Discovery Health Comparisons

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.

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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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