Discovery offers a wide range of medical aid plans to suit various needs and budgets. In this article, we will have a look at health cover from Discovery.
Their plans range from the most exclusive to more affordable options. The following features are distinctive about Discovery plans:
- Hospital cover: there is no limit to hospital cover on any Discovery plans and most plans cover any private hospital
- Chronic Illness benefit: all plans cover medicine for the Prescribed Minimum Benefit list of chronic conditions, some plans cover further conditions
- Also, Prevention & Screening: benefits cover tests to detect early signs of illness because Discovery believes prevention is better than cure
- Above Threshold Benefit (ATB): some plans have this facility, which gives you further cover once you have reached your annual maximum
- Day-to-Day Extender Benefit (DEB): Discovery will extend your day-to-day cover for essential services once your medical savings account has been spent
- Maternity Benefit: Benefits for maternity and early childhood, covering certain services before and after birth
- Also, Medical Savings Account (MSA): on certain plans, day-to-day expenses are paid from your MSA, giving you the ability to manage your own spend
Hence, Discovery has 23 different plans, which all have different benefits and levels of care available. So from the most exclusive to the most basic, these include:
- The Executive Plan
- Classic Comprehensive Plan
- Classic Delta Comprehensive Plan
- And the Classic Comprehensive Zero MSA Plan
- Essential Comprehensive Plan
- Essential Delta Comprehensive Plan
- Classic Priority Plan
- Essential Priority Plan
- Classic Saver Plan
- Classic Delta Saver Plan
- Essential Saver Plan
- Essential Delta Saver Plan
- Coastal Saver Plan
- Classic Smart Plan
- Essential Smart Plan
- Classic Core Plan
- Classic Delta Core Plan
- Essential Core Plan
- Essential Delta Core Plan
- Coastal Core Plan
- KeyCare Plus Plan
- KeyCare Access Plan
- And the KeyCare Core Plan
To illustrate the range of benefits, highlights of benefits from three of these plans are summarised below:
The Executive Plan – Health Cover from Discovery
- Unlimited private hospital cover
- Guaranteed full cover for specialists in the hospital and up to 200% of the Discovery Health Rate for other professionals
- Also, full chronic medicine cover for all Chronic Disease List conditions and more as well as access to brand medicines
- Medical Savings Account and limited Above Threshold Benefit for day-to-day medical expenses
- Comprehensive cover for maternity and early childhood
- Additional cover from the DEB when MSA runs out for GP consultations and children’s casualty visits
- Cover for medical emergencies while travelling
Essential Saver Plan
- Unlimited private hospital cover.
- Also, guaranteed full cover for specialists in the hospital and up to 100% of the Discovery Health Rate for other professionals.
- Full chronic medicine cover for Chronic Disease List conditions.
- Also, Medical Savings Account for day-to-day medical expenses.
- Comprehensive cover for maternity and early childhood.
- Also, additional cover from the DEB when MSA runs out for GP consultations.
- Cover for medical emergencies while travelling.
KeyCare Core Plan – Health Cover from Discovery
- Unlimited hospital cover in the KeyCare hospital network
- Also, full coverage in the hospital for specialists on the KeyCare network and up to 100% of the Discovery Health Rate for other professionals
- Essential cover for chronic medicines on KeyCare medicine list
- No Medical Savings Account
- Comprehensive cover for maternity and early childhood
- No DEB cover
- No additional cover for medical emergencies while travelling