Discovery Health Comparisons – 2020 Medical Aid Plans
Discovery Health Comparisons: 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.
Compare Discovery’s latest 2020 plan updates in the tables below.
Medical Aid Quotes | Gap Cover Quotes | Life Insurance | Vitality
Discovery Health PlansCompare Medical Aid Plans - 2020 Updates
| DISCOVERY | |||
| KEYCARE START - Network Plan | |||
| MONTHLY CONTRIBUTIONS | |||
| Income p/m | R0-R9,150 | R9,151-R13,800 | R13,801+ |
| Principal Member | R 914 | R 1,538 | R 2,394 |
| Spouse/Adult Dependant | R 914 | R 1,538 | R 2,394 |
| Per Child (Max 3) | R 550 | R 601 | R 650 |
| IN HOSPITAL BENEFIT | |||
| 2020 BENEFITS | |||
| 100% Scheme Rate | |||
| No Overall Annual Limit | |||
| Full Cover Network Hospitals to be used. | |||
| Certain procedure only covered at Network Day Clinics. | |||
| Annual Sub-limits per person: | |||
| Psychiatric Treatment | 21 days | ||
| Hospice Care | R 48,200 | ||
| Oncology | PMB | ||
| CHRONIC MEDICATION | |||
| 100% Scheme Rate | |||
| 27 PMB Chronic Disease Conditions. | |||
| Subject to scheme formulary. | |||
| Only from a State Hospital | |||
| ANNUAL DAY TO DAY BENEFIT | |||
| (including Savings) | |||
| 100% Scheme Rate | |||
| GP's | No Limit from KeyCare Network Providers. | ||
| (2 out-of-network visits) | |||
| Specialists: | R 2 200 per person from Network Providers. | ||
| (must be referred by Network GP) | |||
| Conservative Dentistry: | No Limit from KeyCare Network Providers. | ||
| ANNUAL THRESHOLD | |||
| Does not apply | |||
| DISCOVERY | ||
| ESSENTIAL CORE - Hospital Plan | ||
| MONTHLY CONTRIBUTIONS | ||
| Principal Member | R 2,104 | |
| Spouse/Adult Dependant | R 1,577 | |
| Per Child (Max 3) | R 846 | |
| IN HOSPITAL BENEFIT | ||
| 2020 BENEFITS | ||
| 100% Scheme Rate | ||
| No Overall Annual Limit | ||
| Annual Sub-limits per person: | ||
| Psychiatric Treatment | 21 days | |
| Hospice Care | R 48,200 | |
| Oncology R 200 000 thereafter 20% co-payment. | ||
| Internal Prostheses: See detailed benefit schedule. | ||
| CHRONIC MEDICATION | ||
| 100% Scheme Rate | ||
| 27 PMB Chronic Disease Conditions. | ||
| Subject to scheme formulary. | ||
| Only from MedXpress, DSP | ||
| ANNUAL DAY TO DAY BENEFIT | ||
| (including Savings) | ||
| No benefit. | ||
| ANNUAL THRESHOLD | ||
| Does not apply | ||
| DISCOVERY | ||
| COASTAL CORE - Hospital Plan | ||
| MONTHLY CONTRIBUTIONS | ||
| Principal Member | R 1,946 | |
| Spouse/Adult Dependant | R 1,462 | |
| Per Child (Max 3) | R 774 | |
| IN HOSPITAL BENEFIT | ||
| 2020 BENEFITS | ||
| 100% Scheme Rate | ||
| No Overall Annual Limit | ||
| Full Cover Network Hospitals to be used. | ||
| Annual Sub-limits per person: | ||
| Psychiatric Treatment | 21 days | |
| Hospice Care | R 48,200 | |
| Oncology R 200 000 thereafter 20% co-payment. | ||
| Internal Prostheses: See detailed benefit schedule. | ||
| CHRONIC MEDICATION | ||
| 100% Scheme Rate | ||
| 27 PMB Chronic Disease Conditions. | ||
| Subject to scheme formulary. | ||
| Only from MedXpress, DSP | ||
| ANNUAL DAY TO DAY BENEFIT | ||
| (including Savings) | ||
| No benefit. | ||
| ANNUAL THRESHOLD | ||
| Does not apply | ||
| DISCOVERY | ||
| ESSENTIAL SMART PLAN - Hospital Plan | ||
| MONTHLY CONTRIBUTIONS | ||
| Principal Member | R 1,400 | |
| Spouse/Adult Dependant | R 1,400 | |
| Per Child (Max 3) | R 1,400 | |
| IN HOSPITAL BENEFIT | ||
| 2020 BENEFITS | ||
| 100% Scheme Rate | ||
| No Overall Annual Limit | ||
| Network Hospitals to be used. | ||
| Annual Sub-limits per person: | ||
| Psychiatric Treatment | 21 days | |
| Hospice Care | R 68,100 | |
| Oncology R 200 000 thereafter 20% co-payment. | ||
| Internal Prostheses: See detailed benefit schedule. | ||
| CHRONIC MEDICATION | ||
| 100% Scheme Rate | ||
| 27 PMB Chronic Disease Conditions. | ||
| Subject to scheme formulary. | ||
| Only from MedXpress, Clicks or Dischem | ||
| ANNUAL DAY TO DAY BENEFIT | ||
| (including Savings) | ||
| Unlimited GP Benefit with R110 co-payment for face to face | ||
| consultations. | ||
| Video call consultations paid in full. | ||
| 1 dental check-up with a R165 co-payment. | ||
| 1 eye test with a R110 co-payment. | ||
| ANNUAL THRESHOLD | ||
| Does not apply | ||
| DISCOVERY | ||
| CLASSIC SMART PLAN - Hospital Plan | ||
| MONTHLY CONTRIBUTIONS | ||
| Principal Member | R 1,954 | |
| Spouse/Adult Dependant | R 1,542 | |
| Per Child (Max 3) | R 781 | |
| IN HOSPITAL BENEFIT | ||
| 2020 BENEFITS | ||
| 200% Scheme Rate | ||
| No Overall Annual Limit | ||
| Network Hospitals to be used. | ||
| Annual Sub-limits per person: | ||
| Psychiatric Treatment | 21 days | |
| Hospice Care | R 68,100 | |
| Oncology R 200 000 thereafter 20% co-payment. | ||
| Internal Prostheses: See detailed benefit schedule. | ||
| CHRONIC MEDICATION | ||
| 100% Scheme Rate | ||
| 27 PMB Chronic Disease Conditions. | ||
| Subject to scheme formulary. | ||
| Only from MedXpress, Clicks or Dischem | ||
| ANNUAL DAY TO DAY BENEFIT | ||
| (including Savings) | ||
| Unlimited GP Benefit with R55 co-payment for face to face | ||
| consultations. | ||
| Video call consultations paid in full. | ||
| Prescribed medication limited to R1500 per person | ||
| or R2500 per family | ||
| Only from network pharmacy. | ||
| 1 dental check-up with a R110 co-payment. | ||
| 4 specialist consultations for sports related injuries only | ||
| with a R110 co-payment. Must be referred by Network GP. | ||
| 1 eye test with a R55 co-payment. | ||
| ANNUAL THRESHOLD | ||
| Does not apply | ||
| DISCOVERY | ||
| CLASSIC CORE - Hospital Plan | ||
| MONTHLY CONTRIBUTIONS | ||
| Principal Member | R 2,449 | |
| Spouse/Adult Dependant | R 1,931 | |
| Per Child (Max 3) | R 980 | |
| IN HOSPITAL BENEFIT | ||
| 2020 BENEFITS | ||
| 200% Scheme Rate | ||
| No Overall Annual Limit | ||
| Annual Sub-limits per person: | ||
| Psychiatric Treatment | 21 days | |
| Hospice Care | R 68,100 | |
| Oncology R 200 000 thereafter 20% co-payment. | ||
| Internal Prostheses: See detailed benefit schedule. | ||
| CHRONIC MEDICATION | ||
| 100% Scheme Rate | ||
| 27 PMB Chronic Disease Conditions. | ||
| Subject to scheme formulary. | ||
| Only from MedXpress, DSP | ||
| ANNUAL DAY TO DAY BENEFIT | ||
| (including Savings) | ||
| No benefit. | ||
| ANNUAL THRESHOLD | ||
| Does not apply | ||
| DISCOVERY | ||
| COASTAL SAVER - Hospital Plan with Savings | ||
| MONTHLY CONTRIBUTIONS | ||
| Principal Member | R 2,608 | |
| Spouse/Adult Dependant | R 1,962 | |
| Per Child (Max 3) | R 1,053 | |
| IN HOSPITAL BENEFIT | ||
| 2020 BENEFITS | ||
| 100% Scheme Rate | ||
| No Overall Annual Limit | ||
| Network Hospitals to be used. | ||
| Annual Sub-limits per person: | ||
| Psychiatric Treatment | 21 days | |
| Hospice Care | R 68,100 | |
| Oncology R 200 000 thereafter 20% co-payment. | ||
| Internal Prostheses: See detailed benefit schedule. | ||
| CHRONIC MEDICATION | ||
| 100% Scheme Rate | ||
| 27 PMB Chronic Disease Conditions. | ||
| Subject to scheme formulary. | ||
| ANNUAL DAY TO DAY BENEFIT | ||
| (including Savings) | ||
| 100% Scheme Rate | ||
| Limits per annum: | ||
| Member | R 6,252 | |
| Member + Spouse | R 10,956 | |
| Member + Spouse + Child 1 | R 13,476 | |
| Member + Spouse + Child 2 | R 15,996 | |
| Member + Spouse + Child 3 | R 18,516 | |
| Member + Child 1 | R 8,772 | |
| Member + Child 2 | R 11,292 | |
| Member + Child 3 | R 13,812 | |
| Day-to-day Extender Benefit | ||
| ANNUAL THRESHOLD | ||
| Does not apply | ||
| DISCOVERY | ||
| ESSENTIAL SAVER - Hospital Plan with Savings | ||
| MONTHLY CONTRIBUTIONS | ||
| Principal Member | R 2,615 | |
| Spouse/Adult Dependant | R 1,961 | |
| Per Child (Max 3) | R 1,048 | |
| IN HOSPITAL BENEFIT | ||
| 2020 BENEFITS | ||
| 100% Scheme Rate | ||
| No Overall Annual Limit | ||
| Annual Sub-limits per person: | ||
| Psychiatric Treatment | 21 days | |
| Hospice Care | R 68,100 | |
| Oncology R 200 000 thereafter 20% co-payment. | ||
| Internal Prostheses: See detailed benefit schedule. | ||
| CHRONIC MEDICATION | ||
| 100% Scheme Rate | ||
| 27 PMB Chronic Disease Conditions. | ||
| Subject to scheme formulary. | ||
| ANNUAL DAY TO DAY BENEFIT | ||
| (including Savings) | ||
| 100% Scheme Rate | ||
| Limits per annum: | ||
| Member | R 4,704 | |
| Member + Spouse | R 8,232 | |
| Member + Spouse + Child 1 | R 10,116 | |
| Member + Spouse + Child 2 | R 12,000 | |
| Member + Spouse + Child 3 | R 13,884 | |
| Member + Child 1 | R 6,588 | |
| Member + Child 2 | R 8,472 | |
| Member + Child 3 | R 10,356 | |
| Day-to-day Extender Benefit | ||
| ANNUAL THRESHOLD | ||
| Does not apply | ||
| DISCOVERY | ||
| CLASSIC DELTA SAVER - Hospital Plan with Savings | ||
| MONTHLY CONTRIBUTIONS | ||
| Principal Member | R 2,628 | |
| Spouse/Adult Dependant | R 2,076 | |
| Per Child (Max 3) | R 1,056 | |
| IN HOSPITAL BENEFIT | ||
| 2020 BENEFITS | ||
| 200% Scheme Rate | ||
| No Overall Annual Limit | ||
| Network Hospitals to be used. | ||
| Annual Sub-limits per person: | ||
| Psychiatric Treatment | 21 days | |
| Hospice Care | R 68,100 | |
| Oncology R 200 000 thereafter 20% co-payment. | ||
| Internal Prostheses: See detailed benefit schedule. | ||
| CHRONIC MEDICATION | ||
| 100% Scheme Rate | ||
| 27 PMB Chronic Disease Conditions. | ||
| Subject to scheme formulary. | ||
| Only from MedXpress. | ||
| ANNUAL DAY TO DAY BENEFIT | ||
| (including Savings) | ||
| 100% Scheme Rate | ||
| Limits per annum: | ||
| Member | R 7,884 | |
| Member + Spouse | R 14,112 | |
| Member + Spouse + Child 1 | R 17,280 | |
| Member + Spouse + Child 2 | R 20,448 | |
| Member + Spouse + Child 3 | R 23,616 | |
| Member + Child 1 | R 11,052 | |
| Member + Child 2 | R 14,220 | |
| Member + Child 3 | R 17,388 | |
| Day-to-day Extender Benefit | ||
| ANNUAL THRESHOLD | ||
| Does not apply | ||
| DISCOVERY | ||
| CLASSIC SAVER - Hospital Plan with Savings | ||
| MONTHLY CONTRIBUTIONS | ||
| Principal Member | R 3,290 | |
| Spouse/Adult Dependant | R 2,596 | |
| Per Child (Max 3) | R 1,318 | |
| IN HOSPITAL BENEFIT | ||
| 2020 BENEFITS | ||
| 200% Scheme Rate | ||
| No Overall Annual Limit | ||
| Network Hospitals to be used. | ||
| Annual Sub-limits per person: | ||
| Psychiatric Treatment | 21 days | |
| Hospice Care | R 68,100 | |
| Oncology R 200 000 thereafter 20% co-payment. | ||
| Internal Prostheses: See detailed benefit schedule. | ||
| CHRONIC MEDICATION | ||
| 100% Scheme Rate | ||
| 27 PMB Chronic Disease Conditions. | ||
| Subject to scheme formulary. | ||
| ANNUAL DAY TO DAY BENEFIT | ||
| (including Savings) | ||
| 100% Scheme Rate | ||
| Limits per annum: | ||
| Member | R 9,864 | |
| Member + Spouse | R 17,652 | |
| Member + Spouse + Child 1 | R 21,600 | |
| Member + Spouse + Child 2 | R 25,548 | |
| Member + Spouse + Child 3 | R 29,496 | |
| Member + Child 1 | R 13,812 | |
| Member + Child 2 | R 17,760 | |
| Member + Child 3 | R 21,708 | |
| Day-to-day Extender Benefit | ||
| ANNUAL THRESHOLD | ||
| Does not apply | ||
| DISCOVERY | ||
| CLASSIC PRIORITY - Comprehensive Plan | ||
| MONTHLY CONTRIBUTIONS | ||
| Principal Member | R 3,814 | |
| Spouse/Adult Dependant | R 3,008 | |
| Per Child (Max 3) | R 1,526 | |
| IN HOSPITAL BENEFIT | ||
| 2020 BENEFITS | ||
| 200% Scheme Rate | ||
| No Overall Annual Limit | ||
| Network Hospitals to be used. | ||
| Annual Sub-limits per person: | ||
| Psychiatric Treatment | 21 days | |
| Hospice Care | R 68,100 | |
| Oncology R 200 000 thereafter 20% co-payment. | ||
| Internal Prostheses: See detailed benefit schedule. | ||
| CHRONIC MEDICATION | ||
| 100% Scheme Rate | ||
| 27 PMB Chronic Disease Conditions. | ||
| Subject to scheme formulary. | ||
| ANNUAL DAY TO DAY BENEFIT | ||
| (including Savings) | ||
| 100% Scheme Rate | ||
| Limits per annum: | ||
| Member | R 11,436 | |
| Member + Spouse | R 20,460 | |
| Member + Spouse + Child 1 | R 25,032 | |
| Member + Spouse + Child 2 | R 29,604 | |
| Member + Spouse + Child 3 | R 34,176 | |
| Member + Child 1 | R 16,008 | |
| Member + Child 2 | R 20,580 | |
| Member + Child 3 | R 25,152 | |
| Day-to-day Extender Benefit | ||
| ANNUAL THRESHOLD | ||
| Principal Member | R 16,900 | |
| Spouse/Adult Dependant | R 12,700 | |
| Per Child | R 5,600 | |
| DISCOVERY | |||
| CLASSIC DELTA COMPREHENSIVE - Comprehensive Plan | |||
| MONTHLY CONTRIBUTIONS | |||
| Principal Member | R 5,362 | ||
| Spouse/Adult Dependant | R 5,077 | ||
| Per Child (Max 3) | R 1,069 | ||
| IN HOSPITAL BENEFIT | |||
| 2020 BENEFITS | |||
| 200% Scheme Rate | |||
| No Overall Annual Limit | |||
| Network Hospitals to be used. | |||
| Certain procedure only covered at Network Day Clinics. | |||
| Annual Sub-limits per person: | |||
| Psychiatric Treatment | 21 days | ||
| Hospice Care | R 68,100 | ||
| Oncology R 400 000 thereafter 20% co-payment. | |||
| Specialised Medicine & Technology | R 200,000 | ||
| Internal Prostheses: See detailed benefit schedule. | |||
| CHRONIC MEDICATION | |||
| 100% Scheme Rate | |||
| 27 PMB Chronic Disease Conditions. | |||
| Subject to scheme formulary. | |||
| (Additional 23 Chronic Disease Conditions) | |||
| ANNUAL DAY TO DAY BENEFIT | |||
| (including Savings) | |||
| 100% Scheme Rate | |||
| Limits per annum: | |||
| Member | R 16,080 | ||
| Member + Spouse | R 31,308 | ||
| Member + Spouse + Child 1 | R 34,512 | ||
| Member + Spouse + Child 2 | R 37,716 | ||
| Member + Spouse + Child 3 | R 40,920 | ||
| Member + Child 1 | R 19,284 | ||
| Member + Child 2 | R 22,488 | ||
| Member + Child 3 | R 25,692 | ||
| Day-to-day Extender Benefit | |||
| ANNUAL THRESHOLD | |||
| Principal Member | R 20,850 | ||
| Spouse/Adult Dependant | R 20,850 | ||
| Per Child | R 4,000 | ||
| DISCOVERY | |||
| CLASSIC COMPREHENSIVE - Comprehensive Plan | |||
| MONTHLY CONTRIBUTIONS | |||
| Principal Member | R 5,954 | ||
| Spouse/Adult Dependant | R 5,633 | ||
| Per Child (Max 3) | R 1,188 | ||
| IN HOSPITAL BENEFIT | |||
| 2020 BENEFITS | |||
| 200% Scheme Rate | |||
| No Overall Annual Limit | |||
| Network Hospitals to be used. | |||
| Certain procedure only covered at Network Day Clinics. | |||
| Annual Sub-limits per person: | |||
| Psychiatric Treatment | 21 days | ||
| Hospice Care | R 68,100 | ||
| Oncology R 400 000 thereafter 20% co-payment. | |||
| Specialised Medicine & Technology | R 200,000 | ||
| Internal Prostheses: See detailed benefit schedule. | |||
| CHRONIC MEDICATION | |||
| 100% Scheme Rate | |||
| 27 PMB Chronic Disease Conditions. | |||
| Subject to scheme formulary. | |||
| (Additional 23 Chronic Disease Conditions) | |||
| ANNUAL DAY TO DAY BENEFIT | |||
| (including Savings) | |||
| 100% Scheme Rate | |||
| Limits per annum: | |||
| Member | R 17,856 | ||
| Member + Spouse | R 34,752 | ||
| Member + Spouse + Child 1 | R 38,316 | ||
| Member + Spouse + Child 2 | R 41,880 | ||
| Member + Spouse + Child 3 | R 45,444 | ||
| Member + Child 1 | R 21,420 | ||
| Member + Child 2 | R 24,984 | ||
| Member + Child 3 | R 28,548 | ||
| Day-to-day Extender Benefit | |||
| ANNUAL THRESHOLD | |||
| Principal Member | R 20,850 | ||
| Spouse/Adult Dependant | R 20,850 | ||
| Per Child | R 4,000 | ||
| DISCOVERY | |||
| KEYCARE PLUS - Network Plan | |||
| MONTHLY CONTRIBUTIONS | |||
| Income p/m | R0-R8,550 | R8,551-R13,800 | R13,800 + |
| Principal Member | R 1,207 | R 1,659 | R 2,450 |
| Spouse/Adult Dependant | R 1,207 | R 1,659 | R 2,450 |
| Per Child (Max 3) | R 439 | R 468 | R 656 |
| IN HOSPITAL BENEFIT | |||
| 2020 BENEFITS | |||
| 100% Scheme Rate | |||
| No Overall Annual Limit | |||
| Full Cover Network Hospitals to be used. | |||
| Certain procedure only covered at Network Day Clinics. | |||
| Annual Sub-limits per person: | |||
| Psychiatric Treatment | 21 days | ||
| Hospice Care | R 48,200 | ||
| Oncology | PMB | ||
| CHRONIC MEDICATION | |||
| 100% Scheme Rate | |||
| 27 PMB Chronic Disease Conditions. | |||
| Subject to scheme formulary. | |||
| Only from a Network Pharmacy or chosen GP. | |||
| ANNUAL DAY TO DAY BENEFIT | |||
| (including Savings) | |||
| 100% Scheme Rate | |||
| GP's | No Limit from KeyCare Network Providers. | ||
| (4 out-of-network visits) | |||
| Specialists: | R 4 400 per person from Network Providers. | ||
| (must be referred by Network GP) | |||
| Conservative Dentistry: | No Limit from KeyCare Network Providers. | ||
| ANNUAL THRESHOLD | |||
| Does not apply | |||
| DISCOVERY | |||
| KEYCARE CORE - Hospital Plan | |||
| MONTHLY CONTRIBUTIONS | |||
| Income p/m | R0-R8,550 | R8,551-R13,800 | R13,800 + |
| Principal Member | R 949 | R 1,183 | R 1,809 |
| Spouse/Adult Dependant | R 949 | R 1,183 | R 1,809 |
| Per Child (Max 3) | R 245 | R 292 | R 410 |
| IN HOSPITAL BENEFIT | |||
| 2020 BENEFITS | |||
| 100% Scheme Rate | |||
| No Overall Annual Limit | |||
| Full Cover Network Hospitals to be used. | |||
| Certain procedure only covered at Network Day Clinics. | |||
| Annual Sub-limits per person: | |||
| Psychiatric Treatment | 21 days | ||
| Hospice Care | R 48,200 | ||
| Oncology | PMB | ||
| CHRONIC MEDICATION | |||
| 100% Scheme Rate | |||
| 27 PMB Chronic Disease Conditions. | |||
| Subject to scheme formulary. | |||
| Only from a DSP. | |||
| ANNUAL DAY TO DAY BENEFIT | |||
| (including Savings) | |||
| Does not apply | |||
| Specialist Benefit limited to R4 400 per person per annum, | |||
| must be referred by Network GP. | |||
| ANNUAL THRESHOLD | |||
| Does not apply | |||
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. 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 0866 200 320.
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.
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