Discovery Medical Aid

    August 28, 2014

    Medical treatments in South Africa are costly and without a medical aid, surgery and a stay in a private hospital can be so extensive as to render you bankrupt. South Africa has many different medical aid schemes such as Discovery Medical Aid – close to 100 in fact, and knowing which one to choose will require significant research.

    Most of these medical aid schemes are restricted; only employees of certain companies are allowed to join them, while the other schemes are open, and anyone can join. Fedhealth and Bonitas along with Discovery Medical Aid are examples of open schemes. Discovery Medical AidDiscovery and the other leading medical aids in South Africa offer packages from basic hospital plans to their more comprehensive packages, and even though their hospital plans don’t come with all those extra benefits, at least you can rely on quality hospitalisation.

    Medical Insurance Schemes

    Medical insurance schemes all have their own set of rules and regulations for you to enjoy benefits. Some medical aids require that you get pre-authorisation for certain treatments and others will require you to use a Designated Service Provider (DSP) and not a doctor or hospital of your own choosing. Discovery Medical Aid Plans are made up of the Executive Plan which offers the most extensive cover, their Comprehensive Series, Priority Plans, Saver Plans, Core Plans and their KeyCare Plans which is affordable cover at their specific network of hospitals.

    Complete and submit the form above to get hospital plan quotes

    Discovery Medical Aid Options

    Discovery Medical Aid Options are not set in stone and you can change your plan option after considering your requirements and amend the current plan you have. You do this by submitting a form to Discovery’s HR representative. Discovery Health Medical Scheme offers details on their website of current benefits and rates as well as changes to co-payments and deductibles.

    A Financially Stable Medical Aid

    When you look at the Discovery Medical Aid Scheme you will discover that the schemes financial strength is enhanced by their reserve funds which stand at about R8.2 billion. Members like knowing they belong to a large, secure and financially sound scheme, though they may not like knowing that most medical schemes are already busy with calculating premium increases for next year. Discovery Medical Aid plans are competitively priced to ensure long-term affordability for members, with their annual contribution increases being within reason and which are lower than the industry average.

    If a family of four in South Africa were to opt for medical aid on just one small salary, at Momentum Health they would have to part with R1 200 on the Momentum Ingwe plan while Discovery Health medical aid prices for their Key Care Plus scheme would be R1 800; an income related hospital plan. The only way many people are able to afford these amounts is that most members join Discovery because it is the medical aid of their employer and membership is often subsidised by the employer. Discovery medical aid rates for their Executive Plan is currently R 4,100 for a single member while for a family it would be R 9,756 pm.

    If you want to get an idea of what belonging to the top medical insurance companies such as Fedhealth, Bonitas and Discovery will cost, you can always complete an online form and the medical consultant of the particular medical aid will send you a no-obligation estimate of your costs based on the plan you select.

    Rewards for Your Good Health

    Apart from the various benefits of Discovery Medical Aid, members of Discovery have access to Discovery Vitality, a wellness program where members are rewarded for a good healthy lifestyle. You’re a winner all the way with Vitality because you earn points by completing different health assessments and you get lots of cash backs and discounts.

    Having medical aid in South Africa is all about making provision for those unexpected calamities accompanied by massively expensive medical costs, and Discovery Medical Aid is able to match your medical requirements with an option that covers your needs and suits your budget.

    Complete and submit the form above to get hospital plan quotes

    All info was correct at time of publishing