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Classic Smart 2024 Options & Benefits

Classic Smart 2024 Options And Benefits: The Classic Smart Hospital Plan Only is Discovery Health’s most affordable medical aid plan.  Classic Smart Benefits offer full cover for private hospitalization at any network hospital, with cover for in-hospital specialists at up to 200% of the Discovery rate. Chronic medication for Chronic Disease List (CDL) illnesses are covered when using a MedXpress pharmacy, and there is a variety of day-to-day benefits.

This is a fantastic choice for entry-level South Africans looking for both Network Hospital Cover, and want to manage their Limited Day-to-day medical expenses.

Limited Day-To-Day Medical Aid

The Classic Smart Hospital Plan includes day-to-day cover for unlimited network GP visits, affordable co-payments apply:

  • GP co-payment only R65 per visit,
  • One optometrist visit – R120 co-payment,
  • Sports-related injuries – R120 co-payment,
  • One dental visit – R120 co-payment,
  • T&C’s apply.

Full cover for selected acute and over-the-counter drugs from a Smart Network Pharmacy.

Essential Screening And Prevention Benefit

The Screening And Prevention Benefit covers specific tests that can detect early illnesses. Classic Smart wellness providers offer a range of screening tests, including:

  • Blood glucose,
  • Cholesterol,
  • HIV,
  • Pap smear,
  • Ultrasounds,
  • Prostate screenings.

Get A Classic Smart Quote

Please use our convenient Classic Smart 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 Classic Smart plan updates in the table below.

  discovery classic smart options and benefits hospital plan only patient having blood pressure taken

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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 Classic Smart

Benefits & Options – 2024 Updates

Column 1 Column 2 Column 3 Column 4


Monthly Contributions
Main Member R2 627 --- ---
Spouse/Adult dependent R2 073 --- ---
Child (Max 3) R1 049 --- ---
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. --- --- ---

Classic Smart Hospital Plan Application

Should you need help applying for the Classic Smart Hospital Plan, please make use of our Medical Aid Application Form Help Page, and one of our Discovery consultants will contact you about the Classic Smart Options.


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 Classic Smart Hospital Plan.

View Benefits On Discovery Website.

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Classic Smart 2024 FAQS

What is the Classic Smart Hospital Plan by Discovery Health?

The Classic Smart Network offers unlimited private hospital cover, and full cover for approved specialists. Classic Smart members have cover for to up to 200% of their Discovery Health Rates. Discovery’s Classic Smart Hospital Plan covers comprehensive prenatal and postnatal healthcare services, day-to-day GP visits, OTC medications, eye and dental examinations, and sports-related injuries. The Classic Smart Benefits include fixed co-payments, and travel insurance for medical emergencies.

Does the Classic Smart Plan offer access to the Discovery WELLTH Fund?

The WELLTH Fund provides screening and prevention healthcare services to Classic Smart members and dependents who have completed their health assessments. All Classic Smart members can use the various WELLTH Fund screening and preventative healthcare treatments up to its limit.

What are the Classic Smart Hospital Plan maternity benefits?

The Classic Smart maternity benefits offer specialists at 200% Discovery Health Rate, and instant full medical aid cover for infants at birth. Classic Smart includes eight appointments with GPs, gynaecologists, or midwives, as well as five prenatal or postnatal classes. The Maternity Benefits include Postpartum appointments, nutritional assessments, mental health and breastfeeding consultations, and savings on stem cell banking. Fixed co-payments and travel insurance are also provided.

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