Home » Essential Smart 2024 Options And Benefits – Discovery Medical Aid Plans
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Hospital Plan

Essential Smart 2024 Options & Benefits

Essential Smart 2024 Options And Benefits: The Essential Smart Hospital Plan Only is an affordable medical aid that includes full cover for private hospitalization at a network hospital. The Essential Smart Options include cover for in-hospital specialists at up to 100% of the Discovery rate. Also included is cover for chronic medication for conditions on the Chronic Disease List (CDL) when using a MedXpress pharmacy, and a variety of day-to-day benefits.

This is a good choice for entry-level consumers hoping for both hospital cover and a way to manage their day-to-day medical expenses.

Day-To-Day Benefits

The Essential Smart plan features day-to-day cover for unlimited network GP visits. It also includes cover for one optometrist visit and one dental visit, and some cover for over-the-counter medicine from a network pharmacy. Co-payments ranging between R 120 to R180 apply.

  • Unlimited GP consultations, with a fixed co-payment each consultation.
  • One eye examination at an optometrist, with a fixed co-payment for the test,
  • A dental check-up, with a fixed co-payment.
  • Cover for acute medicine, subject to an annual limit.
  • Covers over-the-counter (OTC) medications when using a network pharmacy.
  • Sports-related injury coverage includes basic X-rays, two specialist consultations.
  • Up to four appointments to a physiotherapist, biokineticist, or chiropractor referred by a Smart Network GP.

Annual Cancer Cover

Essential Smart pays a certain amount in full over a 12-month period. Costs beyond this level require a 20% co-payment. Prescribed Minimum Benefits (PMB) conditions are fully covered. Essential Smart’s network includes cancer therapy.

Get A Essential Smart Quote

Please use our convenient Essential Smart quote form provided. One of our Discovery consultants will get in touch with you to discuss the best options according to your budget.

Compare the latest 2024 plan Essential Smart benefit updates in the table below.

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Discovery Health Medical Scheme

Discovery Health Medical Scheme (DHMS) is South Africa’s largest medical aid scheme, with over 57% open market share, and close to 3 million beneficiaries as of the end of December 2022.

When compared to competitors, Discovery’s shared-value model offers a value-based healthcare system that lowers healthcare expenses and results in lower contributions.

Why Choose Discovery Health Medical Scheme?

The Discovery Health Medical Scheme is the most popular medical aid in South Africa. Discovery Health ensures that your healthcare is in good hands, choose from 25 health plan options tailored to your specific health and budgetary requirements.

Discovery Health History

With the assistance of Rand Merchant Bank, Discovery Limited is created in 1992 as a small specialist risk insurance company. Discovery Health Medical Scheme (DHMS or the Scheme) is a non-profit medical scheme that runs on social solidarity principles, pooling member payments and managing them to support member healthcare fairly.

Discovery Essential Smart

Benefits & Options – 2024 Updates

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Monthly Contributions
Main Member R1 881 --- ---
Spouse/Adult dependent R1 881 --- ---
Child (Max 3) R1 881 --- ---
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. --- --- ---

Essential Smart Hospital Plan Application

Should you need help applying for the Essential Smart Hospital Plan, please make use of our Medical Aid Application Form Help Page, and one of our Discovery consultants will contact you about the Essential Smart Options.


Our medical aid consultants at Informed Healthcare Solutions are ready to assist you in getting the best possible benefits to premium value.

In conclusion, we invite you to give us a call on +27 21 712 8866 at any point in your decision-making process for further information about the Essential Smart Hospital Plan.

View Benefits On Discovery Website.

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Essential Smart 2024 FAQS

What is the Essential Smart plan by Discovery Health?

The Essential Smart plan provides unlimited private hospital cover. Members are guaranteed full hospital cover for network specialists, and get up to 100% DHR on Essential for other healthcare practitioners. When you use a network pharmacy, you will receive complete cover for any Chronic Disease List diseases in Discovery’s formulary. Comprehensive prenatal and postnatal healthcare services, as well as early childhood development, are covered. The Day-to-day Benefit covers GP appointments, over-the-counter (OTC) acute medications, eye and dental exams. Set co-payments or limitations apply.

Does the Essential Smart plan cover dental surgery?

The Essential Smart plan provides one annual checkup, and the Severe Dental and Oral Surgery Benefit covers a specific set of operations with no upfront cost and no limit. This benefit is subject to approval and Scheme regulations. Members are fully covered at private hospitals in the Essential Smart Plan Hospital Network.

What are the Essential Smart Maternity benefits?

Essential Smart maternity and early childhood benefits that include 5 antenatal or postnatal classes or consultations with a registered nurse. After birth a member gets a six-week post-natal visit with a midwife, GP, or gynaecologist. Also included is one nutritional assessment, two mental health consultations and a breastfeeding consultation. Registration is required in-order to unlock these benefits.

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