Discovery Health Comparisons – 15 Medical Aid Plans Compared

Discovery Health Comparisons – 2021 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 2021 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.

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Discovery Health PlansCompare 15 Medical Aid Plans - 2021 Updates

DISCOVERY
KEYCARE START - Network Plan
MONTHLY CONTRIBUTIONS
Income p/m R0-R9,150 R9,151-R13,800 R13,801+
Principal Member R 968 R 1,629 R 2,536
Spouse/Adult Dependant R 968 R 1,629 R 2,536
Per Child (Max 3) R 583 R 688 R 688
IN HOSPITAL BENEFIT
2021 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
Compassionate Care

R 49,650
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 2 270 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 1,005 R 1,253 R 1,916
Spouse/Adult Dependant R 1,005 R 1,253 R 1,916
Per Child (Max 3) R 245 R 310 R 435
IN HOSPITAL BENEFIT
2021 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
Compassionate Care

R 49,650
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 530 per person per annum,
must be referred by Network GP.










ANNUAL THRESHOLD
Does not apply








DISCOVERY
KEYCARE PLUS - Network Plan
MONTHLY CONTRIBUTIONS
Income p/m R0-R8,550 R8,551-R13,800 R13,800 +
Principal Member R 1,279 R 1,758 R 2,595
Spouse/Adult Dependant R 1,279 R 1,758 R 2,595
Per Child (Max 3) R 464 R 495 R 695
IN HOSPITAL BENEFIT
2021 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
Compassionate Care

R 49,650
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 4 530 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
COASTAL CORE - Hospital Plan
MONTHLY CONTRIBUTIONS
Principal Member R 2,062
Spouse/Adult Dependant R 1,584
Per Child (Max 3) R 820



IN HOSPITAL BENEFIT
2021 BENEFITS
100% Scheme Rate
No Overall Annual Limit
Full Cover Network Hospitals to be used.

Annual Sub-limits per person:
Psychiatric Treatment
21 days
Compassionate Care
R 71,150
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 CORE - Hospital Plan
MONTHLY CONTRIBUTIONS
Principal Member R 2,229
Spouse/Adult Dependant R 1,671
Per Child (Max 3) R 896



IN HOSPITAL BENEFIT
2021 BENEFITS
100% Scheme Rate
No Overall Annual Limit






Annual Sub-limits per person:
Psychiatric Treatment
21 days
Compassionate Care
R 71,150
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
CLASSIC CORE - Hospital Plan
MONTHLY CONTRIBUTIONS
Principal Member R 2,594
Spouse/Adult Dependant R 2,046
Per Child (Max 3) R 1,038



IN HOSPITAL BENEFIT
2021 BENEFITS
200% Scheme Rate
No Overall Annual Limit






Annual Sub-limits per person:
Psychiatric Treatment
21 days
Compassionate Care
R 71,150
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 1,483
Spouse/Adult Dependant R 1,483
Per Child (Max 3) R 1,483



IN HOSPITAL BENEFIT
2021 BENEFITS
100% Scheme Rate
No Overall Annual Limit
Network Hospitals to be used.



Annual Sub-limits per person:
Psychiatric Treatment
21 days
Compassionate Care
R 71,150
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 2,070
Spouse/Adult Dependant R 1,637
Per Child (Max 3) R 830



IN HOSPITAL BENEFIT
2021 BENEFITS
200% Scheme Rate
No Overall Annual Limit
Network Hospitals to be used.



Annual Sub-limits per person:
Psychiatric Treatment
21 days
Compassionate Care
R 71,150
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 R1550 per person
or R2580 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
COASTAL SAVER - Hospital Plan with Savings
MONTHLY CONTRIBUTIONS
Principal Member R 2,763
Spouse/Adult Dependant R 2,078
Per Child (Max 3) R 1,116



IN HOSPITAL BENEFIT
2021 BENEFITS
100% Scheme Rate
No Overall Annual Limit
Network Hospitals to be used.



Annual Sub-limits per person:
Psychiatric Treatment
21 days
Compassionate Care
R 71,150
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 6,438
Member + Spouse R 11,280
Member + Spouse + Child 1 R 13,878
Member + Spouse + Child 2 R 16,476
Member + Spouse + Child 3 R 19,074
Member + Child 1 R 9,036
Member + Child 2 R 11,634
Member + Child 3 R 14,232



Day-to-day Extender Benefit


ANNUAL THRESHOLD
Does not apply






DISCOVERY
CLASSIC DELTA SAVER - Hospital Plan with Savings
MONTHLY CONTRIBUTIONS
Principal Member R 2,784
Spouse/Adult Dependant R 2,200
Per Child (Max 3) R 1,118



IN HOSPITAL BENEFIT
2021 BENEFITS
200% Scheme Rate
No Overall Annual Limit
Network Hospitals to be used.



Annual Sub-limits per person:
Psychiatric Treatment
21 days
Compassionate Care
R 71,150
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 8,118
Member + Spouse R 14,532
Member + Spouse + Child 1 R 17,790
Member + Spouse + Child 2 R 21,048
Member + Spouse + Child 3 R 24,306
Member + Child 1 R 11,376
Member + Child 2 R 14,364
Member + Child 3 R 17,892



Day-to-day Extender Benefit


ANNUAL THRESHOLD
Does not apply






DISCOVERY
CLASSIC SAVER - Hospital Plan with Savings
MONTHLY CONTRIBUTIONS
Principal Member R 3,485
Spouse/Adult Dependant R 2,750
Per Child (Max 3) R 1,397



IN HOSPITAL BENEFIT
2021 BENEFITS
200% Scheme Rate
No Overall Annual Limit
Network Hospitals to be used.



Annual Sub-limits per person:
Psychiatric Treatment
21 days
Compassionate Care
R 71,150
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 10,158
Member + Spouse R 18,174
Member + Spouse + Child 1 R 22,242
Member + Spouse + Child 2 R 26,310
Member + Spouse + Child 3 R 30,378
Member + Child 1 R 14,226
Member + Child 2 R 18,294
Member + Child 3 R 22,362



Day-to-day Extender Benefit


ANNUAL THRESHOLD
Does not apply






DISCOVERY
CLASSIC PRIORITY - Comprehensive Plan
MONTHLY CONTRIBUTIONS
Principal Member R 4,041
Spouse/Adult Dependant R 3,186
Per Child (Max 3) R 1,617



IN HOSPITAL BENEFIT
2021 BENEFITS
200% Scheme Rate
No Overall Annual Limit
Network Hospitals to be used.



Annual Sub-limits per person:
Psychiatric Treatment
21 days
Compassionate Care
R 71,150
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 11,778
Member + Spouse R 21,066
Member + Spouse + Child 1 R 25,776
Member + Spouse + Child 2 R 30,486
Member + Spouse + Child 3 R 35,196
Member + Child 1 R 16,488
Member + Child 2 R 21,298
Member + Child 3 R 25,908



Day-to-day Extender Benefit


ANNUAL THRESHOLD
Principal Member R 17,550
Spouse/Adult Dependant R 13,200
Per Child R 5,850
DISCOVERY
CLASSIC DELTA COMPREHENSIVE - Comprehensive Plan
MONTHLY CONTRIBUTIONS
Principal Member R 5,681
Spouse/Adult Dependant R 5,378
Per Child (Max 3) R 1,132



IN HOSPITAL BENEFIT
2021 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
Compassionate Care

R 71,150
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 16,560
Member + Spouse R 32,238
Member + Spouse + Child 1 R 35,538
Member + Spouse + Child 2 R 38,838
Member + Spouse + Child 3 R 42,138
Member + Child 1 R 19,860
Member + Child 2 R 23,160
Member + Child 3 R 26,460


Day-to-day Extender Benefit


ANNUAL THRESHOLD
Principal Member R 21,700
Spouse/Adult Dependant R 21,700
Per Child R 4,150
DISCOVERY
CLASSIC COMPREHENSIVE - Comprehensive Plan
MONTHLY CONTRIBUTIONS
Principal Member R 6,309
Spouse/Adult Dependant R 5,966
Per Child (Max 3) R 1,258



IN HOSPITAL BENEFIT
2021 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
Compassionate Care

R 71,150
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 18,390
Member + Spouse R 35,784
Member + Spouse + Child 1 R 39,450
Member + Spouse + Child 2 R 43,116
Member + Spouse + Child 3 R 46,782
Member + Child 1 R 22,056
Member + Child 2 R 25,722
Member + Child 3 R 29,388


Day-to-day Extender Benefit


ANNUAL THRESHOLD
Principal Member R 21,700
Spouse/Adult Dependant R 21,700
Per Child R 4,150
DISCOVERY
ESSENTIAL SAVER - Hospital Plan with Savings
MONTHLY CONTRIBUTIONS
Principal Member R 2,770
Spouse/Adult Dependant R 2,078
Per Child (Max 3) R 1,110



IN HOSPITAL BENEFIT
2021 BENEFITS
100% Scheme Rate
No Overall Annual Limit




Annual Sub-limits per person:
Psychiatric Treatment
21 days
Compassionate Care
R 71,150
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 4,842
Member + Spouse R 8,472
Member + Spouse + Child 1 R 10,410
Member + Spouse + Child 2 R 12,348
Member + Spouse + Child 3 R 14,286
Member + Child 1 R 6,780
Member + Child 2 R 8,718
Member + Child 3 R 10,656



Day-to-day Extender Benefit


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. Discovery Health Plans.

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