Benefits and cover
Tools to check and manage your benefits and cover
The Discovery Health Medical Scheme is an independent non-profit entity governed by the Medical Schemes Act, and regulated by the Council for Medical Schemes. It is administered by a separate company, Discovery Health (Pty) Ltd, an authorised financial services provider.
Got itTools to check and manage your benefits and cover
You get unlimited hospital cover - network plans require that you visit a hospital in your network to enjoy full cover. For planned or non-emergency admission you need to call us to confirm your admission.
For planned procedures, it is necessary that you inform Discovery Health before being admitted to hospital. Understand what we need to know before we can authorise your hospital admission.
Read moreIn an emergency, you can go straight to hospital. Alternatively in the event of an emergency medically equipped transport can be arranged by calling Discovery 911 on 0860 999 911.
Read moreAll members have access to private hospitals. We cover the costs of planned hospital admissions from your Hospital Benefit. There is no overall limit of hospitalisation. You can have peace of mind that Discovery Health places you first with a focus on giving you comprehensive benefits, value for money and services to improve the quality of care available to you.
Read moreWatch this video for an overview of the steps to follow when you need to go to hospital.
Members have access to dental treatment - both in the dentist's or dental specialist's rooms, in hospital or a day clinic. Cover for dentistry also depends on the member's plan type.
Read moreMembers have access to comprehensive maternity and post-birth benefits supported by access to 24/7 support, advice and guidance through the My Pregnancy and My Baby programmes on the Discovery Health app and website.
Read moreThe Executive and Comprehensive plans offer cover for assisted reproductive therapy, such as in vitro fertilisation (IVF) and embryo transfer through our approved network of specialists and facilities.
Read moreOffers medical emergency cover outside borders of the Republic of South Africa.
Read moreThe Emergency Services and Trauma Support includes dedicated support and benefits to trauma related to gender-based violence or crime-related violence. The Trauma Recovery Extender Benefit extends your cover for out-of-hospital claims related to certain traumatic events.
Read moreYou have cover for in- and out-of-hospital tests and screening, including investigations, radiology and blood tests.
Read moreYou and your children have access to screening and prevention benefits that cover tests to detect early warning signs of serious illness.
Read moreYou have cover for relevant healthcare services, as well as a defined basket of care for out-of-hospital healthcare services, related to global World Health Organization (WHO) recognised disease outbreaks such as COVID-19.
Read moreYou have cover for certain procedures done in the specialist's rooms, including surgical procedures and investigative procedures. You must preauthorise the procedure with us beforehand.
Read moreYou get access to a yearly Health Check covered in full that empowers you to proactively manage your health risks through lifestyle changes and suitable treatments.
Read moreIf you're diagnosed with cancer and once we have approved your cancer treatment, you are covered by the Oncology Care Programme.
Read moreAll our plans cover approved medicine for the Prescribed Minimum Benefit Chronic Disease List conditions. Certain plans cover additional conditions.
Read moreThe Kidney Care Programme focuses on members with chronic kidney disease who need dialysis.
Read moreOur Diabetes Care Programme, together with your Premier Plus GP, will help you actively manage your diabetes.
Read moreThe Cardio Care Programme, together with your Premier Plus GP, will help you actively manage the conditions affecting your heart and blood vessels.
Read moreWhen you register for our HIV Care Programme, you are covered for the care that you need. You can be assured of confidentiality at all times.
Read moreThe Mental Health Care Programme, together with your Premier Plus GP, will help you actively manage episodes of major depression.
Read moreMember who have an illness in an advanced stage have access to a comprehensive palliative programme.
Read moreThis programme will help you actively manage your risk of developing a chronic condition.
Read moreThrough your specialist you have access to second opinion services from Cleveland Clinic for life-threatening and life-changing conditions.
Read moreYou can integrate payments for out-of-pocket medical expenses with Health Pay from Discovery Pay. You can do this for your medical scheme benefits and other funding sources for healthcare, including gap cover, using your savings and credit facilities with Discovery Bank.
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