Discovery Health Comparisons – 2023 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 2023 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 11 Medical Aid Plans – 2023 Updates
Table Of ContentsDiscovery Medical Aid
Click/Tap on the links below to scroll to your table of interest.
| Column 1 | Column 2 | Column 3 | Column 4 |
|---|---|---|---|
KEYCARE START - NETWORK PLAN |
|||
| Monthly Contributions | |||
| Income p/m | R0 - R10100 * |
R10 101 - R15250 ** |
R15251+ *** |
| Main Member | R1 239 * |
R2 085 ** |
R3 247 *** |
| Spouse/Adult dependent | R1 239 * |
R2 085 ** |
R3 247 *** |
| Child (Max 3) | R755 * |
R817 ** |
R883 *** |
| Benefits | |||
| 100% scheme rate in-hospital. | |||
| Network hospitals, GP's and Specialists to be used. | |||
| Covers 27 chronic diseases: subject to formulary State only. | |||
| Dialysis state only. | |||
| Exclusions on certain procedures apply. | |||
| Oncology ( State hospital) PMB. | |||
| MRI/CT scans: unlimited if part of hospital procedure. | |||
| MRI/CT scans: R2650 pp on specialist benefit if out of hospital. | |||
| --- |
| Column 1 | Column 2 | Column 3 | Column 4 |
|---|---|---|---|
COASTAL CORE - HOSPITAL PLAN ONLY |
|||
| Monthly Contributions | |||
| Main Member | R2 714 | --- | --- |
| Spouse/Adult dependent | R2 037 | --- | --- |
| Child (Max 3) | R1 078 | --- | --- |
| Benefits | |||
| 100% scheme rate in-hospital. | |||
| R6650 co-payment for the use of a non-network day hospital. | |||
| Specialists who have an arrangement with Discovery covered in full. | |||
| Oncology: R250 00 per member, therafter 20% co-payment. | |||
| Cover for 27 chronic diseases: medication from DSP. | |||
| MRI/CT scans: Unlimited if part of hospital procedure. | |||
| No day to day benefit. | |||
| --- | |||
| --- | |||
| --- |
| Column 1 | Column 2 | Column 3 | Column 4 |
|---|---|---|---|
ESSENTIAL SMART |
|||
| Monthly Contributions | |||
| Main Member | R1 881 | --- | --- |
| Spouse/Adult dependent | R1 881 | --- | --- |
| Child (Max 3) | R1 881 | --- | --- |
| Benefits | |||
| 100% scheme rate in-hospital. | |||
| Specialists who have an arrangement with Discovery covered in full. | |||
| Smart hospitals to be used: R11 650 upfront payment for use of non DSP for planned procedures. | |||
| Dialysis: State only. | |||
| Oncology: R250 00 per member, therafter 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: No cover for back and neck. | |||
| GP visits: Unlimited with network provider and a R120 co-payment per visit. | |||
| Specialists for member's account: some limited dentistry and acute medicine cover. | --- | --- | --- |
| Column 1 | Column 2 | Column 3 | Column 4 |
|---|---|---|---|
COASTAL SAVER - HOSPITAL PLAN WITH SAVINGS |
|||
| Contributions/Savings | |||
| Monthly Contributions | Savings | ||
| Main Member | R3 423 | R6 144 | |
| Spouse/Adult dependent | R2 574 | R4 632 | |
| Child (Max 3) | R1 382 | R2 484 Per Child | Per child |
| Benefits | |||
| 100% scheme rate in-hospital. | |||
| Specialists who have an arrangement with Discovery covered in full. | |||
| Oncology: R250 00 per member, therafter 20% co-payment. | |||
| Cover for 27 chronic diseases: medication from DSP. Must use a networlk GP to manage or co-payments. | |||
| Chronic medication from DSP. | |||
| Day to day expenses paid from savings. | |||
| MRI/CT scans: unlimited if part of hospital procedure. | |||
| MRI/CT scans: Out of hospital: R3670 from savings, balance hospital benefit: certain limitations. |
| Column 1 | Column 2 | Column 3 | Column 4 |
|---|---|---|---|
COASTAL SAVER - HOSPITAL PLAN WITH SAVINGS |
|||
| Contributions/Savings | |||
| Monthly Contributions * | Savings ** | ||
| Main Member | R3 423 * | R6 144 ** | |
| Spouse/Adult dependent | R2 574 * | R4 632 ** | |
| Child (Max 3) | R1 382 * | R2 484 (P/Child} ** | |
| Benefits | |||
| 100% scheme rate in-hospital. | |||
| Specialists who have an arrangement with Discovery covered in full. | |||
| Oncology: R250 00 per member, therafter 20% co-payment. | |||
| Cover for 27 chronic diseases: medication from DSP. Must use a networlk GP to manage or co-payments. | |||
| Chronic medication from DSP. | |||
| Day to day expenses paid from savings. | |||
| MRI/CT scans: unlimited if part of hospital procedure. | |||
| MRI/CT scans: Out of hospital: R3470 from savings, balance hospital benefit: certain limitations. |
| Column 1 | Column 2 | Column 3 | Column 4 |
|---|---|---|---|
ESSENTIAL DELTA SAVER - NETWORK HOSPITAL PLAN WITH SAVINGS |
|||
| Contributions/Savings | |||
| Monthly Contributions | Savings | ||
| Main Member | R2 673 | R3 192 | --- |
| Spouse/Adult dependent | R2 017 | R2 412 | --- |
| Child (Max 3) | R1 072 | R1 284 Per child | --- |
| Benefits | |||
| 100% scheme rate in-hospital. | |||
| Delta hospitals to be used. | |||
| R10 200 upfront payment for planned procedure in non-network hospital. | |||
| Specialists who have an arrangement with Discovery covered in full. | |||
| Oncology: R250 00 per member, therafter 20% co-payment. | |||
| Cover for 27 chronic diseases: Medication from DSP. Must use a network GP to manage or a co-payment applies. | |||
| Day to Day expenses from savings. | |||
| MRI/CT scans: unlimited if part of hospital procedure. | |||
| MRI/CT scans: Out of hospital: R3670 from savings, balance hospital benefit: certain limitations. | --- | --- | --- |
| Column 1 | Column 2 | Column 3 | Column 4 | |
|---|---|---|---|---|
ESSENTIAL DELTA SAVER - NETWORK HOSPITAL PLAN WITH SAVINGS |
||||
| Contributions/Savings | ||||
| Monthly Contributions * | Savings ** | |||
| Main Member | R2 673 * | R2 574 | R3 192 ** | --- |
| Spouse/Adult dependent | R2 017 * | R1 943 | R2 412 ** | --- |
| Child (Max 3) | R1 072 * | R1 033 | R1 284 (P/Child) ** | --- |
| Benefits | ||||
| 100% scheme rate in-hospital. | ||||
| Delta hospitals to be used. | ||||
| R10 200 upfront payment for planned procedure in non-network hospital. | ||||
| Specialists who have an arrangement with Discovery covered in full. | ||||
| Oncology: R250 00 per member, therafter 20% co-payment. | ||||
| Cover for 27 chronic diseases: Medication from DSP. Must use a network GP to manage or a co-payment applies. | ||||
| Day to Day expenses from savings. | ||||
| MRI/CT scans: unlimited if part of hospital procedure. | ||||
| MRI/CT scans: Out of hospital: R3670 from savings, balance hospital benefit: certain limitations. | --- | --- | --- |
| Column 1 | Column 2 | Column 3 | Column 4 |
|---|---|---|---|
CLASSIC COMPREHENSIVE |
|||
| Contributions/Savings/Annual Threshold | |||
| Monthly Contributions | Savings | Annual Threshold | |
| Main Member | R8 381 | R25 104 | R28 810 |
| Spouse/Adult dependent | R7 927 | R23 748 | R28 810 |
| Child (Max 3) | R1 671 | R5 004 P/Child | R5 500 |
| Benefits | |||
| 200% scheme rate in-hospital. | |||
| Specialists who have an arrangement with Discovery covered in full. | |||
| Oncology: R500 000 thereafter 20% co-payment. | |||
| Extended Oncology ahd Innovation Oncology benefit. | |||
| MRI/CT scans: unlimited if part of hospital procedure. | |||
| MRI/CT scans: Out of hospital: R3670 from savings, balance hospital benefit: certain limitations. | |||
| 27 chronic disease conditions, 22 additional disease conditions. | |||
| Specialised medicine and technology benefit: R200 000 pp per annum. | |||
| Acute medication from day to day, therafter from above threshold benefit: Limits apply. | --- | --- | --- |
| Column 1 | Column 2 | Column 3 | Column 4 |
|---|---|---|---|
CLASSIC COMPREHENSIVE |
|||
| Contributions/Savings/Annual Threshold | |||
| Monthly Contributions * | Savings ** | Annual Threshold *** | |
| Main Member | R8 381 * | R25 104 ** | R28 810 *** |
| Spouse/Adult dependent | R7 927 * | R23 748 ** | R28 810 *** |
| Child (Max 3) | R1 671 * | R5 004 P/Child ** | R5 500 *** |
| Benefits | |||
| 200% scheme rate in-hospital. | |||
| Specialists who have an arrangement with Discovery covered in full. | |||
| Oncology: R500 000 thereafter 20% co-payment. | |||
| Extended Oncology ahd Innovation Oncology benefit. | |||
| MRI/CT scans: unlimited if part of hospital procedure. | |||
| MRI/CT scans: Out of hospital: R3670 from savings, balance hospital benefit: certain limitations. | |||
| 27 chronic disease conditions, 22 additional disease conditions. | |||
| Specialised medicine and technology benefit: R200 000 pp per annum. | |||
| Acute medication from day to day, therafter from above threshold benefit: Limits apply. | --- | --- | --- |
| Column 1 | Column 2 | Column 3 | Column 4 |
|---|---|---|---|
KEYCARE PLUS - NETWORK PLAN |
|||
| Monthly Contributions | |||
| Income p/m | R0 - R9450 * |
R9451 - R15250 ** |
'R15251+ *** |
| Main Member | R1 652 * |
R2 271 ** |
R3 354 *** |
| Spouse/Adult dependent | R1 652 * |
R2 271 ** |
R3 354 *** |
| Child (Max 3) | R601 * |
R640 ** |
R897 *** |
| Benefits | |||
| 100% scheme rate in-hospital. | |||
| Network hospitals, GP's and Specialists to be used. | |||
| Covers 27 chronic diseases: Medication DSP and formulary applies. Members must use a network GP to manage chronic conditions or a co-payment applies. | |||
| Dialysis: full cover through network providers Exclusions on certain procedures apply | |||
| Exclusions on certain procedures apply. | |||
| Oncology: PMB. | |||
| MRI/CT scans: unlimited if part of hospital procedure. | |||
| MRI/CT scans: R2650 pp on specialist benefit if out of hospital. |
| Column 1 | Column 2 | Column 3 | Column 4 |
|---|---|---|---|
ESSENTIAL CORE - HOSPITAL PLAN ONLY |
|||
| Monthly Contributions | |||
| Main Member | R2 855 | --- | --- |
| Spouse/Adult dependent | R2 141 | --- | --- |
| Child (Max 3) | R1 146 | --- | --- |
| Benefits | |||
| 100% scheme rate in-hospital. | |||
| Specialists who have an arrangement with Discovery covered in full. | |||
| Oncology: R250 00 per member, therafter 20% co-payment. | |||
| Cover for 27 chronic diseases: medication from DSP. | |||
| MRI/CT scans: Unlimited if part of hospital procedure. | |||
| No day to day benefit. | |||
| --- | |||
| --- | |||
| --- | |||
| --- | |||
| --- |
| Column 1 | Column 2 | Column 3 | Column 4 |
|---|---|---|---|
CLASSIC SMART |
|||
| Monthly Contributions | |||
| Main Member | R2 412 | --- | --- |
| Spouse/Adult dependent | R1 903 | --- | --- |
| Child (Max 3) | R933 | --- | --- |
| Benefits | |||
| 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. | --- | --- | --- |
| Column 1 | Column 2 | Column 3 | Column 4 |
|---|---|---|---|
ESSENTIAL SAVER - HOSPITAL PLAN WITH SAVINGS |
|||
| Contributions/Savings | |||
| Monthly Contributions | Savings | ||
| Main Member | R3 351 | R4 008 | --- |
| Spouse/Adult dependent | R2 514 | R3 012 | --- |
| Child (Max 3) | R1 342 | R1 596 Per child | --- |
| Benefits | |||
| 100% scheme rate in-hospital. | |||
| Specialists who have an arrangement with Discovery covered in full. | |||
| Oncology: R250 00 per member, therafter 20% co-payment. | |||
| Cover for 27 chronic diseases: medication from DSP Must use a network GP to manage or co-payments apply. | |||
| Day to Day expenses from savings. | |||
| MRI/CT scans: unlimited if part of hospital procedure. | |||
| MRI/CT scans: Out of hospital: R3670 from savings, balance hospital benefit: certain limitations. | |||
| --- |
| Column 1 | Column 2 | Column 3 | Column 4 |
|---|---|---|---|
ESSENTIAL SAVER - HOSPITAL PLAN WITH SAVINGS |
|||
| Contributions/Savings | |||
| Monthly Contributions * | Savings ** | ||
| Main Member | R3 351 * | R4 008 ** | --- |
| Spouse/Adult dependent | R2 514 * | R3 012 ** | --- |
| Child (Max 3) | R1 342 * | R1 596 Per child ** | --- |
| Benefits | |||
| 100% scheme rate in-hospital. | |||
| Specialists who have an arrangement with Discovery covered in full. | |||
| Oncology: R250 00 per member, therafter 20% co-payment. | |||
| Cover for 27 chronic diseases: medication from DSP Must use a network GP to manage or co-payments apply. | |||
| Day to Day expenses from savings. | |||
| MRI/CT scans: unlimited if part of hospital procedure. | |||
| MRI/CT scans: Out of hospital: R3670 from savings, balance hospital benefit: certain limitations. | |||
| --- |
| Column 1 | Column 2 | Column 3 | Column 4 |
|---|---|---|---|
CLASSIC SAVER - HOSPITAL PLAN WITH SAVINGS |
|||
| Contributions/Savings | |||
| Monthly Contributions | Savings | ||
| Main Member | R4 182 | R10 020 | --- |
| Spouse/Adult dependent | R3 299 | R7 908 | --- |
| Child (Max 3) | R1 676 | R4 020 Per child | --- |
| Benefits | |||
| 200% scheme rate in-hospital. | |||
| Specialists who have an arrangement with Discovery covered in full. | |||
| Oncology: R250 00 per member, therafter 20% co-payment. | |||
| Cover for 27 chronic diseases: Medication subject to scheme formulary:Must use a network GP to manage or co-payment applies. | |||
| Day to Day expenses from savings. | |||
| MRI/CT scans: unlimited if part of hospital procedure. | |||
| MRI/CT scans R3670 upfront payment if out of hospital paid from savings. |
| Column 1 | Column 2 | Column 3 | Column 4 | |
|---|---|---|---|---|
CLASSIC SAVER - HOSPITAL PLAN WITH SAVINGS |
||||
| Contributions/Savings | ||||
| Monthly Contributions * | Savings ** | |||
| Main Member | R4 182 * | R2 574 | R10 020 ** | --- |
| Spouse/Adult dependent | R3 299 * | R1 943 | R7 908 ** | --- |
| Child (Max 3) | R1 676 * | R1 033 | R4 020 (P/Child) ** | --- |
| Benefits | ||||
| 100% scheme rate in-hospital. | ||||
| Specialists who have an arrangement with Discovery covered in full. | ||||
| Oncology: R250 00 per member, therafter 20% co-payment. | ||||
| Cover for 27 chronic diseases: Medication subject to scheme formulary:Must use a network GP to manage or co-payment applies. | ||||
| Day to Day expenses from savings. | ||||
| MRI/CT scans: unlimited if part of hospital procedure. | ||||
| MRI/CT scans R3670 upfront payment if out of hospital paid from savings. |
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