 396 |
|
| |
dependant |
|
|
| |
Per Child (Max 3) |
R99 |
|
| |
|
|
|
| |
Income p/m: |
R6,001 - R8,000 |
|
| |
Principal Member |
R 492 |
|
| |
Spouse /Adult |
R 492 |
|
| |
dependant |
|
|
| |
Per Child (Max 3) |
R 123 |
|
| |
|
|
|
| |
Income p/m: |
R8,001+ |
|
| |
Principal Member |
R 761 |
|
| |
Spouse /Adult |
R 761 |
|
| |
dependant |
|
|
| |
Per Child (Max 3) |
R 171 |
|
| |
|
|
|
| |
|
|
|
| |
|
|
|
| |
|
|
|
| |
|
|
|
| |
|
|
|
| |
|
|
|
| |
|
|
|
| |
|
|
|
| |
|
|
|
| |
|
|
|
|
|
|
|
| |
IN HOSPITAL BENEFIT |
|
| |
100% MSR |
|
| |
No Overall Annual Limit |
|
| |
Network Hospitals to be used |
|
| |
Annual Sub-limits per person: |
|
| |
Mental Health Benefit |
21 days |
|
| |
Terminal Care Benefit |
R 16,950 |
|
| |
Alcohol and Drug |
21 days |
|
| |
Rehabilitation |
|
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
| |
CHRONIC MEDICATION BENEFIT |
|
| |
100% MSR |
|
| |
27 PMB Chronic Disease Conditions |
|
| |
Subject to scheme formulary |
|
| |
|
|
|
|
|
|
|
|
| |
ANNUAL DAY TO DAY BENEFIT
(including savings) |
|
| |
100% MSR |
|
| |
GP's: |
No Limit from KeyCare |
|
| |
|
Network Providers |
|
| |
Specialists: |
R 2, 000 per person |
|
| |
|
Network Providers. |
|
| |
Conservative Dentistry: |
|
| |
|
No Limit from KeyCare |
|
| |
|
Network Providers. |
|
| |
|
|
|
| |
|
|
|
| |
|
|
| |
|
|
|
| |
ANNUAL THRESHOLD BENEFIT |
|
| |
Does not apply |
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
| |
MONTHLY CONTRIBUTIONS |
|
| |
Income p/m: R0 - R3,750 |
|
| |
Principal Member |
R 412 |
|
| |
Spouse /Adult |
R 412 |
| |
dependant |
|
|
| |
Per Child (Max 3) |
R110 |
|
| |
|
|
|
| |
Income p/m: R3,751-R6,000 |
|
| |
Principal Member |
R 494 |
|
| |
Spouse /Adult |
R 494 |
|
| |
dependant |
|
|
| |
Per Child (Max 3) |
R 143 |
|
| |
|
|
|
| |
Income p/m: R6,001 - R8,000 |
|
| |
Principal Member |
R 692 |
|
| |
Spouse /Adult |
R 692 |
|
| |
dependant |
|
|
| |
Per Child (Max 3) |
R 193 |
|
| |
|
|
|
| |
Income p/m: R8,001 + |
|
| |
Principal Member |
R 1,030 |
|
| |
Spouse /Adult |
R 1,030 |
|
| |
dependant |
|
|
| |
Per Child (Max 3) |
R 275 |
|
| |
|
|
|
| |
|
|
|
| |
|
|
|
| |
|
|
|
| |
|
|
|
|
|
| |
|
For more detailed information on any of the above Discovery Health plans, just click on the name of the relevant plan in the tables above. If you already know what you want, why not make use of our site to download the relevant Medical Aid Application form and then fax it back to us on 021 712 6626. Alternatively, if you would like us to confirm some of the finer details and/or pricing, just fill in our Medical Aid Quote Request form and we will get back to you promptly.
Finally, we invite you to contact us on +27 21 712-6686 at any point in your decision making process for further information on the Discovery Health Medical Aids.
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