Discovery Medical Aid Scheme

Discovery Health is South Africa’s best known healthcare funder with more than 2.5 million members they are the largest medical aid scheme in the country. Discovery Health complies with every aspect of medical scheme governance including the King lll Code for corporate governance.

The medical scheme and all its members are presided over by an independent board of trustees. The trustees work tirelessly to improve service delivery while maintaining sustainability. To ensure service excellence the board of trustees are subjected to annual reviews that are intended to strengthen administration.

Discovery Health takes great pride in being the only medical scheme in the country to achieve yet again the highest credit rating of AA+ from the Global Credit Rating. Discovery Health now has 12 consecutive AA+ ratings.

The schemes financial strength and stability is further enforced by their reserve funds which currently stand at R8.2 billion.

Discovery Health’s Mission

They are confident in their ability to generate necessary change in the healthcare market by providing members with quality services and healthcare products that adhere to the public’s fundamental healthcare needs.

Discovery Health’s Vision

The scheme has one vision, to make people healthier and enhance their lifestyle through comprehensive healthcare services.

Scheme Values

The medical aid scheme relies on well established values to guide them in providing comprehensive services.

Discovery Health has eight core values:

  • Good business judgement
  • Optimism and Innovative practices
  • Exceptional Staff
  • Bringing out the best in people
  • Fairness integrity and honesty
  • Smart leadership
  • Urgency, drive and tenacity
  • The ability to amaze clients

Scheme Benefits

Apart from overall benefit provided on their healthcare options Discovery members also have access to Discovery Vitality benefits. Discovery Vitality is the leading wellness program in the world. Discovery members on the Vitality program are rewarded for good health behaviour and practises.

General Exclusions

Potential members need to pay close attention to these exclusions to ensure they receive the healthcare they require.

Exclusions:

  • Obesity
  • Infertility
  • Frail care
  • Procedures and treatments relating to cosmetic surgery
  • Procedures and treatments relating to the enlargement or reduction of breasts
  • Illnesses or injuries that have been self inflicted
  • Wilfully partaking in acts of war, civil unrest, rioting, terrorism and or rebellion
  • Search and rescue operations
  • Treatments and practises that are either unregistered and or unproven

Scheme Options

Discovery Health Medical aid options:

Executive Plan

The Executive Plan option is best suited for individuals that require extensive medical cover. This option offers provides optimal cover for chronic benefits, unlimited in-hospital and day to day expenses, added benefits on this option include trauma cover and private ward benefits of R1 150 per day.

Comprehensive Series

The Comprehensive option provides unlimited hospital cover at any private facility along with an extraordinary medical savings account for day to day cover. The option provides comprehensive cover for GP visits, chronic conditions, Maternity expenses and screening procedures. Added benefits include access to advanced specialised medical healthcare.

Priority Series

The Priority Series option provides unlimited hospital cover, in hospital specialist visits, cover for chronic conditions and day to day benefits. Included in this option is a medical savings account and travel cover.

Saver Series

The Saver Series option provides unlimited hospital cover, full chronic benefits, and a medical savings account to cover everyday medical expenses additional benefits for this option includes maternity benefits GP visits and travel cover.

Core Series

The Core Series option is a more affordable option that provides ample cover. Benefits for this option include; unlimited hospital cover, in-hospital specialist cover, chronic conditions and medication and travel cover.

KeyCare Series

The KeyCare Series is ideal low earning individuals. The option provides unlimited cover for critical hospital care, in hospital specialist visits, cover for chronic medication and day to day benefits including unlimited cover for GP visits.

Discovery Health Medical Scheme Plan Range Summary

Download the Range Summary here