Classic Smart Saver 2026
Network Hospital Plan With Savings
The Discovery Classic Smart Saver plan is ideal for many young families dealing with rising cost of living. It’s clear that South Africans need affordable medical aid, including savings for day-to-day medical expenses. The Classic Smart Saver plan addresses this problem by offering a low premium and unlimited cover for private network hospitals.
Classic Smart Saver 2026 Options & Benefits
Classic Smart Saver 2026 Options And Benefits: Families don’t have to worry about incurring hefty, unexpected costs because the Classic Smart Saver Network Hospital plan covers all hospital stays. It ensures risk-funded benefits for crucial everyday health care, such as unlimited visits to a Smart Network GP, yearly check-ups with a dentist and an optometrist. As well as, acute and over-the-counter medications, birth control, and benefits for sports injuries.
The plan also includes giving birth, having a chronic illness, having cancer, and mental health issues. Members can pay for specific healthcare requirements using a Medical Savings Account and a Personal Health Fund, giving them more options.
Smart Day-To-Day Benefits
Both the Discovery Classic Smart Saver and Essential Smart Saver plans include unlimited Smart Network day-to-day cover, such as:
- Private Smart Network Hospital Cover – The Smart Hospital Network’s unlimited hospital admissions safeguard families from unexpected expenses while still providing access to high-quality treatment.
- Risk-funded Smart day-to-day benefits – Unlimited cover includes Smart Network GP visits, one annual dental and optometrist check-ups, and generous over the counter medications and contraceptives.
- Flexible Smart Savings Account – A combination of a Medical Savings and a Personal Health Fund provides funds for day-to-day treatment.
200% Cover For In-hospital Professionals
Classic Smart Saver members receive unlimited cover for healthcare professionals at Smart Network hospitals. Discovery pays up to two times the Discovery Health Rate (200%).
Get A Classic Smart Saver Quote
Please use our convenient Classic Smart 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 2026 Classic Smart Saver plan benefit updates in the table below.
Get A Quote!
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 Classic Smart Saver
Benefits & Options – 2026 Updates
Discovery Classic Smart Saver - Day-to-day Network Hospital Plan With Savings |
|
|---|---|
| Premium | Main Member |
| R3,350 | |
| Adult Dependent | |
| R2,840 | |
| Child | |
| R1,400 | |
| Savings | Main Member |
| R2,820 | |
| Adult Dependent | |
| R2,388 | |
| Child | |
| R1,176 | |
| Benefits | 200% scheme rate in-hospital: Smart hospitals |
| Oncology: R250 000 per member, therafter 20% co-payment | |
| Cover for 27 chronic diseases: medication from DSP | |
| R12 650 upfront payment for usage of a non network hospital for a planned procedure. | |
| Cover for 27 chronic diseases: medication from DSP | |
| MRI/CT scans: Unlimited if part of hospital procedure: | |
| MRI/CT scans: Out of hospital: R4000 paid by member, balance hospital benefit: certain limitations | |
| GP visits: Unlimited with network provider and a R75 co-payment per visit | |
| Specialists for sports related injuries only | |
| Acute medication R3300 per family pa, over the counter R905 per family pa | |
| Personal Health Pathways & Personal HealthFund | |
Classic Smart Saver Hospital Plan Application
Should you need help applying for the Classic Smart Saver Hospital Plan, please make use of our Medical Aid Application Form Help Page, and one of our Discovery consultants will contact you about the Active Smart 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 Classic Smart Saver Hospital Plan.
View Benefits On Discovery Website.
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Classic Smart Saver 2026 FAQS
What is the Classic Smart Saver plan by Discovery Health?
The new Classic Smart Saver plan from Discovery Health Medical Scheme is designed for young families that want affordable, full Network hospital cover, and flexible day-to-day healthcare. Smart Hospital Network offers unlimited hospital visits, full coverage for network specialists, and up to 200% of the Discovery Health Rate (DHR) for non-network specialists. Unlimited Smart Network GP visits, annual dental and optometry check-ups, acute and over-the-counter medicine, contraception, sports and children’s injury benefits, maternity, chronic illness management, oncology, and mental healthcare are risk-funded.
What are the Classic Smart Saver plan Preventive Care benefits?
Discovery Health Classic Smart Saver offers comprehensive preventive care. These benefits cover various diagnostic procedures to detect early warning signs of serious diseases. This includes blood tests, mammograms, and a variety of screenings are covered by these benefits. All members and dependents who have undergone health exams can use the WELLTH Fund once per lifetime for extra screening and preventive healthcare.
Does the Classic Smart Saver plan cover maternity?
Yes, the Discovery Health Classic Smart Saver covers pregnancy. Antenatal and postnatal consultations, and the private ward are covered during the delivery. Members pay 25% for breast pumps and smart thermometers. The plan also covers unlimited GP visits, specialist consultations, and maternity benefits, including eight GP, gynaecologist, or midwife appointments; five antenatal or postnatal classes; and mental health consultations.