Discovery Health Is The Biggest Medical Aid Scheme In South Africa
Discovery Health is the biggest medical aid scheme in South Africa and tends to dominate the South Afican Medical Aid industry. Discovery Health are an terrifically hep company and introduced a number of new concepts to the industry, including introducing the new reproduction savings plan schemes.
All benefits are proficient - rated depending on when in the year one joins the scheme.
* A member has the option of downgrading their option at any time but may only upgrade without medical underwriting once per year effective from the 1st of January the following year.
Discovery Coastal Core and Classic Core
These are their Hospital plans. Both have unlimited Hospital benefits but cover claims at different rates;
* Coastal at NHRPL ( National Health Reference Price List ) * Classic at 2X NHRPL.
The Hospital bill would be paid in full owing to of excise agreements they have with the Hospital groups. To have the Surgeon and Anaesthetist bill fully covered, the member would have to use a practitioner who is high to charge the DHR ( Discovery Health Scale ) or buy a gap product that will pay the particularity.
They both have the identical Chronic Medication benefit as well as Emergency Evacuation
Discovery Coastal Saver and Classic Saver
Both of these plans have unlimited Hospital benefits but cover claims at different rates. The Hospital bill would be paid in full being of excise agreements they have with the Hospital groups.
To have the Surgeon and Anaesthetist bill fully covered, the member would have to use a practitioner who is open to charge the DHR ( Discovery Health Proportion ) or buy a gap product that will pay the discongruity. All day - to - day claims e. g. doctor’s consultations, medicines, etc, are paid from a savings account.
The add - on benefit of the savings account is a 50 % payment towards GP consultations paid by the medical aid if they are authoritative in to Discovery, so only 50 % would be paid from the savings. Any portion of the savings not used would be carried forward to the following year. They both have the duplicate Chronic Medication benefit as well as Emergency Evacuation i. e. Ambulance and Helicopter, etc.
Discovery Classic Comprehensive
This plan has unlimited Hospital benefits paid at 2X NHRPL ( National Health Reference Price List ) scale.
The Hospital bill would be paid in full owing to of charge agreements they have with the Hospital groups. To have the Surgeon and Anaesthetist bill fully covered, the member would have to use a practitioner who is in authority to charge the DHR ( Discovery Health Percentage ) or buy a gap product that will pay the separation.
Claims submitted to the medical aid would first be paid out of savings until that is exhausted and then from the Beginning benefit. The add - on benefit of the savings account is a 50 % payment towards GP consultations paid by the medical aid if they are high in to Discovery, so only 50 % would be paid from the savings. Any portion of the savings not used would be carried forward to the following year.
There is a small gap between the savings limit and the Entrance benefit kicking in, called the self - payment gap, during which expenses must be paid by the member but the bills must still be submitted to the medical aid. Once all your accumulated day - to - day expenses ( irrespective of who pays them ) reach the Beginning Noncompulsory, it will pay all day - to - day expenses until the end of the year, subject to sub - limits. This plan also has an extended Chronic Medication benefit.
Discovery KeyCare Core
Discovery is the biggest medical aid in South Africa and dominates the medical aid environment. This is an inexpensive hospital plan, it has unlimited hospital cover paid at 100 % NHRPL but is only available from a limited list of private hospitals. It has a Chronic Medication Benefit as well as Emergency Evacuation i. e. Ambulance and Helicopter, etc.
Discovery KeyCare Plus
Discovery is the biggest medical aid in South Africa and dominates the medical aid environment. This is an inexpensive hospital plan, it has unlimited hospital cover paid at 100 % NHRPL but is only available from a limited list of private hospitals.
This is a network option, which means that you get enormous primary care doctor’s consultations, medicines and basic dentistry is all-inclusive from a network of practitioners. It has a Chronic Medication Benefit as well as Emergency Evacuation i. e. Ambulance and Helicopter, etc. Optional Supplementary Benefits
This is Discovery’s Wellness Program and one of their innovations. It’s designed to push people to live a healthier, more overloaded lifestyle whereas healthy people claim less, but it doesn’t style part of the medical aid. Contrasting to common belief, Vitality is a manifold activity that the member may choose to knit at a cost.
It offers discounts on a whole reach of products and services based on your Vitality grade, which ranges from woebegone to bronze to silver to gold. Your position would improve depending on how many points you accumulate through their various avenues e. g. lifestyle questionnaires, keeping member records current, having check - ups, being a non - smoker and way or maintaining your mission weight.
Health Plan Protector
This policy pays back your medical aid premiums ( excluding savings ) less claims annually into a HealthFund, a portion of which is paid back to the member each year or every 5 years ( member’s choice ) with the full balance being paid out at the age of 65. Also, there is a 5 or 10 year medical aid premium waiver should the member die, become defective or claim a Category A severe disorder. For more information, peruse the Health Plan Sponsor document (. pdf format )
Discovery Life Members of Discovery Health and Vitality can get as much as 32. 5 % discount off any Discovery Life policy. For more information, read the Why Discovery Life document (. pdf format ). Top - Up Cover
This is an independent product that can be used to increase your hospital cover limits to R2, 000, 000. Gap Cover This independent cover will pay the more amount juiced up by the surgeon and anaesthetist sizable the NHRPL proportion up to a maximum of 3 Sugar NHRPL degree. Learn more about GAP cover.
