Discovery Health Comparisons – 2026 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 2026 updates in the tables below.
Please feel free to use our convenient quote form provided. Our consultants will assist you in analysing your healthcare needs and supply easy to understand Medical Aid Comparisons and Quotes.
Discovery Health PlansCompare 13 Medical Aid Plans – 2026 Updates
Table Of ContentsDiscovery Medical Aid
Click/Tap on the links below to scroll to your table of interest.
Discovery Keycare Start - Network Plan |
|
|---|---|
| Premium | |
| Income Band | R0 - R10500 |
| Main Member R1331 | |
| Adult Dependent R1331 | |
| Child R811 | |
| Income Band | R10551-R15950 |
| Main Member R1952 | |
| Adult Dependent R1982 | |
| Child R878 | |
| Income Band | R15951 - R24250 |
| Main Member R3063 | |
| Adult Dependent R3063 | |
| Child R919 | |
| Income Band | R24251+ |
| Main Member R3488 | |
| Adult Dependent R3488 | |
| Child R949 | |
| Benefits | 100% scheme rate in-hospital - Keycare Start hospitals to be used |
| Network hospitals, GP's and Specialists to be used | |
| Covers 27 chronic diseases: subject to formulary | |
| Chronic cover state hospital only: Dialysis state only. | |
| Exclusions on certain procedures apply | |
| Oncology ( State hospital) PMB | |
| MRI/CT scans: out of hospital paid up to the specialist benefit | |
| Personal Health Pathways & Personal HealthFund | |
Discovery Essential Smart - Network Plan |
|
|---|---|
| Premium | Main Member |
| R2,021 | |
| Adult Dependent | |
| R2,021 | |
| Child | |
| R2,021 | |
| Benefits | 100% scheme rate in-hospital - Smart hospitals |
| Specialists who have an arrangement with Discovery covered in full | |
| Smart hospitals to be used: R12 650 upfront payment for use of non DSP for planned procedures | |
| Dialysis: State only | |
| Oncology: R250 000 per member, therafter 20% co-payment | |
| 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 R130 co-payment per visit | |
| Specialists for member's account: some limited dentistry and over the counter medication cover | |
| Personal Health Pathways & Personal HealthFund | |
Discovery Coastal Saver - Hospital Network Plan With Savings |
|
|---|---|
| Premium | Main Member |
| R3,797 | |
| Adult Dependent | |
| R2,855 | |
| Child | |
| R1,533 | |
| Savings | Main Member |
| R6,828 | |
| Adult Dependent | |
| R5,136 | |
| Child | |
| R2,760 | |
| Benefits | 100% scheme rate in-hospital - Coastal Hospitals |
| Specialists who have an arrangement with Discovery covered in full | |
| Oncology: R250 000 per member, therafter 20% co-payment | |
| Cover for 27 chronic diseases: medication from DSP. Must use a network GP to manage or co-payments | |
| Day to day expenses paid from savings. | |
| MRI/CT scans: unlimited if part of hospital procedure. | |
| MRI/CT scans: Out of hospital: R4000 from savings, balance hospital benefit: certain limitations | |
| Personal Health Pathways & Personal HealthFund | |
Discovery Active Smart - Network Plan |
|
|---|---|
| Premium | Main Member |
| R1,350 | |
| Adult Dependent | |
| R1,350 | |
| Child | |
| R1,350 | |
| Benefits | 100% scheme rate in-hospital - Networks through Ask Discovery on the app |
| Specialists who have an arrangement with Discovery covered in full | |
| Smart hospitals to be used: R15 300 upfront payment for use of non DSP for planned procedures | |
| R7750 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 R555 per annum | |
| No day to day maternity benefit - subject to day to day benefits | |
| Personal Health Pathways & Personal HealthFund | |
Request A Discovery Health Comparisons Quote
For finer details and/or pricing on any of the above Discovery Health Comparisons, just fill in our Medical Aid Quote Request form and we will get back to you promptly.
Discovery Application Form
If you need help applying, why not make use of our Medical Aid Application Form Help Page, and one of our consultants will contact you to assist.
Telephonic Help
Finally, we invite you to contact us on +27 21 712 8866 at any point in your decision making process for further information on the Discovery Health Comparisons. Discovery Health Plans.
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